Manufactured home insurance
Coverage for mobile and manufactured homes… smart deductibles, park approvals, and fast proof.
Table of contents
Overview
What these policies cover
Dwelling (MH), other structures, personal property, loss of use, personal liability, and medical payments; options for water backup and equipment breakdown.
Policy types & deductibles… learn more.
Park & lender requirements
Many parks require liability and proof of tie-downs/skirting; lenders often want replacement cost or named peril forms.
What appears on proof… for more info.
Ways to save
Newer roofs, alarms, bundled auto, claim-free status, higher deductibles, and paid-in-full can reduce premium.
Quote prep checklist… see details.
Manufactured home insurance… coverage that matches your home and park rules
Manufactured and mobile homes have unique risks and approval rules, so the right policy looks a little different from a standard homeowners contract. We compare carriers that specialize in MH forms and then tune coverage to your situation: whether your home sits on piers with proper tie-downs, a permanent foundation, or in a leased lot with skirting requirements. We’ll align dwelling limits with realistic rebuild costs, select replacement cost or actual cash value where appropriate, and set deductibles that protect your savings without pushing the payment too high.
If your lender or park manager needs specific wording—like Additional Interest, proof of skirting, or a liability minimum—we’ll include it on the declarations and send proof right away. For personal property, we’ll help you choose limits that reflect real-world replacement values for furniture, electronics, tools, and clothing. Endorsements can fill gaps, too: water backup for sump/sewer issues, equipment breakdown for major systems, and scheduled items for jewelry or instruments. To make quoting fast, use our quote checklist. Want a quick primer on how companies price policies and why one brand can be lower than another? Skim our comparison guide—the logic applies to home as well.
When it’s time to close or satisfy a park requirement, we’ll email the declarations and ID cards within minutes; here’s exactly what appears on the document so you know what to expect: see details. Prefer to talk first? Speak with an agent, or head straight to Get a quote online.
Coverage & forms
What’s the difference between MH and standard HO forms?
MH forms are built for factory-built homes, tie-downs, and skirting; coverage and eligibility differ from HO-3… learn more.
Replacement cost vs actual cash value?
RC pays to replace new; ACV subtracts depreciation—ask lenders which they require.
Are additions like porches and awnings covered?
Often yes under Other Structures; add limits if you’ve upgraded.
Is water backup included?
Usually by endorsement with a selected limit… see details.
What about equipment breakdown?
Optional endorsement for sudden failure of systems like HVAC or appliances.
Eligibility & pricing
Do tie-downs and skirting affect eligibility?
Yes—many parks and carriers require proper installation; photos may be requested.
Will roof age change my price?
Often; newer or impact-resistant roofs can earn credits.
Can I insure an older mobile home?
Yes with select markets; ACV terms are more common on older models.
Do I need liability if the park doesn’t ask?
Yes—personal liability protects you anywhere, not just at home.
Do claims or prior lapses matter?
They can; we’ll place coverage now and plan for better rates at renewal… for more info.
Documents & endorsements
Can you list my park as Additional Interest?
Yes—we’ll add them so they receive proof updates automatically… learn more.
How fast can you send proof for closing?
Minutes after binding; we’ll email declarations and ID cards right away.
Is flood coverage included?
No—purchase separately if needed.
Can I schedule jewelry or instruments?
Yes—add a schedule endorsement for higher limits and broader causes of loss.
Can I change deductibles mid-term?
Sometimes; we’ll review options and effective dates.
Money-saving tips
What are common credits?
Bundle with auto, monitored alarms, claim-free status, newer roof, and paid-in-full can help.
Do photos or inspections help?
Clear photos of tie-downs, skirting, and upgrades speed approvals.
Should I inventory belongings?
Yes—photos plus a simple list make claims easier… see details.
Does a small claim raise price?
It can; frequency matters more than one event.
Paperless and autopay—worth it?
Often yes; some carriers add small billing credits.
Can I add a shed or carport later?
Yes—endorse the policy to increase Other Structures and update photos.
Does location in a wind/hail region change deductibles?
Yes—some markets use percent wind/hail deductibles in high-risk zones.
Is liability worldwide?
Personal liability follows you, subject to policy terms and exclusions.
How do I raise personal liability to $500k?
We can endorse higher limits or add an umbrella policy.
How quickly can you resend proof to my park office?
Within minutes—email or text is fine.
Compare manufactured home quotes
We match your home and park requirements, then send proof fast.
Quick comparisons
RC vs ACV
Full replacement vs depreciation applied.
Flat vs % wind/hail
Predictable dollar vs % of dwelling amount.
Bundle vs standalone
Package savings or keep policies separate.
Last Updated on by Shawn Christie