How to Get Cheap Mobile Home Insurance

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Mobile home insurance protects a wide selection of mobile home types, including single-, double-, and triple-wide homes. Due to the materials used in mobile home construction and how the homes are secured, the risks involved in insuring such dwellings are higher compared to a traditional house. This leads to insurance companies charging more for covering a mobile home.
In the following article, Part 1 defines mobile home insurance and how it differs from regular home insurance, Part 2 talks about what mobile home insurance covers, Part 3 discusses some other mobile home insurance coverage options, and Part 4 tells you how to get quotes on cheap mobile home insurance.

Part 1 of 4: What is mobile home insurance?

The insurance for a mobile home differs from a more traditional house. Mobile homes use more lightweight materials in construction, making them easier to transport to your property. Once they reach the property, instead of using a conventional foundation, mobile homes use ground anchors to stay in place. All of this increases the risk involved in living in a mobile home. Due to this increased risk factor, insurance companies require owners to buy policies that take this added risk into account.
Just like a standard home, you should purchase enough mobile home insurance to cover the cost of repairing or even replacing your mobile home if it’s damaged. You also need to consider purchasing optional coverage, such as trip coverage for when you need to move your home, additional personal liability coverage if a friend moves in, and increased coverage for items of high value.
For the most part, expect to pay between $250 and $1,300 depending on the size, age, and other factors, including the mobile home’s worth, the amount of liability insurance you buy, and its location, according to

Part 2 of 4: What does a mobile home insurance policy covers?

So what does mobile home insurance cover? Mobile home insurance covers two basic areas: damage to the physical structure of the home and liability insurance for your guests. Check out the details below.
  • Physical structure insurance: Physical structure insurance covers your home if it suffers from the perils listed in your policy.
The following perils include the most often covered incidences as part of mobile home insurance:
  • Fire
  • Inclement weather
  • Vandalism
  • Theft
In addition, some mobile home insurance policies offer to cover the following additional perils:
  • Animal damage
  • Collisions by cars from the road
  • Damage from ice and snow weight
  • Explosions
  • Falling objects, including trees, large branches, and even meteors
  • Hail damage
  • Landslides
  • Water damage from plumbing
  • Wind damage
  • Liability insurance: The liability portion of mobile home insurance covers any guests who become injured while on your property. In addition, some mobile home liability insurance coverage extends to you or other living in your house if they cause damage to someone else’s property. A good example includes your kids hitting a baseball and breaking a neighbor’s window.

Part 3 of 4: Optional mobile home insurance coverage

In addition to the coverage listed above, you can also select a variety of other coverage options when purchasing your policy. Each option adds a cost to your premium and is discussed in more detail below.
  • Additional living expenses: Just like with a traditional home, additional living expenses coverage pays for you to live in temporary accommodations while your mobile home receives repairs from any damage suffered.
  • Earthquake coverage: In some areas of the country, earthquakes represent a big concern. Insurance companies offer earthquake insurance for mobile home owners in these areas.
  • Additional personal liability coverage: You can also purchase additional liability damage insurance for any additional residents, other than family, who live in the mobile home.
  • Replacement cost coverage: Replacement cost coverage reimburses you the amount that you bought your home for if it suffers damage as opposed to the depreciated value.
  • Scheduled personal property coverage: If you own valuable personal items, such as guns, jewelry, and tools, among other items, then you need to purchase scheduled personal property coverage to take into account the item’s actual value.
  • Trip coverage: Trip coverage provides insurance in the event you need to move your home from one location to another.

Part 4 of 4: How to get quotes on mobile home insurance

Once you know how much and what kind of optional coverage you want for your mobile home, you need to get quotes from a variety of companies to ensure you find the cheapest quote possible. Popular insurance companies include:
Step 1: Check out company reliability. Before getting a quote from any companies, check out the company’s reliability and financial stability.
To check the financial stability of an insurance company, check out the company ratings on the following sites:
You can also see any customer complaints against a company by visiting your state’s Department of Insurance (DOI) Website.
Step 2: Enter information. Next, enter the information required by the insurance company.
Most insurance companies ask for the following information:
  • Policyholder’s name
  • Policyholder’s address
  • Policyholder’s birthday
  • Information about the mobile home, including age, type, and location, among other information
  • Name and age of any other family members living on the property
Step 3: Choose a company. After receiving quotes, you need to decide on the best one for your needs.
When selecting an insurance company, base your decision on cost, what the policy covers, and the experience of other customers with the company when buying mobile home insurance.
When purchasing mobile home insurance, keep in mind that it tends to cost more than traditional home insurance due to the unique risks involved in owning a mobile home. When shopping around for mobile home insurance, keep in mind cost and the type of coverage options you want to buy.

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