Mobile Home Insurance Cost in 2026 — Rates for Manufactured Homes

Mobile Home Insurance Cost

$750 - $2,000/yrUpdated March 2026

Mobile home insurance (also called manufactured home insurance) provides coverage similar to standard homeowners insurance but is designed specifically for manufactured and mobile homes. Rates are generally lower than traditional homeowners insurance, but coverage needs differ due to construction differences.

Average Mobile Home Insurance Costs

National average: $1,300/year for comprehensive coverage. Cost by home value: Under $50,000: $750-$1,100/yr, $50,000-$100,000: $1,000-$1,500/yr, $100,000-$200,000: $1,300-$2,000/yr. Single-wide: $700-$1,200/yr, Double-wide: $1,000-$1,800/yr. Modular homes on permanent foundations: $1,200-$2,000/yr.

What Mobile Home Insurance Covers

Standard coverage includes: Dwelling coverage (home structure), Other structures (decks, sheds, porches), Personal property, Liability coverage, Additional living expenses, Trip collision (covers damage during transport). Optional coverages: Flood insurance, Earthquake insurance, Water/sewer backup, Scheduled personal property.

Best Mobile Home Insurance Companies

Top insurers: Foremost (largest mobile home insurer, comprehensive options), American Family (competitive rates), GEICO (partnered carriers for mobile homes), State Farm (available in most areas), Farmers (good customization), and American Modern Insurance Group (specialty manufactured home coverage).

Mobile Home vs Traditional Home Insurance

Key differences: Mobile homes are more vulnerable to wind damage (higher wind premiums), require specific coverage for transportation/relocation, may need different foundation coverage, and face availability challenges (fewer insurers). Advantages: lower overall premiums due to lower home values, simpler coverage structure, and specialized policies designed for manufactured housing.

How to Lower Mobile Home Insurance

Savings strategies: Anchor/tie down your home properly (required for wind coverage, reduces rates), install skirting and storm shutters, upgrade to a newer manufactured home (post-1976 HUD standards), choose a mobile home park with good maintenance, bundle with auto insurance, increase deductibles, and install security/smoke detection systems.

Frequently Asked Questions

Is mobile home insurance expensive?

Mobile home insurance is generally cheaper than traditional homeowners insurance, averaging $1,300/year. However, rates vary based on home age, value, location, and whether it is on a permanent foundation or in a mobile home park.

Do you need insurance on a mobile home?

While not legally required (unless you have a loan), mobile home insurance is strongly recommended. Without it, you bear the full cost of damage, theft, liability claims, and temporary housing. Lenders require coverage on financed mobile homes.

What is the difference between HO-7 and HO-3?

HO-7 is specifically designed for mobile/manufactured homes, while HO-3 is for traditional site-built homes. HO-7 covers transport damage and has provisions for mobile home-specific risks. HO-3 provides broader dwelling coverage but does not address mobile home-specific needs.

Does mobile home insurance cover wind damage?

Standard mobile home insurance typically covers wind damage, but policies in hurricane/tornado-prone areas may exclude wind or require a separate windstorm policy. Proper tie-downs and anchoring are usually required for wind coverage.

Can I get mobile home insurance for an older home?

Yes, but it may be more expensive and harder to find. Homes built before 1976 (pre-HUD standards) face higher rates and fewer insurer options. Homes over 30 years old may need specialty insurers. Upgrading electrical, plumbing, and roofing can help qualify for better rates.