Mobile Home Insurance
Protect your mobile or manufactured home, your belongings, and your personal liability. Compare coverage with guidance from a licensed insurance professional.
How this coverage works
How mobile home coverage works
Mobile home insurance addresses the property and liability needs of mobile and manufactured housing. Policies may combine dwelling protection, belongings, personal liability, and additional living expenses after a covered loss.
Manufactured homes are built to federal HUD construction standards, while older mobile homes predate those standards. Modular homes are built to applicable state and local building codes and need a separate construction review. Your home's age, identification records, installation, and condition help determine suitable options.
Coverage depends on the insurer, location, occupancy, and policy form. Review whether claims settle at replacement cost or actual cash value, along with wind or named-storm deductibles, exclusions, and limits for attached additions.
Flood damage is generally excluded and requires separate coverage. Moving or transporting a home, vacant occupancy, and rental use also need specific review rather than an assumption that a residential policy covers them.
Details to review
- Home age, manufacturer, and model
- Foundation and tie-down system
- Roof, additions, and attached structures
- Replacement cost and deductibles
What the coverage includes
Coverage names, terms, and availability vary by insurance carrier and state. These descriptions are educational and are not a policy contract.
Who this is generally written for
Eligibility is set by each insurance carrier and can differ by state. Nothing here is a guarantee of eligibility or coverage.
Commonly a good fit
- Owners using a mobile or manufactured home as their primary residence
- Owners with a lender requiring evidence of property coverage
- Homes on owned land or in an eligible leased-lot community
- Seasonal homeowners who disclose how often the home is occupied
Worth a conversation first
- Older homes, missing identification records, or uncertain installation details
- Roof concerns, prior losses, or unpermitted attached additions
- Homes rented to others, vacant, or used for business
- Coastal locations, flood exposure, or a planned move or relocation
Availability varies by state
State regulation notice
Frequently asked questions
Coverage that often comes up next
Related coverage worth reviewing at the same time. Nothing is added without your direction.
- Homeowners InsuranceCoverage for your home, belongings, and personal liability.Learn more
- Personal Umbrella InsuranceAdditional liability limits above eligible underlying policies.Learn more
Household coverage review
Review how your property, vehicles, and personal liability fit together. Eligibility and multi-policy options vary by insurance carrier and state.
- Property and belongings
- Vehicles and watercraft
- Personal liability
- Valuables and CollectionsReview individual protection for jewelry, art, and collections.Learn more
Ready to compare your options?
Start online in a few minutes or speak with a licensed insurance professional. There is no obligation, and quoting does not bind coverage.
Insurance coverage is not bound or effective unless and until it has been confirmed in writing by TruvaLink Insurance or an authorized representative of the applicable insurance carrier. Submission of a quote request, application, payment, or other information does not guarantee coverage or constitute proof of insurance.