Affordable Mobile Home Insurance

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Insurance Navy offers mobile or manufactured home insurance. Mobile homes, also known as manufactured homes or trailers, are affordable and versatile housing options. They are built on a chassis with wheels and can be moved to a permanent site.

Because of their unique construction, mobile homes need specialized coverage to protect against fire, theft, wind, hurricanes, hail, guest injuries, and water damage. These affordable policies cover the home, personal belongings, and additional structures on the property.

Insurance Navy knows the needs of mobile homeowners are different, so we offer custom comprehensive coverage for these types of homes. Working with an experienced insurance company means you get accurate and affordable quotes.

Plus, we offer multiple ways to get a quote: online, over the phone, or in person at an office. We make it easy to have an affordable option with mobile home insurance.

What is Manufactured or Mobile Home Insurance?

Manufactured home insurance, also known as mobile home insurance or just home insurance, covers your home and personal belongings against covered losses such as theft, fire, severe weather, and accidents on your property. Since accidents and weather events are out of our control, having the right insurance means financial security and peace of mind.

Legally, mobile and manufactured homes are the same. According to government regulations, “manufactured home” applies to those built after June 15, 1976. Insurance for these factory-built homes falls under the HO7 category, which is similar to the HO3 Special Form homeowners insurance policy.

Unlike standard coverages, an HO7 policy covers everything except what’s excluded, so it’s essential to review the type of coverage carefully.

At Insurance Navy, we simplify the process by comparing mobile home insurance rates to find the best policy for your needs and budget.

Whether you want coverage for your home’s structure, personal belongings, or financial protection from liabilities, having the right policy means you and your home are ready for the unexpected.

What Does a Mobile Home Insurance Policy Cover?

Mobile home insurance (manufactured home insurance) protects your home, property, and personal liability risks. Mobile home insurance coverage includes:

1. Dwelling coverage: This covers the home’s physical structure, including attached porches and garages, for covered damages like fire, wind, hail, and water damage from natural disasters.
2. Personal property coverage pays to repair or replace damaged or stolen personal belongings, such as furniture, appliances, and clothing. High-value items like jewelry and electronics may need additional coverage.
3. Liability coverage: Pays legal fees and medical bills if someone gets hurt on your property or if you’re responsible for property damage.
4. Additional living expenses (ALE) / Loss of Use: This covers hotel stays, rent, and meals if your house becomes uninhabitable due to a covered event.

Homeowners can also add optional coverages to suit their needs, including flood damage, earthquakes, identity theft, vandalism, and detached structures like sheds and guest houses. Some policies, like peril-based coverage, offer lower premiums but higher risk, covering only specific perils.

Since the average cost of a new manufactured home is over $120,000, getting the correct replacement cost coverage is key to protecting your investment. Custom coverage options allow homeowners to be financially secure in case of unexpected damage or loss.

How Much Does Mobile Home Insurance Cost?

Mobile home insurance prices vary based on several factors, the biggest of which are location and coverage options. On average, policies cost around $1,000 a year, but they can be more or less depending on the specifics.

Factors that affect your insurance premium cost:

1. Home characteristics: Size, age, construction type, and overall condition.
2. Location risks: Proximity to high crime areas or areas prone to extreme weather.
3. Coverage limits and deductibles: Higher policy limits and lower deductibles cost more.
4. Claims history: Past insurance claims on the property.
5. Personal property value: Total value of the items you’re insuring.
6. Occupancy and foundation type: Whether the home is owner-occupied or rented and the type of foundation.

Due to the increased risk, manufactured homes cost more to insure than traditional homes. So, homeowners should weigh the cost versus coverage.

Does the Law require Mobile or Manufactured Home Insurance?

Mobile home coverage is not legally required in any state but is sometimes necessary. Most mortgage companies require insurance as a condition of financing so your home is protected from damage. Many mobile home communities and HOAs require coverage for residents. Without insurance, you won’t qualify for financing or be able to live in some communities.

Even if not required, we highly recommend that you have coverage because mobile homes are more vulnerable than traditional houses. Without coverage, you could lose much money if damage or unexpected events occur.

How to Get the Best Manufactured Home Insurance Quote

Getting the right mobile home insurance starts with gathering the facts and comparing them to get the best type of coverage for the best price.

To speed up the process of getting a mobile home insurance quote, have the following information ready:

1. Personal and property info: Provide information about the owner, co-owners, and occupants.
2. Ownership status: Do you own the home outright or have a mortgage?
3. Home details: Home size, materials, foundation type, and security features.
4. Current insurance: If you have current home insurance.

Tips to Get the Best Coverage:

1. Know your home type: Insurance rates vary depending on whether your home is single-wide or double-wide, has wheels or a permanent foundation, and meets HUD classifications based on its construction date.
2. Understand local regulations: State and community rules may require specific coverage or conditions, such as how often the home must be moved.
3. Get multiple quotes: Insurance rates differ between providers, so shopping around will help you get better coverage for less.
4. Bundle policies: If you already have auto or other insurance bundling, they may offer discounts and lower overall premiums.

By having the facts and comparing, you’ll get the best coverage for your needs at the best price.

Get a Cheap Mobile or Manufactured Home Insurance Quote Today!

As your trusted insurance agency, we prioritize our customers' needs when shopping around for the best possible rates (including policy discounts and low down payments) and financing the right policy that fits your budget.

Our Insurance specialists compare prices and match you with the best policy at the lowest rate. You can enjoy peace of mind knowing your home and car will be protected by affordable mobile home insurance that will save you money in the long run.

Get a free homeowners insurance quote online today and start saving! Or feel free to call one of our friendly insurance agents to assist with any questions you may have.

Frequently Asked Questions

Can I Get Earthquake Insurance for My Mobile or Manufactured Home?

Most mobile home insurance policies do not cover earthquakes under a standard policy. If you live in an earthquake area, check your policy. If earthquake insurance is not included, talk to your insurance company about adding a separate policy for earthquake coverage.

How is Mobile Home Insurance different from Standard Homeowners Insurance?

Like standard homeowners insurance, mobile home insurance covers personal property against theft and damage from fire, smoke, lightning, natural disasters, and water damage. Depending on where your house is located, earthquake and flood insurance may also be available. However, unlike a standard homeowners insurance policy, a mobile home policy is structured to accommodate the unique features of manufactured homes to make them affordable and covered.

Are there Home Insurance Policies just for Mobile Homes?

A major difference between mobile homes is that they are built in one place and moved to another. Trip collision coverage is available to protect you during the move and give you peace of mind from the moment the home is moved to its final destination.

Why is Mobile Home Insurance Coverage more expensive?

Mobile home insurance is more expensive than standard homeowners insurance because mobile homes are more risky to insure. They are more prone to hurricanes, tornadoes, floods, and fires, and they are also more likely to be stolen or vandalized. Because of these factors and their lack of a permanent foundation, mobile home insurance is more expensive than traditional homes.

Do I need a Mobile Home Insurance Policy for a Modular Home?

Both mobile and modular homes are built in factories. The difference between them is that modular homes are designed to be installed permanently on a foundation and are subject to local and state building codes like traditional homes. While mobile home insurance can cover both types, policyholders can customize their coverage and limits to fit their needs.

How is Mobile Home Insurance different from Standard Homeowners Insurance?

Mobile home insurance differs from standard homeowners insurance mainly because of structural differences and risks. Mobile and manufactured homes are more prone to fires, wind damage, and pipe failures than traditional homes. Mobile homes are also more likely to be stolen. However, since the total value of a mobile home is often lower than that of a traditional home, insurance policies are adjusted to reflect that difference.