Mobile and manufactured home coverage
Mobile home insurance for manufactured and mobile homes
A manufactured home is built differently from a site-built house, and many standard home insurance companies will not insure one. Kaufman Insurance Group compares options from companies that write mobile and manufactured home coverage, whether your home sits in a community or on your own land.
- Coverage for single-wide and double-wide homes
- Protection for belongings, liability, and extra living costs
- Options for homes in parks and on private land
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare mobile and manufactured home insurance from the companies we work with. The companies that can quote you depend on what you want to insure, where you live, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What mobile home insurance is
Mobile home insurance, also called manufactured home insurance, is a homeowners-style policy made for homes built in a factory and moved to a site. It protects the home itself, your belongings, and your liability if someone is hurt on your property.
Manufactured homes face some risks differently from site-built houses, such as wind and how the home is anchored and set up. Because of that, many companies either do not insure them or offer them only through a separate program. Working with an independent agency gives you access to more choices.
The terms mobile home and manufactured home are often used to mean the same thing. Generally, homes built after federal manufactured housing standards took effect are called manufactured homes, while older ones are often called mobile homes. The age and construction of your home can affect which companies can insure it.
Homes in a community or park
You own the home and rent the lot. The park may require proof of liability coverage.
Homes on your own land
You own both the home and the land, and you may want coverage for sheds, garages, and other structures.
Know what you are choosing
What a mobile home policy typically includes
Coverage details depend on the company, the home, and where it is located. These are the main parts to compare.
Dwelling coverage
Helps repair or replace the home after covered causes such as fire, wind, hail, and theft damage.
Other structures
Helps with sheds, carports, decks, and detached garages on your property.
Personal property
Helps replace your furniture, clothing, electronics, and other belongings.
Personal liability
Helps pay if you are responsible for injuring someone or damaging their property.
Additional living expenses
Helps pay for a place to stay and meals if a covered loss makes the home unlivable.
Trip or moving coverage
Some companies offer options for when the home is being moved to a new site.
Is it right for you
Who needs mobile home insurance
If you have a loan on your manufactured home, the lender will almost always require insurance. Many communities require liability coverage, too.
Year-round homeowners
The manufactured home is your primary residence.
Seasonal or vacation owners
You use the home part of the year, such as at a lake or campground community.
Landlords
You rent a manufactured home to someone else and need coverage for a rental.
Buyers of an older home
Older homes can be harder to place. We can check which companies may be able to help.
Having trouble finding coverage for your manufactured home? An agent can check more than one company.
How Kaufman helps
How we help you insure your manufactured home
Because we are independent, we can look at companies that specialize in manufactured homes, not just one company’s program.
Tell us about your home
Share the year, make, size, how it is anchored or set up, and whether it is in a park or on your own land.
We compare companies
An agent reviews options from the companies we work with that write manufactured homes.
Choose your coverage
Pick your coverage and deductible. We can often pair it with auto or other policies.
We focus on Ohio and North Carolina, and we can also help manufactured home owners in most other states. Photos of the home, its skirting, and any upgrades such as a new roof or furnace can help with your quote.
Common questions
Mobile home insurance questions
Is mobile home insurance different from homeowners insurance?
It works in a similar way, covering the home, belongings, and liability, but it is written for factory-built homes. Many standard homeowners companies do not insure manufactured homes, so specialized policies are common.
Can I get insurance for an older mobile home?
Often, yes, but fewer companies may be available for older homes. The home’s age, condition, and updates matter. We can check the options for your home.
Does my park’s insurance cover my home?
Usually not. A community’s policy generally covers its own property and liability. Your home, belongings, and personal liability need your own policy.
Is flood covered on a mobile home policy?
Standard policies usually do not cover flooding from rising water. Separate flood insurance may be available for manufactured homes.
What details help with a quote?
The year, make, model, size, location, how the home is set up and tied down, and any recent updates are all helpful.
Related coverage
Coverage that pairs well with mobile home insurance
Homeowners insurance
Coverage for site-built houses.
Explore homeowners insuranceFlood insurance
Protection from rising water, which home policies usually exclude.
Explore flood insuranceAuto insurance
Coverage for the vehicles your household drives.
Explore auto insurancePersonal insurance hub
See every type of personal coverage we can help you with, from your home and cars to your toys and valuables.
Explore personal lines insuranceReady to protect your manufactured home?
Start a mobile home insurance quote online, or contact us with questions. An agent will help you compare options.
Prefer to talk? Call (330) 486-8404.