Mobile home insurance cost and coverage in 2026

Mobile home insurance is a type of homeowners insurance designed specifically for manufactured or mobile homes. It protects the structure of your home, your personal belongings, and includes liability coverage in case someone is injured on your property. Most policies also offer loss of use coverage, which helps pay for temporary living expenses if your home is uninhabitable due to a covered event like a fire or storm.

If you have a mortgage, your lender will likely require you to carry mobile home insurance. But even if you own your home outright, having coverage is essential — you could face a total financial loss if disaster strikes.

The cost of mobile home insurance typically ranges from $700 to $1,500 per year. Your premium will vary based on factors like your location, the age and condition of your home, and the amount of coverage you choose.

What is mobile home insurance?

Mobile home insurance — also known as manufactured home insurance — is similar to traditional homeowners insurance. It provides coverage for the home and contents, liability for the homeowner and loss of use coverage.

“Insurance for mobile homes may not be available through your standard homeowners insurer,” Carole Walker, executive director of the Rocky Mountain Insurance Association, says. “But there are companies that specialize in mobile and manufactured home coverage.”

What’s the difference between mobile, manufactured and modular homes?

Before you shop for a mobile home insurance policy, make sure you understand how mobile homes differ from manufactured homes and modular homes.  According to the Manufactured Housing Institute, they differ in terms of where, when and how they are built. Structures built before 1976 are called mobile homes; those built after 1976 are called manufactured homes.

 

Mobile home

These are actually manufactured homes, but the term “mobile home” specifically applies to homes produced before June 15, 1976. On that date, the HUD Code, a national standard that ensures the proper design and safety of manufactured homes, went into effect and the requirements for construction of manufactured homes changed. 

Manufactured home

A home built in a factory and then transported to and installed at a site. Manufactured homes are built according to the HUD Code (formally the Federal Manufactured Home Construction and Safety Standards).

Modular home

These are also factory-built homes, but instead of falling under federal guidelines, they are built according to standards set by state or regional codes in the area where the home will be located. As with the other homes on this list, they are later transported to and installed on a site.

Unlike manufactured homes, modular homes are delivered in two or more pieces and built atop crawlspaces or basements. They also look more like traditional homes.

What does mobile home insurance cover?

Like a typical homeowners insurance policy, mobile or manufactured home insurance policies include the following coverages:

• Dwelling coverage. Dwelling coverage pays to repair or replace the structure of the home if it’s damaged by a fire, hail, vandalism, or other covered perils. For manufactured homes, this includes the primary structure and any attached components like decks or porches.
• Other structures. If you have other structures that aren’t attached to your home, like a shed, carport, or fence, this form of coverage pays for their repairs. This is especially important for mobile homes, which often include detached utility or storage units.
• Personal property. Personal property insurance pays to replace items inside the home that are damaged or stolen. It covers items like your electronics, furniture, or clothing. Since mobile homes may have a greater risk of damage during severe weather, keeping an accurate inventory of belongings is key.
• Liability. If a guest is injured while visiting your home, personal liability coverage helps with their medical bills and any legal expenses you may have. Liability protection is crucial for mobile homeowners, especially if you have a raised entry, outdoor steps, or rent land in a mobile home park where visitors could be at risk.
• Loss of use. If your home is damaged in a fire or storm and isn’t useable, loss of use coverage will help you pay for temporary living expenses, such as a rental home or hotel stay. This coverage is particularly valuable for mobile homes, which can be more vulnerable to significant damage in windstorms or other weather events, making them temporarily uninhabitable.
  

Together, these coverages help protect not just the physical structure and your belongings, but also your financial security and living arrangements in case something goes wrong.

What types of mobile homes are covered?

Mobile home coverage typically is available for all of the following:

• Commercial mobile homes
• Mobile homes located in a park or on private property
• Mobile homes used seasonally
• Rental mobile homes

Note that mobile home insurance is typically an actual cash value (ACV) policy. That means that losses are paid based on the depreciated value of your mobile home and its contents. Some companies offer replacement cost coverage as an option for an additional premium, but it may only be available on newer, well-maintained manufactured homes.

What isn’t covered by mobile home insurance?

Like any home insurance policy, there are mobile home insurance exclusions, which are the things home insurance doesn’t cover. These are some of the most common exclusions: 

• Flood damage. Like traditional homeowners insurance policies, manufactured home policies don’t cover damages related to floods, such as storm surges or lake overflows. If you live in an area prone to flooding, you’ll need a flood insurance policy through a private insurer or the National Flood Insurance Program. 
• Earthquakes. Homeowners policies exclude damages related to earthquakes, so you may need a separate earthquake insurance policy. Earthquake insurance is available through some private insurers and, in California, from the California Earthquake Authority. 
• Maintenance. A manufactured or mobile home policy doesn’t cover routine maintenance or damages related to wear-and-tear. 
• Homes on wheels. If your mobile home is on wheels and can be transported, it’s not eligible for most policies. Instead, you’d need a recreational vehicle policy. 

Understanding these exclusions can help you decide whether to add extra protection or specialty coverage based on where you live and how you use your home.

How much does mobile home insurance cost?

How much is mobile home insurance? According to insurance agent collaborative Trusted Choice, the average mobile home insurance cost is between $700 and $1,500 annually. However, it can cost considerably more than this in some situations.

Many factors impact your mobile home insurance rate, ranging from the age, condition and location of your home to your coverage limits and claims history.

“Mobile homes can represent a variety of different risks than typical homes that will affect the cost to insure, and may have different limits and deductibles,” Walker says. “So, it’s important to shop around and ask about coverage options.”

Some companies also offer home insurance discounts on mobile home insurance policies. For example, installing a home security system or membership in specific organizations may give you a price break. Bundling your insurance policies together with the same company, particularly with car insurance, can reduce the cost of both policies.

Finally, a higher deductible can lower premiums. For example, you may pay less if you raise your deductible from $500 to $1,000. However, it is important to make sure you can afford to pay the deductible should you suffer a loss.

Remember that cheap mobile home insurance isn’t always the best coverage; review the policy and make sure it meets your needs.

Factors that affect cost of mobile home insurance

Several factors influence how much you’ll pay for your mobile home insurance policy, and understanding these can help you make informed decisions to potentially lower your premium.

• Age of the home. Older homes or those in need of repairs are seen as higher risk because they may be more susceptible to damage from storms or structural issues. As a result, they typically cost more to insure than newer manufactured homes that meet modern construction standards. For the homeowner, that might mean investing in upgrades or repairs to help lower premiums.
• Location. Where you live has a big impact on your rates. If your area experiences severe weather, high crime, or frequent insurance claims, your premium will reflect that extra risk. For example, a mobile home in hurricane-prone Florida will usually cost more to insure than one in a lower-risk state like Iowa — even if the Florida home is newer.
• Selected coverage limits. Your coverage limits represent the maximum amount your insurer will pay for a claim. If you choose higher limits or add specific endorsements (like extended coverage for valuables or collectibles), your policy will deliver more protection — but also come with a higher price. Consumers should balance the need for protection with what makes sense financially.
• Deductible. This is the amount you pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your monthly premium, but it also means taking on more financial responsibility if you need to file a claim. For homeowners on a tight budget, a high deductible may offer savings — but it’s important to be sure you could cover that amount if disaster strikes.
  

To illustrate how these factors work in practice, we requested quotes for two properties: a 10-year-old home in Florida and a one-year-old home in Iowa. Surprisingly, both properties had similar premiums. Even though the Iowa home was newer, Florida’s higher risk of claims due to frequent storms offset the difference. This shows how location can significantly influence your insurance cost, sometimes more than the age of the home.

Where to get mobile home insurance

Finding reliable mobile home insurance is usually easy — there are plenty of companies to compare and choose from. Major companies that offer mobile and manufactured home insurance include:

• State Farm
• Farmers
• Allstate
• Liberty Mutual
• Progressive
• American Family

However, finding a policy may involve slightly more work than purchasing coverage for a more traditional home with a foundation.

“Not all insurance companies offer mobile home insurance or offer policies in all states, so you’ll need to shop around,” Walker says.

It’s worth noting that some of these companies may partner with a specialty insurer to underwrite the policy and don’t underwrite it directly.

How to get mobile home insurance for an older mobile home

If you have an older mobile home, you may find that it doesn’t qualify for a policy from some of the companies that insure newer manufactured homes. That’s largely due to the lack of construction standards on older mobile homes that represent an increased risk for insurance companies.

However, there are companies that specialize in insuring older mobile homes. Many are specialty insurers, such as:

• American Modern
• Foremost
• Assurant

If you’re having trouble getting insurance for an older mobile home, enlist the help of an agent who specializes in harder-to-insure homes or who knows the mobile home insurance market well.

Do you have to get mobile home insurance?

No state requires homeowners to have mobile home insurance, but you may need to purchase coverage in the following circumstances: 

• You finance the home. If you purchase the property with a loan, such as a mobile home mortgage, your lender will likely require you to maintain an insurance policy to protect their investment. 
• You live in a regulated community. Some manufactured home communities require all homes to have insurance policies and provide proof of coverage. Typically, these communities require all homeowners to have liability coverage, at minimum. 
• Damages would be financially devastating. If your home is damaged in a storm or fire, the results can be catastrophic. On average, fire damage caused $88,000 in damages per property, according to the Insurance Information Institute. If that cost would wipe out your savings and leave you without a place to live, you need an insurance policy to protect your home and belongings. 

Even if it’s not legally required, having coverage can be the difference between recovering from a disaster and facing a total loss, making insurance a smart move for most mobile homeowners.

How to find the best mobile home insurance

Before comparing quotes for manufactured home insurance, make sure you know what type of coverage you need and how much you need. If you’re unsure, talk to your insurance agent.

The best manufactured home insurance for you may not work for someone else, so it’s important to shop around and enlist expert help. A lot of the best home insurance companies in the country offer mobile home insurance, so you have options. Take the time to compare them on:

• Price
• Coverage, including any included extras
• Financial stability
• Reputation for customer service and claims handling

How to save money on mobile home insurance

Lowering your mobile home insurance costs doesn’t have to mean sacrificing coverage. With a few smart moves, you can trim your premium while keeping the protection you need.

• Bundle policies. Insurers often reward loyalty. If you buy multiple policies—like auto and mobile home insurance—from the same company, you may qualify for a discount.
• Raise your deductible. Choosing a higher deductible can shrink your monthly premium. Just be sure you’re comfortable paying the out-of-pocket cost if you ever need to file a claim.
• Add safety features. Small upgrades such as smoke detectors, storm shutters, or a security system not only protect your home but may also unlock savings on your policy.
• Keep your home in good shape. A well-maintained roof, plumbing, and electrical system reduce your risk of damage. Insurers see that as lower risk, which can translate into lower rates.
• Ask about discounts. Some insurers offer extra savings if you’ve been claims-free, live in a secure mobile home park, or pay your premium in full upfront.

And don’t forget one of the most effective strategies: shop around. Comparing quotes from multiple companies is often the simplest way to find the best balance of coverage and cost.

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