Mobile Home Insurance: Protect Your Home and Your Investment

Mobile homes provide a cozy and comfortable home for millions of Americans across the country. Just like any home, they are subject to damage from unforeseen events such as storms or fires. That's why mobile home insurance is an essential investment that every mobile homeowner should consider.


What is Mobile Home Insurance?

Mobile home insurance is a type of property insurance that offers protection to mobile homes, manufactured homes, and other non-traditional homes. It is similar to homeowners' insurance in that it covers the primary structure of the home, personal belongings, and liability coverage. Depending on the insurance policy, mobile home insurance may cover additional structures such as the shed, deck, and detached garages.

Mobile home insurance policies come in several types like any other form of insurance. Most mobile home insurance plans offer full coverage for a wide range of events such as fire, windstorms, lightning, theft, and vandalism.

What Is Not Covered by Mobile Home Insurance?

While mobile home insurance provides crucial protection against many unexpected events, there are still some things that it won't cover. Every policy is different, and the list below serves only as an example. Be sure to ask your insurance company to explain what is and isn't covered in your policy.

  • Earthquakes: Most mobile home insurance policies don't cover damage caused by earthquakes. If you live in an area that is prone to these, be sure to ask about coverage options.
  • Flooding: Flood coverage is generally not included in a standard mobile home insurance policy. You will need to purchase a separate flood insurance policy to cover damage caused by floods.
  • Wear and tear: Regular wear and tear on your mobile home is not covered by insurance. Only damage caused by unexpected events is going to be covered.
  • Neglect: Any damages resulting from negligence or a lack of maintenance on the part of the homeowner is not covered by insurance.

Are Older Mobile Homes More Expensive to Insure?

The age of your mobile home is only one factor the insurance company considers when determining your insurance premium. Other factors that insurers consider include the value of your home, your location, the amount of coverage you need, and your claims history.

What Do I Need to Know before Getting Mobile Home Insurance?

If you are thinking of getting mobile home insurance, there are several things to keep in mind.

Know what type and level of coverage you need: Not all insurance policies offer the same coverage options. It is essential to work with an insurance agent that can help you create a policy that meets your specific requirements and budget.

Understand your policy exclusions: Make sure you know what your policy covers and what it does not. Be sure to ask for clarification if you are unsure.

Consider bundling your insurance: Some insurance providers will offer discounts for bundling multiple policies together. This includes insurance on mobile home, auto, and life.

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