A manufactured home is more than just a structure—it’s your home, your comfort zone, and your investment. Just like any traditional house, it also needs protection. That’s where manufactured home insurance comes in.
Many people think mobile or manufactured homes are different when it comes to insurance, and they’re right. These homes face different risks and need special types of coverage. In this article, we’ll explain what manufactured home insurance is, what it covers, why it’s important, and which companies offer the best protection at good prices.
What Is a Manufactured Home?
Before we go further, let’s make it clear: a manufactured home (also called a mobile home) is a house built in a factory and then moved to its final location. These homes are placed on a foundation or on rented land in a mobile home park.
They are not the same as modular homes (which are built in pieces but become permanent homes). Manufactured homes are lighter, often more affordable, and more common in rural or mobile communities.
What Is Manufactured Home Insurance?
Manufactured home insurance is a type of policy made specially to cover mobile homes. It works similarly to traditional homeowners insurance, but it’s designed to handle the unique risks these homes face—like wind damage, fire, or movement during transport (in some cases).
It usually covers:
- The structure of your home (walls, roof, floors, etc.)
- Your personal belongings inside the home
- Liability protection if someone is hurt on your property
- Loss of use – if you can’t live in your home after a disaster, it may pay for temporary housing
- Optional coverage like flood, earthquake, or extended replacement costs
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Why Is It Important?
Manufactured homes are often more vulnerable to certain types of damage—especially from wind, storms, and fire. That’s why having the right insurance is not just helpful—it’s necessary.
Without insurance, one storm or fire could cost you everything. Insurance helps pay for repairs or rebuilding, giving you peace of mind .
Also, if you’re taking a loan to buy the home, the lender will usually require you to have insurance.
What Affects the Cost of Manufactured Home Insurance?
Like all types of insurance, the price of your manufactured home insurance depends on a few factors:
- Location of your home – areas with high storm or fire risk will have higher premiums
- Age and condition of the home – older homes may cost more to insure
- Size and value – larger or custom-built homes may need more coverage
- Security features – homes with alarms, smoke detectors, or proper anchoring may qualify for discounts
- Claims history – if you’ve filed many claims before, prices may be higher
- Deductible – a higher deductible can lower your monthly premium
On average, manufactured home insurance in the U.S. ranges from $300 to $1,000 per year, depending on coverage and location.
Best Companies for Manufactured Home Insurance
Not every insurance company offers policies for mobile homes, so it’s good to know which ones do. Here are a few trusted names:
1. Foremost (a Farmers company)
Foremost is one of the top names in manufactured home insurance. They understand mobile homes very well and offer flexible coverage.
2. American Modern
This company specializes in specialty homes and gives good options for older or custom manufactured homes.
3. Progressive
Progressive offers mobile home insurance and lets you bundle it with auto for a discount.
4. State Farm
While not available in all states for mobile homes, State Farm gives reliable coverage where available and good customer service.
5. Allstate
Known for clear policies and strong support, Allstate offers manufactured home insurance in many locations.
Always compare quotes before choosing, and make sure to read the fine print.
Final Tips Before Buying
- Always compare 3–5 quotes before making a decision.
- Ask about discounts for safety features or bundling.
- Know your risks—if you live in a flood or storm zone, add extra protection.
- Review your policy yearly to make sure it still fits your needs.
Conclusion
Your manufactured home deserves the same level of care and protection as any other house. With the right manufactured home insurance, you can live with peace of mind, knowing your home, belongings, and family are protected from the unexpected.
Choose Foremost, Progressive, American Modern, or another trusted name—what matters is coverage that fits your home and life.