Mobile Home Insurance — Manufactured & Modular Coverage
Protect your home, belongings, and liability. Mobile/manufactured home insurance is tailored for factory-built homes, covering the structure, personal property, and personal liability—with optional flood, water backup, and more. Compare coverages and typical costs below, then get quotes in minutes.
Quick facts
| Topic | Fast answer |
|---|---|
| Home types | Manufactured, mobile, and modular homes (single-, double-, and triple-wide) with permanent or non-permanent foundation tie-downs. |
| Structure coverage | Covers the dwelling for covered perils (wind/hail, fire, theft, etc.)—policy form & deductibles vary by state/carrier. |
| Personal property | Protects belongings; choose Replacement Cost (RC) or Actual Cash Value (ACV) where available. |
| Liability | Covers injuries to others or property damage you’re legally responsible for (e.g., guest slip-and-fall). |
| Common add-ons | Water backup, equipment breakdown, golf cart/other structures, scheduled valuables; separate flood policy recommended for flood risk. |
| Park communities | Many parks require proof of liability and name the park as Additional Interest; we issue COIs quickly. |
| Last updated | October 15, 2025 |
Availability and terms vary by state, construction, age of home, roof type, and distance to coast or brush zones.
Coverage snapshot (what’s covered)
Dwelling (A)
Protects the structure itself, attached additions, and built-ins against covered perils. Foundation/anchoring may affect eligibility.
Other Structures (B)
Fences, sheds, carports—separate limits; increase for larger outbuildings as needed.
Personal Property (C)
Furniture, appliances, clothing, electronics; consider Replacement Cost coverage to avoid depreciation.
Loss of Use (D)
Pays additional living expenses if a covered loss makes the home uninhabitable during repairs.
Personal Liability (E)
Helps with injury/property damage claims against you; add umbrella for higher limits.
Medical Payments
First-aid medical expenses for guests, regardless of fault, up to selected limits.
Coverage compare (popular options)
| Feature | Standard option | Upgrades / notes |
|---|---|---|
| Dwelling settlement | ACV in some tiers | Upgrade to Replacement Cost where eligible |
| Personal property | ACV default | Replacement Cost endorsement for newer contents |
| Wind/hail deductible | Flat or % deductible | Coastal/wind zones may require % deductibles |
| Water backup | Not always included | Add endorsement with selected limits |
| Equipment breakdown | Optional | Covers major systems surge/mechanical issues |
| Flood | Excluded | Separate flood policy recommended in risk zones |
We’ll tailor endorsements to park rules, lender requirements, and your home’s specifications (year, roof, foundation).
Pricing snapshot (typical ranges)
| Factor | How it affects premium | What to consider |
|---|---|---|
| Year & construction | Newer homes often rate lower; HUD code compliance matters | Provide make/model, serial/VIN, and tie-down details |
| Roof & updates | Roof age/material drives wind/hail rating | Credits may apply for newer roofs and skirting |
| Location & hazards | Coast, hail, wildfire, crime scores | Consider higher deductibles or mitigation credits |
| Coverage & deductibles | Higher limits increase cost; higher deductibles reduce it | Balance RC upgrades vs. budget |
| Park rules & liability | Higher liability limits may be required | Umbrella can add inexpensive extra protection |
We’ll run multiple carriers to lock in the right replacement cost, deductibles, and endorsements for your address.
Mobile home insurance “near me” & service areas
| Licensed states | Major metros we serve |
|---|---|
| AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV | Phoenix, Tucson, Scottsdale, Dallas, Austin, San Antonio, Los Angeles, San Diego, New York City, Columbus, Miami, Charlotte, Raleigh, Richmond, Atlanta, Oklahoma City, Albuquerque, Des Moines, Kansas City, Detroit, Omaha, Charleston, Sioux Falls, Phoenix-West Valley |
Frequently asked questions
Is mobile home insurance different from standard homeowners?
Can I insure a home in a land-lease or park community?
Do I need separate flood insurance?
Can I get Replacement Cost on the home and contents?
How can I lower my premium?
Disclosure
Blake Insurance Group LLC is an independent agency. Coverage availability, forms, and pricing vary by state, carrier, park rules, and home details. Trademarks belong to their owners. Licensed insurance producer (NPR/NPN 16944666).
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent