woman sitting at laptop wondering if she needs mobile home insurance
May 22, 2023

The Basics of Mobile Home Insurance: What You Need to Know

If you have never purchased a mobile home before, you may want to know some of the basics of mobile home insurance. 

Mobile home insurance (or manufactured home insurance) is similar to standard homeowners insurance because it provides financial protection if your home is damaged. Although it is not required by law, mortgage companies may want proof of insurance before giving you a loan. 

Whether you are purchasing your mobile home with cash, or getting a loan, you need to know the basics of mobile home insurance so you can make an informed decision. Let’s get started! 

Do I Need to Have Insurance for My Mobile Home?

Although mobile home insurance is not required by law, lenders typically require proof of insurance if you are financing your mobile home. Even if you’ve paid cash for your mobile home, or paid it off completely, insuring your home and belongings can be critical if your home and personal property are damaged or destroyed.  

Going without insurance is a big risk, especially in hurricane-prone areas. While it may be tempting to forego homeowner’s insurance to save money, the peace of mind that comes with knowing you’re covered in the event of damage to your home is worth it.

What Does Coverage Look Like for Mobile Homes?

For the most part, mobile home insurance is the same as standard homeowners insurance coverage. 

It’s important to know that flooding, earthquakes, normal wear and tear, and animal/insect infestations are not covered.

The following are the primary coverages provided by mobile home homeowners insurance:


Dwelling coverage takes care of the expenses of rebuilding or repairing the structure of your mobile home after a storm or disaster. It also covers any attached structures, such as a deck or awning, if there is a covered loss.

Other Structures

Permanent structures that are not permanently attached to your home, such as a garage, tool shed, or fence, are frequently covered by mobile home insurance policies.

Personal Property

Personal belongings that include electronics, clothing, and furniture are covered by mobile home insurance. This also holds whether they are damaged or stolen. Keep in mind that filing a claim will require you to pay your deductible.


Accidents happen, it’s inevitable. 

This insurance protects you if someone is injured on your property. For example, if a falling tree from your property hits your neighbor, you could be held liable. With liability coverage, your insurance company will pay for legal fees and damages if you’re liable. 

It’s also important to note your insurance company would only provide financial protection up to the limit of your coverage.

Additional Living Expense 

This coverage, also known as “loss of use coverage,” may pay for hotel costs and other expenses above what you’d normally spend if you are unable to stay in your mobile home due to a covered incident, up to your policy limits.

How Much Will Mobile Home Insurance Cost Me?

Many factors influence your mobile home insurance rate. Here are a few of the most significant ones to know of:

  • The year your mobile home was built and its square footage.
  • The location of your home. (If it’s more prone to severe weather, wildfires, floods, etc.)
  • The specific coverage and coverage limits you choose.

Mobile Home Insurance Gives You Peace of Mind

Searching for insurance quotes and finding the right coverage for you is never an enjoyable task. But when you move into your new mobile home, the last thing you want is to worry yourself sick every time a storm comes your way. 

The price of mobile home coverage is worth the peace of mind that you get as a result.
Hopefully the information above gave you a better understanding of mobile home insurance. If you have any other concerns, our team at Braustin Homes is a phone call away, and we’re more than happy to help! Speak with a member at Braustin Homes today!

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