Mobile home / manufactured home insurance
InsuranceFinder coverage guide · Updated September 2026
Manufactured and mobile home insurance covers factory-built structures, skirtings, tie-downs, and attached additions against fire, high winds, hail, and liability claims. Standard site-built home policies are not designed for manufactured home construction standards.
Mobile / manufactured home coverage breakdown
These forms are written for factory-built homes. What is covered and how settlement works still depends on the policy.
Covers the manufactured or mobile home unit itself against covered perils such as fire, wind, and hail, subject to limits and deductibles. How the home is anchored and where it sits can matter to the form.
Skirtings, tie-downs, steps, carports, and certain attached additions may be included or scheduled. Confirm what the policy lists for your setup.
Covers belongings inside the home against covered perils, subject to limits and any special sublimits.
Liability for covered injury or property damage to others, and additional living expense if a covered loss makes the home unlivable — when the form includes those parts.
Who typically uses mobile / manufactured home insurance
Mobile and manufactured home insurance is typically carried by people who own or finance a factory-built home, including homes in parks and on private land. Lenders and park rules often require coverage while a loan or lease is outstanding. A standard homeowners form for site-built houses is usually the wrong fit — the contract and home type decide.
Flood and earthquake are commonly excluded and may need separate policies when available. Wear-and-tear, poor maintenance, and gradual damage are usually excluded. Moving the home, unlisted structures, and business use can be limited or excluded. Education only — not advice to buy.
Agencies specializing in mobile home / manufactured home insurance
Independent agencies published in our database. Open a profile for license details and state DOI links.