Nearly eight percent of the U.S. population lives in manufactured (mobile) homes, according to the Population Reference Bureau and US Census. While several laws have been enacted over the years to make them safer and more capable of withstanding destructive winds, we will always need insurance.

There are several options available for mobile home insurance. While no insurance policy covers everything, several protections normally come standard. Comprehensive, emergency, flood and trip collision are just a few special policies we must consider. This helps protect against a wide range of possibilities and affords the owner some leeway when it comes to choosing the appropriate insurance policy.

mobile home insurance

Comprehensive insurance coverage takes care of most direct, sudden and accidental physical losses that result from home incidents like these:
  • Fire
  • Vandalism
  • Explosion
  • Landslide
  • Falling Objects
  • Water damage from busted pipes
  • Damage by wild or stray animals
  • Wind
  • Hail
  • Collapse from weight of ice or snow
If an accident occurs and someone is injured or their property damaged due to negligence on the part of the homeowner, liability coverage picks up the tab for medical bills, lost wages, and pain and suffering. It also pays for legal representation in the event that person sues and legal fees are owed.
For those seeking maximum protection, other coverage’sare also available, including additional living expenses, debris removal, earthquake coverage, emergency repairs and food spoilage; as well as mobile trip coverage during moves; water backup coverage for damage from overflowing sewers or drains; and replacement cost coverage, which pays off the home completely in case of total loss.
Floods are not covered on most insurance policies. You should buy flood insurance if you live anywhere that water can reach into your home during an immense flash flood like we had here in WV in 2001, over 10″ of rain in less than 12 hours.
There are several ways to save money when buying insurance. To get the best rates on insurance premiums, owners should ask agents if they’re eligible for the following discounts:
  1. Approved protective devices, like monitored alarms or deadbolts
  2. Secure anchoring to concrete slab
  3. Newer mobile homes insured for replacement cost
  4. Senior citizens discounts
  5. Multi-policy deductions

Also do you homework and shop around for the best coverage at the best price. I have found a great site called MobileHomeInsuranceQuotes.org. This site is strictly for mobile home insurance quotes, allowing you to get several quotes from different companies in one easy place.

This site also has some great articles that will help guide you in your endeavor of obtaining the insurance that you need most. One particular article “Mobile Home Insurance vs Home Insurance” easily explains the difference of the two.

If you are in the market for insurance or just curious if you may be able to save some money while keeping or even extending your coverage you will definitely want to check Mobile Home Insurance Quotes website out. I have yet to find a more focused site for our particular insurance needs.

Please don’t think you can’t get insurance on your mobile home. Years ago my own father couldn’t get insurance on his double wide because it wasn’t set on a permanent foundation, thankfully most companies have relaxed that rule. New companies have stepped in and allow any type of foundation. Fireplaces may of course raise your rates, but there are so many things you can do to lower the rate, making it easily affordable.

For our little bit of coverage we currently pay less than $150 every 6 months. Of course, we are only insured for the replacement value of the home. Now that we have paid it off we must find the amount that best suits our needs and the improvements that we have made. Our home is not on a permanent foundation and yet it was very easy to get the insurance, only one visit from the adjuster and we were covered.

Don’t let the need arrive before you need insurance, prepare yourself. In this day and age, a home that is uninsured is a catastrophe just waiting to happen. Prepare your family for fire by having fire drills and make sure your fire alarms are properly working. Have an escape plan and make sure your children know what to do.

Just last month in Charleston, WV an entire family of 9 perished, including 7 children because there were no working fire alarms in their home. It has prompted the local fire departments to give out free alarms but they still won’t work if the batteries are dead. Please be safe!

Thank you so much for reading Mobile Home Living!


About The Author

Creator/Author

Hello! I'm Crystal, the creator of Mobile Home Living and I appreciate you stopping by! I hope MHL is an inspiring and informative resource for you! Please consider letting me feature your remodels, room makeovers, and home improvement projects. There's not enough inspiration available for manufactured homeowners and I want to change that. Thanks!

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5 Responses

  1. Opu

    I was looking to know about mobile insurance but did not get before this post and now I've read this article carefully and come to know all the necessary information from this post. I hope will be benefited by all the information you mentioned here. Thanks

    Reply
  2. CrystalMHL

    Oh, thank you so much! I did buy Photoshop (well the ole man bought itfor me for Valentines Day) but I can't figure out how to use it…lolso I am still using the My Memories software. It is great for scrapbooking as well as blog designs and so easy to use even I can doit..Thanks so much for reading and commenting. It means a lot to me!

    Reply
  3. Mom of 3

    Love your new graphics at the top of the website! Very nice. Thanks for your Blog, I'm sure it is an inspiration to many!

    Reply
  4. CrystalMHL

    Hi Jeni,Thanks so much for your comment! I have heard of Foremost…We have a70's model single wide too and here in WV, we found a bunch ofinsurance companies that insure mobile homes over 30 years old andjust went with the cheapest that still covered all the things weneeded. Years ago that wasn't the case, my father had an awful timetrying to find insurance on his new double wide, it was veryexpensive. I'm guessing it was very hard to find a company that wouldinsure any mobile home (especially if it wasn't on a permanentfoundation). I bet it's all about where you live though.Companies must have realized it was a lucrative market and they liftedtheir ban and restrictions, thankfully!Thanks again for commenting and reading! Oh and I love your Blog, ISTILL want to feature your beautiful home someday..hint, hint!!!

    Reply

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