MOBILE HOME INSURANCE
Mobile Home Insurance
That Protects Your Home
and Your Peace of Mind
Compare mobile home insurance options designed to help
protect your manufactured or mobile home, your belongings,
and your financial security from unexpected events.
MOBILE HOME INSURANCE
Mobile Home Insurance That Protects Your Home and Your Peace of Mind
Compare mobile home insurance options designed to help protect your manufactured or mobile home, your belongings, and your financial security from unexpected events.
Manufactured Home Insurance Coverages
Manufactured home insurance can help protect your home, belongings, finances, and living arrangements after a covered loss. Available coverage, limits, and optional protections vary by insurance carrier and policy.
Dwelling Coverage
Helps protect the physical structure of your home
Dwelling coverage may help pay to repair or rebuild your mobile, manufactured, or modular home if it is damaged by a covered loss. Coverage applies according to your policy limits, deductible, terms, and exclusions.
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Personal Property Coverage
Helps protect belongings inside your home
Personal property coverage may help repair or replace belongings such as furniture, appliances, clothing, electronics, and other personal items if they are stolen, damaged, or destroyed by a covered loss. Certain valuable items may have special limits or coverage requirements.
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Personal Liability Coverage
Helps protect you financially from certain liability claims
Personal liability coverage may help with certain legal expenses, settlements, or judgments if you are found legally responsible for injuring someone or damaging another person's property. Coverage is subject to the limits and conditions of your policy.
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Loss of Use Coverage
Helps with certain extra expenses if you cannot stay at home
If your manufactured or mobile home becomes temporarily uninhabitable because of a covered loss, loss of use coverage may help pay certain additional living expenses, including eligible temporary housing and increased meal costs while repairs are completed.
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Replacement Cost Coverage
May provide additional protection against depreciation
Depending on the insurance carrier and policy, replacement cost coverage may be available for your home, personal belongings, or both. This type of coverage may help pay the cost to repair or replace covered property without deducting depreciation, subject to applicable policy terms.
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Mobile, manufactured, and modular home insurance coverage, eligibility, limits, deductibles, exclusions, valuation methods, and benefits vary by insurance carrier and policy.
Mobile Home Insurance FAQs
Find answers to common New York mobile home insurance questions.
What does mobile home insurance cover?
Mobile home insurance can help protect your home, personal belongings and personal liability. Coverage may also include additional living expenses if a covered loss makes your home temporarily uninhabitable.
How much does mobile home insurance cost?
Mobile home insurance costs can vary based on your home's age, location, value, construction, coverage limits, deductible, claims history and other risk factors. Comparing coverage options can help you find a policy that fits your needs and budget.
Is mobile home insurance required in New York?
Insurance requirements can depend on how your mobile or manufactured home is financed and other applicable agreements. A lender may require insurance as a condition of financing, and other contractual or program requirements may also apply.
Do I need mobile home insurance if I own my land?
Owning the land does not eliminate the risks to your mobile home. Insurance can still help protect the home itself, your personal property and your liability if a covered loss or accident occurs.
How is mobile home insurance different from homeowners insurance?
Mobile and manufactured homes have different construction and risk characteristics than traditional site-built houses, so they generally require a policy designed specifically for that type of home. Coverage can still include the structure, personal property and liability protection.
Does mobile home insurance cover personal belongings?
Mobile home insurance commonly includes personal property coverage that may help repair or replace belongings such as furniture, clothing and electronics after a covered loss, subject to policy limits and exclusions.
Does mobile home insurance cover wind and storm damage?
Mobile home insurance may cover damage caused by certain wind, hail and storm events when they are covered causes of loss under the policy. Coverage and deductibles can vary, so review the policy details for your specific home.
What is the difference between a mobile home and a manufactured home?
The terms are often used interchangeably, but manufactured homes generally refer to factory-built homes constructed under federal HUD standards that took effect in 1976. Insurance options can vary based on the home's age, construction, location and use.
