Mobile Home Insurance Calculator
About Mobile Home Insurance
Mobile and manufactured homes require specialized insurance (HO-7) because they differ structurally from site-built homes — they're more susceptible to wind damage and can be harder to insure in certain states. Mobile homes in Florida, Texas, and other storm-prone states face the highest premiums. Older mobile homes (15+ years) are significantly more expensive to insure due to dated construction standards. Whether you own or rent your lot also affects coverage needs — lot owners may need additional land liability coverage. Not all insurers write mobile home policies, so shopping multiple carriers is especially important.
Frequently Asked Questions
What type of insurance do I need for a mobile home?
Mobile and manufactured homes require an HO-7 (mobile home) policy. Standard HO-3 policies designed for site-built homes do not adequately cover mobile homes.
Is mobile home insurance required?
If you have a loan on your mobile home, your lender will require insurance. Many mobile home parks also require proof of insurance as a condition of lot rental.
How does a mobile home's age affect insurance?
Older mobile homes are more expensive to insure because they were built to older standards with materials that degrade over time. Homes over 15 years old may be difficult to insure with some carriers.
Does mobile home insurance cover the land?
No. Mobile home insurance covers the structure and personal property, not the land. If you own the lot, consider a separate liability endorsement to cover injuries that occur on your property.
What is tie-down coverage for mobile homes?
Tie-down coverage specifically covers damage to anchoring systems that secure mobile homes to the ground. This is particularly important in areas with high wind risk, as a properly anchored home sustains significantly less storm damage.
Results are estimates only. Mobile home insurance availability and pricing vary significantly by insurer, home age, and state. Consult a licensed insurance professional for accurate quotes.