Insuring a Mobile or Manufactured Home


Many owners of traditional homes recognize the vital importance of maintaining comprehensive home insurance to protect themselves in the event of damage. Mobile and manufactured homes are becoming an increasingly popular form of homeownership throughout many regions of the country. Mobile homeownership provides people with the opportunity to build equity in an affordable home rather than continuously pay rent for an apartment without building any equity. It’s extremely important for all homeowners to carry insurance regardless of whether they own a traditional home or a mobile home.

What Types of Damage Does Mobile Home Insurance Cover?

Mobile home insurance can protect you against many different types of damage that could affect your home. Policies can insure you against damage caused by weather events such as lightning, windstorms, and hail. They can also help to address losses resulting from the acts of third parties such as theft or vandalism. In addition, your policy can cover losses due to fire, water damage, and falling objects.

What Will Your Policy Safeguard?

The primary purpose of a mobile insurance policy is to cover damage caused to the physical structure of your mobile home; this may include flooring, windows, or your home’s tie-down anchoring system. Additionally, your policy’s coverage can also protect against damage to your personal belongings inside of your mobile home.