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Manufactured or Mobile Home Insurance

Due to their unique construction and vulnerability to certain weather such as windstorms, manufactured and mobile homes typically don’t qualify for traditional homeowners insurance. Instead, you need to look into mobile home insurance.

Mobile, manufactured, and modular homes are all built in factories rather than on construction sites. Mobile and manufactured homes rest on a movable chassis and don’t have more than a single level. There is a difference between “mobile” and “manufactured” homes according to the U.S. Department of Housing and Urban Development. Mobile homes were built prior to 1976 when a new federal law mandated stricter safety standards for their construction. From that point on, these buildings were known as manufactured homes.

What mobile home insurance covers

A standard mobile home insurance policy generally features the following coverage:

Dwelling coverage

This coverage pays to repair or replace the structure of your mobile home if it’s damaged by events your policy covers, up to a limit you choose. These events typically include:

Fire and lightning
Explosions
Vandalism
Falling objects
Wind and hail
Weight of ice and snow
Damage from wild or stray animals
Burst pipes

When selecting a limit for this part of your policy, you want an amount high enough to replace your mobile home if it’s destroyed.

Other structures coverage

This pays to repair a fence, shed, or other structure that isn’t attached to your home if it’s damaged by an event your policy covers.

Personal property coverage

This part of your policy covers the cost to repair or replace furniture, electronics, and other belongings if they’re damaged or stolen.

Liability insurance

This pays out if a visitor is hurt and sues you, or you accidentally cause property damage or injuries to others. It may also cover related legal expenses.

How much is mobile home insurance?

The average cost of mobile home insurance is typically between $500 and $1,100 per year, according to the American Modern Insurance Group.

Different factors can affect your specific rates, including: