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Mobile Home Insurance FAQs

A manufactured home is a type of prefabricated home that's mostly built in a factory and then transported to a predesignated site for use. 

A mobile home is a large house trailer that is parked in one particular place and used as a permanent living accommodation.

A manufactured home is meant to be used as a permanent dwelling once it reaches its predesignated site. 

Even though manufactured homes are "mobile" they are meant to be permanent once they are placed on their designated sites.

Just like home insurance, mobile home insurance is required. 

There are a lot more risks to owning a mobile home than there are for a traditional site-built home. Their life span also isn't as long as traditional homes and they require more maintenance. For this reason, it's much tougher to finance a mobile home.

Top manufactured home companies include:

  • Irontown Homes
  • Blu Homes
  • Modular Direct
  • Champion Homes
  • Nationwide Homes
  • Icon Legacy
  • Wardcraft
  • Palm Harbor Homes
  • Clayton Homes

The amount of insurance you need depends on the price of your home, any attachments to the property, as well as any special amenities you may have.

Just like standard home insurance, mobile home insurance is not tax deductible. 

  • Coverage Amounts and Deductibles
  • Home Age, Features and Materials
  • Location
  • Pets
  • Credit Rating

We can find you policies in the following states:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin

There is no age limit for getting a manufactured home insured.

Replacement cost value is the determined value of your mobile home that the insurance provider is willing to pay for a loss.

Market value is the determined value of your mobile home relative to prices of mobile homes in the market.

Actual cash value is the determined cash worth of your mobile home.