Insurance companies understand that mobile homes and manufactured homes are different from traditional houses.

Mobile home insurance typically covers the structure of the home and your personal property, meaning belongings such as clothes and furniture, for theft and damage due to:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Falling objects
  • Vehicles
  • Smoke
  • Volcanic eruption
  • Vandalism
  • Weight of snow, ice or sleet
  • Freezing of pipes (but not if you turned the heat off and left home)

Mobile home insurance

We examined several mobile home insurance policies to find common coverage types. Mobile home insurance also generally covers:

  • Other structures (such as sheds or stand-alone garages).
  • Liability (for certain lawsuits against you for property damage and injuries).
  • Medical payments for minor injuries sustained by guests.
  • Additional living costs if you can't live at home due to damage covered by the policy
  • Debris removal for damage covered by the policy.
  • Damage during emergency removal of the structure, if it was moved to prevent damage that would also be covered by the policy.
  • A loss assessment that you have to pay to a homeowners or residential association, if the problem is covered by your policy.
  • Trees, plants, shrubs and lawns if the damage is caused by certain problems, such as fire, explosion, vandalism, aircraft and vehicles owned by other people.

Some belongings could have a special limit on coverage. Check the policy for specifics. Here are some common limits we found:

  • $250 on cash and coins
  • $500 for food in refrigerators or freezers.
  • $1,500 on watercraft.
  • $2,500 for theft of jewelry, watches, gems and furs.
  • $2,500 for theft of silverware and goldware.
  • $2,500 for theft of guns.
  • $500 for a fire department service charge, unless you live within town limits of the fire department providing the service.

Mobile home policies generally won't pay for damage or other costs due to problems that include:

  • "Ordinance" or law, such as a law that requires you to clean up pollutants.
  • Confiscation or destruction of your stuff by a civil authority.
  • Nuclear hazard.
  • War and military action.
  • Neglect, meaning your failure to save property at the time of damage.
  • Earth movement such as earthquakes, landslides and erosion.
  • Water damage such as floods and storm surge.
  • Water that backs up through sewers or drains or overflows from a sump pump.
  • Power failure if the cause was not on your property.
  • Intentional damage you cause.
  • Bacteria, fungi and rot.

Your insurer might offer extra coverage, called endorsements, that plug the gaps of some of the exclusions listed above. These extras could include:

  • Mechanical breakdown coverage for appliances.
  • Sewer backup coverage.
  • Earthquake insurance.
  • Extra coverage for computers.
  • Identity fraud for the expenses required to restore your identity.
  • "Scheduled personal property" coverage, which lets you insure valuable items for their full value, such as jewelry, furs and musical instruments.
  • Various coverage types for business liability and business property.
  • Golf cart coverage.

Additional mobile home insurance coverage

Flood insurance Flood coverage needs to be purchased as a separate policy.
Agreed loss settlement If your home is destroyed, this coverage will pay the full amount of insurance you've purchased on the home, minus the deductible. For example, if you bought $75,000 worth of insurance and the home is destroyed, the policy will pay this amount to cover replacement.
Replacement cost for contents You'll be reimbursed for brand-new items similar to the ones destroyed. (Such as furniture and clothes.)
Trip collision coverage Covers damage to the mobile home while it's being moved.

Sellers of mobile home insurance

The following companies are among those selling mobile home insurance:

  • Aegis Security Insurance Co.
  • Alfa Insurance Corp.
  • Allstate Indemnity Co.
  • American Bankers Insurance Co. of Florida
  • American Family Home Insurance Co.
  • American Modern Select Insurance Co.
  • American Reliable Insurance Co.
  • Auto-Owners Insurance Co.
  • Citizens Property Insurance Corp. (Florida only)
  • Erie Insurance Co.
  • Foremost Property & Casualty Insurance Co.
  • Maison Insurance Co.
  • Markel American Insurance Co.
  • Metropolitan Property & Casualty Co.
  • Mt. Morris Mutual Insurance Co.
  • North Star Mutual Insurance Co.
  • Shelter Mutual Insurance Co.
  • State Farm Fire and Casualty Co.

How to get cheap mobile home insurance

You can potentially save money on mobile home insurance if you:

  1. Bundle your mobile home policy with an auto insurance policy. Buying mobile home and auto insurance from the same insurer can lower your rates.
  2. Compare quotes. Quotes are free, so it's worth comparing prices from at least a few companies.
  3. Ask about discounts such as:
    • Original owner
    • Protective devices such as fire alarms, sprinkler systems and burglar alarms.
    • Automatic funds transfer to pay for the insurance
    • New mobile home discount
    • Mature mobile-homeowner (generally age 50 and over)