Manufactured & Mobile Home Insurance

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Mobile homes covered by mobile home insurance

Mobile Home Insurance Discounts

Our team can help you find ways to save on mobile home insurance. Ask your insurance agent if you qualify for any coverage discounts. Mobile home insurance discounts vary by carrier, but common ones include:

Multi-Policy Discount

Get a price break when you buy your mobile home and auto insurance policies from the same carrier.

Firewise Discount

Insured mobile homes part of the Firewise USA program (available in select communities) might be eligible for a discount.

Claims-Free History Discount

If you haven’t filed a claim for a specified length of time, such as three years, some carriers offer a coverage discount. Conditions vary by carrier.

Age of Home Discount

Newer homes usually have fewer problems—and fewer claims—and may qualify for an insurance discount.

Mobile Home Coverage

Mobile home insurance is very similar to a standard homeowners policy. An agent can walk you through your options so you get the coverage that fits your needs and budget. Coverage varies by carrier, but types of coverage for manufactured and mobile homes can include:


Dwelling Coverage

Helps pay to rebuild or repair your mobile home if it gets damaged


Other Structures

Helps pay for repairs to structures, like a shed or fence, on your property 


Personal Property

Helps pay to repair or replace personal belongings like furniture and electronics


Loss of Use

Helps pay for living expenses while your mobile home is being repaired after a loss


Liability Coverage

Helps pay medical and legal bills if you are liable for property damage or injury


Optional Coverages

Provide extra protection in case of earthquake, flood, and water backup and sump overflow

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Frequently Asked Questions: Manufactured & Mobile Home Insurance