Mobile Home Insurance FAQs

When people refer to "Manufactured Homes" or "Mobile Homes", they are essentially referring to same the same type of property.  

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. Prior to 1976, this type of property were called "Mobile Homes". In June of 1976, HUD, the Housing and Urban Development division of the federal government, issued new building codes and changed the official name of the structures to "Manufactured Homes". The two term are still used interchangeably throughout the United States. 

Whether you refer to your home as a Mobile Home or a Manufactured Home, the agents at will find you the best Manufactured Home Insurance coverage at the lowest rate possible. And, we are friendly, professional and make the entire process quick and easy. 

Call us now at 1-800-771-7758


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.