Can You Get Homeowners Insurance on a Mobile Home?

You can obtain insurance for a mobile home, though it is commonly referred to as “manufactured home insurance” or a similar specialized policy rather than a standard “homeowners insurance” policy. This specialized coverage provides financial protection for your dwelling and belongings, addressing unique considerations stemming from the design and nature of mobile or manufactured homes.

Understanding Mobile Home Insurance

Mobile home insurance is a distinct category of property insurance tailored for manufactured or mobile homes, differing from policies for site-built residences. This specialized coverage addresses the unique construction and potential risks associated with factory-built homes. Unlike traditional homes built on a permanent slab, mobile homes are often placed on a wheeled chassis, even if later removed for permanent placement. This construction means they do not qualify for conventional homeowners insurance policies.

Policies include protection for the physical dwelling, personal belongings, and liability claims. Although not legally mandated in all instances, mortgage lenders frequently require this insurance to protect their investment, and mobile home communities may also enforce such requirements.

Typical Coverage Provided

A mobile home insurance policy includes several components to protect the structure and its contents.

Dwelling Coverage

Dwelling coverage provides financial protection to rebuild or repair the physical structure of the mobile home. This coverage often extends to attached structures, such as decks, carports, or awnings.

Personal Property Coverage

Personal property coverage safeguards belongings inside the home, including furniture, electronics, clothing, and appliances. It covers the cost of replacing or repairing these items if damaged or stolen due to a covered peril. While standard coverage typically provides actual cash value, policyholders can opt for replacement cost coverage to buy new items of similar kind and quality.

Personal Liability Coverage

Personal liability coverage offers protection if someone is injured on the property or if the homeowner causes accidental damage to another person’s property. This coverage helps with legal expenses and potential settlements.

Additional Living Expenses Coverage

Additional living expenses coverage, sometimes called “loss of use” coverage, provides funds for temporary housing and other living costs if the mobile home becomes uninhabitable due to a covered loss. This can include hotel stays or increased food costs until the home is repaired.

Key Factors Affecting Coverage and Cost

Several factors influence the availability and cost of mobile home insurance.

Home’s Age and Condition

Older or poorly maintained homes may be more expensive to insure. Newer manufactured homes, especially those built after the 1976 Department of Housing and Urban Development (HUD) code revisions, often have improved structural safety features, potentially leading to lower premiums. Homes built before these standards may present higher risks.

Location

Homes in areas prone to natural disasters, such as hurricanes, floods, wildfires, or tornadoes, typically incur higher premiums. Proximity to fire hydrants or fire departments can reduce costs.

Foundation Type and Safety Features

Homes permanently affixed to a foundation or slab may qualify for better premiums than those on temporary supports. The presence of safety features like smoke detectors, security systems, or reinforced roofing can lead to discounts. Proper tie-downs and anchoring systems also enhance stability against high winds.

Claims History and Coverage Choices

A homeowner’s claims history influences rates; frequent or expensive past claims can indicate higher risk. Desired coverage limits and chosen deductible amounts also affect premiums; higher coverage or lower deductibles generally result in higher costs.

Steps to Secure Mobile Home Insurance

To secure mobile home insurance, gather information about the home.

Gather Home Information

This includes:

• Year of manufacture, make, model, and square footage
• Construction details, such as roof type, exterior wall material, and foundation type
• Information regarding heating, plumbing, electrical systems, and installed security features

Compare Quotes

Compare quotes from multiple insurance providers. Many companies offer online quotation tools. Consider companies specializing in manufactured home insurance or consult an independent insurance agent for tailored options. Independent agents can shop policies across various carriers, potentially finding discounts and coverage options that align with specific needs.

Review Policies and Apply

Ensure coverage types, limits, and deductibles are consistent across all quotes for an accurate comparison. Review policy terms to understand what is covered, excluded, and any specific conditions. Ask about discounts for a claims-free history, multi-policy bundling, or specific safety installations. Complete the application process with all required documentation.