Manufactured home, also known as mobile homes, require specialized insurance coverage to protect your investment, personal belongings, and liability exposure. These homes face unique risks compared to traditional site-built homes, so having the right insurance is crucial.

Here are the most common coverages included in a manufactured home insurance policy:

1. Dwelling Coverage

Dwelling coverage protects the physical structure of your manufactured home, including:

• Walls, roof, and foundation

• Built-in features and fixtures

• Attached structures like carports, porches, or decks

It covers damage caused by covered perils such as fire, windstorms, hail, lightning, or vandalism.

2. Personal Property Coverage

This coverage protects your belongings inside the home, such as:

• Furniture, electronics, and appliances

• Clothing, jewelry, and valuables

• Household items and décor

Covered events often include theft, fire, smoke damage, and storms.

Tip: Create a home inventory to make it easier to file a claim.

3. Liability Coverage

Liability insurance covers you if someone is injured on your property or if you accidentally cause damage to another person’s property.

It helps pay for:

• Legal defense costs

• Medical expenses

• Court judgments or settlements

Whether you own or rent out your manufactured home, this coverage is essential.

4. Additional Living Expenses (ALE) Coverage

If your manufactured home becomes uninhabitable due to a covered event, ALE coverage helps pay for:

• Hotel stays or rental homes

• Restaurant meals

• Laundry and transportation costs

This ensures you’re not left without a place to stay while your home is being repaired.

5. Replacement Cost Coverage

Replacement cost coverage pays to replace or repair your home and belongings with new items of similar kind and quality—without factoring in depreciation.

• Helps you avoid large out-of-pocket expenses after a major loss

• More valuable than actual cash value (ACV) coverage, which deducts for age and wear

6. Flood Insurance (Optional but Recommended)

Standard mobile home insurance does not cover flood damage. If your home is in a flood zone or near water, consider purchasing separate flood insurance through:

• The National Flood Insurance Program (NFIP)

• A private flood insurer

Flood insurance protects your home’s structure and personal property from rising water damage.

7. Earthquake Insurance (Optional)

Most manufactured home insurance policies exclude earthquake damage. If you live in a seismic zone, adding earthquake coverage can protect you from:

• Structural damage

• Cracked walls or foundations

• Shifting or displacement from the home’s base

Final Thoughts

Manufactured home insurance is a vital safeguard against property loss, personal liability, and disaster-related displacement. Whether you live in your mobile home full-time or seasonally, the right insurance coverage helps you stay financially protected.

✅ At a minimum, consider:

• Dwelling and personal property coverage

• Liability protection

• Additional living expenses coverage

✅ Depending on your location:

• Add flood or earthquake insurance

• Choose replacement cost coverage over ACV for better protection