Mobile homes (also known as manufactured homes), account for roughly 25 percent of new residential structures in the United States. They also make up more than 10 percent of total housing, according to the Manufactured Housing Institute. But all mobile homes have one thing in common: they need to be protected with mobile home insurance.Compare home insurance quotes from leading companies and save.
What Does Mobile Home Insurance Cover?
Mobile/manufactured home insurance protects you from financial loss if your mobile home and/or personal possessions are damaged or destroyed by one of the following perils:
Mobile/manufactured home insurance also provides you with liability coverage in case someone is injured on your property.
What Type of Home Insurance Do You Need?
There are two primary types of what are generally considered mobile homes:
If you own a modular home, you should get a quote for a standard home insurance policy. However, if you own a mobile or manufactured home, you may need a manufactured home or mobile home insurance policy. If you’re not sure which type of mobile home you own, check your home’s information tag or contact an insurance agent.
What’s Covered by Mobile Home Insurance?
A standard mobile/manufactured home insurance policy will likely include the following:
Note that not all forms of coverage are available in all policies.
What Discounts Are Available?
Some companies offer insurance discounts for mobile home owners. Here a few of the most common:
As a mobile home owner, it’s critical that you protect your home with a mobile home insurance policy. At InsWeb, you can compare home insurance quotes and find a policy that fits your needs.