Manufactured and Mobile Home Insurance

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How does mobile/manufactured home insurance work?

Mobile home insurance — also called manufactured home insurance — is a special type of homeowners insurance designed just for factory-built homes. Whether your home is in a mobile home community or on your own property, the right coverage can help you protect your home and the things that make it yours.  

What sets Farmers coverage apart is in the details. For example, agreed settlement loss coverage is standard in every Farmers mobile home insurance policy. So if your mobile home is destroyed by a fire, windstorm or other covered event, you’d get the full amount of insurance you selected for your home, minus the deductible.  

Learn more about mobile home insurance, from getting a quote to coverage options. A Farmers agent can help you find coverage that fits your home and discounts that can help you save.

How does manufactured/mobile home insurance differ from standard homeowners insurance?

Mobile homes and homes built on-site face many of the same risks, and both types of policies are designed to help pay for losses after a covered event, like repairing roof damage after a windstorm. The key difference is that Farmers manufactured and mobile home insurance includes features designed specifically for factory-built homes.

Here’s how Farmers manufactured and mobile home insurance compares with a standard homeowners policy.

Coverages

Standard homeowners policy

Manufactured/mobile home policy

Your home and other structures

Covers damaged caused by events specifically listed in the policy

Provides broader coverage for damage, unless the cause is specifically excluded in the policy

Personal belongings

Covers losses caused by events specifically listed in a policy

Provides broader coverage for losses, except causes excluded in the policy

A total loss

The settlement may depend on how much it costs to replace your home, depreciation value, policy limits and other factors.

You’ll know exactly how much you’ll receive if your home is destroyed, minus the deductible, with agreed loss settlement coverage.

Moving the home

Typically not applicable

Optional trip coverage can help protect the home while it is being moved to a new location.

Homes in a community

Coverage may vary based on the policy and property.

Includes loss assessment coverage for certain covered damage involving community property, such as clubhouses, pools or roads

Coverages

Standard homeowners policy

Manufactured/mobile home policy

Your home and other structures

Covers damaged caused by events specifically listed in the policy

Provides broader coverage for damage, unless the cause is specifically excluded in the policy

Personal belongings

Covers losses caused by events specifically listed in a policy

Provides broader coverage for losses, except causes excluded in the policy

A total loss

The settlement may depend on how much it costs to replace your home, depreciation value, policy limits and other factors.

You’ll know exactly how much you’ll receive if your home is destroyed, minus the deductible, with agreed loss settlement coverage.

Moving the home

Typically not applicable

Optional trip coverage can help protect the home while it is being moved to a new location.

Homes in a community

Coverage may vary based on the policy and property.

Includes loss assessment coverage for certain covered damage involving community property, such as clubhouses, pools or roads

What do I need to get insurance for my mobile home?

To get a mobile home insurance quote, you may be asked for details about your home and how it is used, and about the amount of coverage you want. Having this information ready can help simplify the process: 

  • Year home was built
  • Size and location
  • Owner-occupied or seasonal use
  • Safety features, such as smoke detectors or security systems
  • Previous claims history
  • Estimated value of your belongings 

Why do I need mobile or manufactured home insurance?

Your home may be one of your biggest investments, and mobile or manufactured home insurance can help provide financial protection if your home or belongings are damaged or destroyed. Sometimes, you may be required to have insurance. Lenders typically require certain types of coverage if you financed your home, and some mobile home parks or communities may also require residents to have insurance as part of a lease or residency agreement.

Mobile and manufactured home insurance coverages

A Farmers policy typically covers most sudden and accidental losses unless they’re specifically excluded in the policy. And a policy can be customized based on your home, location and coverage needs. Understanding common coverage types may help you choose a policy that’s right for you.

Dwelling coverage

Dwelling coverage can help pay to repair or rebuild your manufactured or mobile home if it is damaged by a covered event, such as: 

  • Fire or smoke
  • Lightning
  • Windstorms or hail
  • Vandalism
  • Theft
  • Certain falling objects 

Example: If a windstorm damages your roof or hail damages the siding of your manufactured home, dwelling coverage can help pay for repairs.

Personal property coverage

Personal property coverage can help you protect what’s inside your home, including: 

  • Furniture
  • Clothing
  • Electronics
  • Appliances
  • Kitchen items
  • Sporting equipment

Liability coverage

Liability coverage can help pay costs if you’re responsible for accidental property damage or injury to others. 

Example: If a guest slips on your steps and is injured, liability coverage can help pay for medical expenses or legal costs if you are found responsible. 

Example: Fire destroys most of your belongings, including your laptop, clothing and furniture. Personal property coverage can help pay to repair or replace them, up to your coverage limits.

Additional living expenses coverage

If you can’t live in your home because of a covered loss, additional living expenses coverage can help pay for temporary housing, meals and other related expenses while your home is being repaired. 

Example: A vandal breaks into your home and causes significant damage, making it unsafe to stay there during repairs. This coverage can help pay for increased costs like a hotel stay, restaurant meals and other necessary expenses while you’re temporarily displaced.

Other structures coverage

If a covered event damages a shed, carport, fence or other detached structure, your policy may help pay for repairs or replacement, subject to your coverage limits and deductible. 

Example: A windstorm knocks a tree branch onto your shed and damages the roof. Other structures coverage can help pay to repair the shed.

Additional coverages included in a Farmers policy 

What sets Farmers coverage apart is in the details. These coverages are standard in every policy: 

  • Golf cart
  • Trees, shrubs, plants and lawns
  • Debris removal
  • Emergency removal service and emergency repair after a loss
  • Fire department service
  • Food spoilage coverage

Optional coverages

You may want additional coverage for events not included in a standard policy. 

        What mobile or manufactured home insurance may not cover

        Like other types of home insurance, mobile and manufactured home insurance policies have coverage limits, exclusions and conditions. Standard mobile home insurance policies typically do not cover: 

        • Flood damage
        • Earthquake damage
        • Wear and tear
        • Neglect or lack of maintenance
        • Pest or insect damage
        • Intentional damage
        • Certain business-related losses

        For example, damage caused by repeated leaks, poor maintenance or normal aging is generally not covered. Insurance is designed to cover sudden and accidental covered losses — not routine upkeep or preventable damage. 

        It’s also important to know that flood and earthquake damage require separate coverage. If your home is located in an area prone to flooding, earthquakes or severe weather, ask a Farmers agent about ways you can customize your policy to fit your location and needs.

        How much does mobile/manufactured home insurance cost?

        The cost depends on several factors, including the home itself, where it’s located and the type of coverage you choose. Because every home is different, insurance costs can vary from one policy to another. Some of the factors that typically affect what you pay for insurance include:  

        • Your home’s age, size and construction
        • Whether your home is located in an approved park or community
        • Local risks, like wind, hail, wildfire or flooding
        • The value of your home and belongings
        • Your claims history
        • Your coverage limits and deductible
        • Safety and security features

        For example, a newer manufactured home with updated systems and protective features may cost less to insure than an older home in an area with higher weather-related risks or claims activity.

        Ways you can save on coverage

        There are many ways you may be able to save money, depending on your home and policy selections, including: 

        • Bundling home and auto policies
        • Insurance discounts
        • Installing safety devices like fire, smoke or burglar alarms
        • Maintaining a claims-free history
        • Choosing a higher deductible
        • Selecting a deductible for certain perils, such as wind or hail
        • Changing coverage limits to fit your needs
        • Age of insured (50 years or older)
        • Non-smoker discount

        bookmark icon  Frequently asked questions

        The terms “mobile home,” “manufactured home” and “modular home” are often used interchangeably, because all are factory-made, but each type of home is built differently. 

        In general, mobile homes were built before federal construction standards established by the U.S. Department of Housing and Urban Development (HUD) took effect in 1976. Manufactured homes are factory-built homes constructed after those standards were introduced. Modular homes are typically built in sections in factories to local and state building codes, similar to site-built homes, then transported and assembled on site. These differences can affect how the home is installed and also the kinds of insurance they need.

        Standard mobile or manufactured home insurance policies do not cover flood damage. If your home is located in an area at risk for flooding, separate flood insurance may be available. 

        Flood risk can exist even outside high-risk flood zones, so reviewing your location and risks with a Farmers agent may help you decide whether flood coverage makes sense.

        Insurance requirements vary, but many lenders require mobile or manufactured home insurance if the home is financed. Some mobile home communities or parks may also require proof of insurance. Even when coverage is not required, many homeowners choose insurance to help them protect their home, belongings and finances. 

        Yes. Farmers can insure mobile homes of any age, model, make or value. Older homes may also qualify for replacement cost or extended replacement cost coverage, which can help cover the actual cost to repair or rebuild your home after a covered loss.

        Yes, but it is typically sold as a specialized home insurance policy designed specifically for factory-built homes. A mobile or manufactured home policy has the same core protections as a standard home insurance policy, such as coverage for the structure and personal belongings, but offers additional features and options. For example, optional trip coverage can help protect the home while it is being moved to a new location.

        It depends on your home, your belongings and your financial situation. In general, you might want to have enough coverage to repair or rebuild your home and replace your personal belongings if your home is destroyed, and enough liability coverage to help protect your finances if you’re found responsible for someone else’s injuries or property damage.  
         
        If your home is financed, your lender may require certain types or amounts of coverage. You should also consider whether optional coverages, such as flood or earthquake insurance, make sense based on where you live.  
         
        A Farmers agent can help you review your options or lender requirements so you can find coverage that fits your home, budget and priorities.

        Learn From Experience

        Read more about renovations, rebuilding after a disaster and other home maintenance stories from real homeowners, homebuilders and pros who have seen it all. 

        Instead of juggling multiple renewal dates and bills, your coverages are streamlined through one insurer. Learn how to bundle your policies and avoid common complications.

        Depending on the coverages you select, flood insurance can provide coverage for the cost to repair your home and replace its contents if there’s a flood.

        Keep in mind that earthquakes aren’t covered by your regular home insurance policy. In some states, you need a separate endorsement that’s designed especially for this hazard.

        * Not all products, coverages, features, and discounts are available in all areas or states and may vary. Restrictions, exclusions, limits, and conditions apply. Please read the policy, as this article does not alter the coverages in any policy you purchase.   

        “Farmers” and “Farmers Insurance Group” are registered trademarks of Farmers Group, Inc., 6301 Owensmouth Ave., Woodland Hills, CA 91367. Insurance provided by a member of the Foremost Insurance Group, including Foremost Insurance Company, Grand Rapids, MI 49512, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas. Home office, Caledonia, MI 49316. Each insurer has sole financial responsibility for its own insurance. States where licensed at foremost.com/companies.