Guide to Obtaining Mobile Home Insurance

Protecting your mobile home is just as important as protecting a standard house, business or auto.  The beauty of mobile home insurance is that it you can protect your home while it is being moved to another location and while it is stationary. Insuring your mobile home is as easy as insuring your car or standard home, however it is important to know the basics of mobile home insurance.

Basic Information Needed to Acquire Insurance

Gather the required information needed to obtain mobile home insurance. You will need to know the year, make, model, width, length and manufacturer serial number of the mobile home. The insurance company will also require some personal information, as your credit is taken into consideration by the underwriter. You will also have to provide the insurance company with the exact stationary location of the mobile home. This includes where it is parked and if it is located in a mobile home park or on private land

Comprehensive Coverage

Most mobile home insurances offer comprehensive coverage where the damage is sudden, direct and accidental.  For example:

• Fire, falling objects, floods related to bursting pipes, snow weight.


• Theft, burglary, vandalism.


• Normal Wear and Tear.


• Damage from wild animals.

Type of damage and allowable incidents covered depends entirely upon on the state in which the mobile home is parked and the insurance company's policy.

Additional Coverage

Many mobile home policies have add-ons to the basic or comprehensive policies.  Some include, but are not limited to the following:

• Increase in living expenses following destruction of mobile home.


• Liability for family and guests.


• Earthquake, tornado, lightning and other non-flood related natural disasters.


• Tree and shrub removal.


• Credit card and identity theft.


• Trip coverage.


• Damage or collision during relocation and setup.


• Emergency repair after disaster.


• Food spoilage due to disaster.

Exclusionary Items

• Major appliances, air conditioners and wall heating units have manufacturer extended warranty available. These items are not covered by your mobile home insurance.


• Intentional acts are also not covered.


• Flood.  The National FEMA Flood Insurance Program is available to consumers to cover flood damage.