Compare Mobile Homeowners Insurance

Protect your factory-built home with insurance tailored to mobile, manufactured, and modular homes.

In the event your home is damaged due to a peril, such as an accident, disaster, theft or vandalism, mobile home insurance helps cover the costs to repair and replace what was lost.

With coverage for the structure of your home, the belongings inside, liability protection for you, and even safeguarding for your home when it is on the move, mobile home insurance makes good financial sense.

Learn more about mobile home insurance and compare coverage below. Or, if you do not own your mobile home, you can compare renters insurance here.

Mobile & Manufactured Home Coverage

The following coverage is typically included with a standard mobile, manufactured, or modular home insurance policy:

  • Dwelling: Helps to repair or replace the physical structure of your home in the event of a covered peril. Learn more
  • Personal property: If your belongings -- such as appliances, furniture, electronics, clothes, and other items -- are damaged, lost, or stolen, personal property coverage can help pay to repair or replace them. Learn more
  • Personal liability: Accidents happen. If someone is injured on your property, or if you or a member of your household accidentally causes bodily injury to another or damage to their property, liability coverage helps financially protect you. Learn more
  • Loss of use: In the event your home is unusable due to peril, loss of use coverage can reimburse you for hotel and other living expenses.

Many insurance carriers also offer these additional coverages:

  • Trip collision: Your home has the added flexibility of being relocated, but going on the road has some added risk. In the event of a collision, you can protect your home from damage with trip collision coverage.
  • Replacement cost: With replacement cost coverage, you can financially protect your home and belongings from deprecation. For instance, let’s say a thief steals your TV, which you purchased many years ago for $1,000. Due to deprecation, that same TV is now worth $500. If you have replacement cost coverage, instead of being reimbursed $500 (actual cash value), you will get $1,000 (full replacement cost).
  • One deductible: Some companies offer a single deductible when bundling their mobile home insurance with auto. In the event both your mobile home and car are damaged (for instance, due to an accident), you would only have to pay one deductible to cover the repairs or replacement of both.

Keep in mind that mobile home insurance typically does not cover earthquakes, floods, depending on where you live, wildfires. You will likely need to purchase separate policies for these perils.

Compare the Best Home Insurance Quotes for Your Coverage Needs:

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Mobile vs. Manufactured vs. Modular Homes

While you can enjoy affordability and flexibility with all three, there are some differences between mobile, manufactured, and modular homes to consider.

The Difference Between Mobile and Manufactured Homes

Both mobile and manufactured homes share the same characteristics, including:

  • Being prefabricated in a factory where they are permanently attached to a chassis before being transported
  • Sold in three sizes -- single, double, or triple sections
  • Able to be placed on top of a crawl space or basement
  • Able to be relocated
  • Being built to meet the standards set by the Housing and Urban Development (HUD) division of the federal government

The key difference between mobile and manufactured homes is when they were built. A structure is considered a mobile home by the HUD if it was built prior to June 15, 1976. Prefab homes built after this date are considered manufactured homes.

What is a Modular Home?

Modular homes are largely similar to manufactured homes, with just a couple of key differences:

  • Prefabricated in factory on either a permanent chassis or temporary frame
  • Requires a permanent foundation (though possible to be relocated)
  • Built to meet the same local, county, and state building codes as permanent homes in the area

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