Insurance
Mobile Home Insurance
Published September 24, 2026 · Last updated September 30, 2026
Advertiser disclosure: AssistQuote may be paid when you visit or do business with a partner through our links. The provider sets your price. How we make money
The short answer
Mobile home insurance covers your home, your belongings, and your liability if someone gets hurt on your property. It works a lot like homeowners insurance. The big differences are how claims are paid, what it takes to cover wind and flood, and how the home is set up.
Like homeowners insurance, it doesn't cover floods. In Florida and on the Texas coast, wind coverage needs extra attention too.
- No phone number neededSee costs and options before you share any contact details.
- Real price ranges, with sourcesWe name where every number comes from and when it was published.
- You choose who to contactWe show options. You decide if, when and who to reach out to.
We never ask for a Social Security number, date of birth or documents.
Mobile home vs. manufactured home
The names get used the same way, but there is a difference:
- Mobile home: a factory-built home made before June 15, 1976.
- Manufactured home: a factory-built home made after June 15, 1976, to federal HUD Code safety standards. Each section has a red HUD label on the outside.
Insurers often ask which one you have. Homes built to the HUD Code are usually easier to insure. Some companies may not cover older mobile homes at all.
What mobile home insurance covers
Most policies include:
- Your home. Damage from things like fire, wind, hail, theft, vandalism, and falling objects.
- Other structures. Attached decks and patios, carports, and sheds.
- Your belongings. Furniture, clothes, and electronics.
- Liability. If someone is hurt at your home, or you damage someone else's property, it helps pay the costs. That can include a lawsuit.
- Extra living costs. If a covered loss makes your home unlivable, it helps pay for somewhere to stay.
Some basic policies cover only the causes of loss they list. Anything not on the list isn't covered. Read that list before you buy.
What it usually doesn't cover
- Floods. You need a separate flood policy.
- Moving the home. Coverage usually doesn't apply while the home is being moved. Some insurers sell a short-term add-on for the move.
- Wear and tear. Old roofs, rust, and slow leaks aren't covered.
- Wind, in some coastal areas. You may need a separate wind policy. See the Florida and Texas sections below.
How claims are paid: know your settlement type
This is the part people often miss. Mobile home policies pay in one of three ways:
- Replacement cost pays what it costs to repair or replace, without taking off for age.
- Actual cash value pays replacement cost minus depreciation (the loss in value from age and wear). On an older home, that can be far less than the cost to fix it.
- Stated amount pays up to the amount you agreed on when you bought the policy. Check it each year so it still matches what it would cost to replace your home.
Ask which one your quote uses. Two quotes can look alike and pay very differently after a loss. Learn how much homeowners coverage you need.
Flood insurance for mobile homes
Flooding isn't covered by a mobile home policy. The National Flood Insurance Program (NFIP) can cover a manufactured home if it's on a permanent foundation. That can mean a slab, foundation walls, or piers or blocks, as long as the home isn't resting on its wheels. In high-risk flood zones, the home must also be anchored.
See flood insurance.
Mobile home insurance in Florida
- Hurricane deductibles apply. Like other Florida home policies, a mobile home policy may have a separate hurricane deductible. Ask what it is in dollars. See Florida homeowners insurance.
- Citizens covers mobile homes. Citizens Property Insurance, the state's insurer of last resort, offers mobile homeowners policies, dwelling fire policies, and renters coverage for mobile homes. It also offers wind-only policies in some areas.
- The home's age matters. On Citizens' main mobile homeowners policy, partial losses on homes built in 1994 or later are paid at replacement cost.
Mobile home insurance in Texas
- Coastal wind coverage. Many policies on the coast leave out wind and hail. The Texas Windstorm Insurance Association (TWIA) covers wind and hail in the 14 coastal counties and parts of Harris County, and manufactured homes are eligible. Ask what paperwork you need, such as proof the home is properly tied down.
- Hail and storms inland. Hail is common across Texas. Check your wind and hail deductible.
- See Texas homeowners insurance.
What affects the price
- Age and type of home. Older mobile homes usually cost more to insure, if they can be insured at all.
- Where it sits. Coastal, flood-prone, and hail-heavy areas cost more.
- How it's set up. Tie-downs, skirting, and a permanent foundation can help.
- Your settlement type and deductible. Replacement cost costs more than actual cash value.
- Park or private land. Some insurers price homes in parks and on private lots differently.
Not a quote or an offer. Your price comes from the insurance company.
What to ask before you choose
- "Is this replacement cost, actual cash value, or stated amount?"
- "Does it cover wind and hail? What's the deductible?"
- "Does it cover only listed causes of loss, or all causes except those excluded?"
- "Do you need proof of tie-downs or an inspection?"
- "Does my park require a certain amount of liability coverage?"
The catch: an actual cash value policy can look cheaper, but on an older home, a claim may pay far less than the repair costs. Price out replacement cost too before you decide.
Keep reading
Renting a mobile home? See renters insurance. Own a regular house too? See homeowners insurance. Want more liability protection? See umbrella insurance.
More home insurance guides: Homeowners insurance cost · Condo insurance · Renters insurance · Landlord insurance · Flood insurance · Umbrella insurance · How much homeowners insurance you need · Renters insurance basics · How to get renters insurance · All insurance
Why AssistQuote is different
On some websites
They ask who you are first
Some forms want your name and phone number before they show you anything useful. You may not know which companies will get it, or how many will call.
Here, you choose
Answer a few questions without giving your name, email or phone number. See prices, what to ask, and providers to explore. You choose who to contact and what to share with them.
- 1
Check local costs
See typical price ranges for your area and what moves the price up or down.
- 2
Tell us what you need
Answer a few questions about the work, not about who you are.
- 3
You decide what's next
Save or email your options, or visit a provider when you're ready.
Cost information is not a live rate, quote or offer. A provider shown here is not an endorsement. Each provider sets its own prices, privacy and contact rules.
Questions people ask
Ready to see mobile home insurance options in your area?
Start with your ZIP code. You will see typical local costs and options to explore. No phone number, email or name needed to look.
You choose if, when and who to contact.
Related services
Homeowners Insurance
Compare homeowners coverage options for your house and belongings.
Renters Insurance
Compare renters coverage options for an apartment or rental home.
Condo Insurance
Explore condo coverage options alongside your association policy.
Landlord Insurance
Explore coverage options for a property you rent out.
Sources
- HUD, Manufactured housing homeowner resources
- Insurance Information Institute, Mobile home insurance
- FEMA, Manufactured homes and NFIP coverage fact sheet
- Citizens Property Insurance, Mobile home policies: types of coverage
- Texas Department of Insurance, Coastal Texans can turn to TWIA
- Texas Windstorm Insurance Association, Coverage and eligibility
- Texas Department of Insurance, Home insurance guide