Your Guide to Mobile Home Insurance

Apr 16, 2018 1 min read

Home takes many forms, but one thing remains the same: You want it to be protected. The coverage for mobile homes is similar to a homeowners insurance policy, but there are some differences. Here’s what you need to know.

What Is a Mobile Home?

First of all, you have to be sure you’re using the correct terminology when shopping for an insurance policy! The terms “mobile home” and “manufactured home” are often used interchangeably, but according to the U.S. Department of Housing and Urban Development (HUD), if a factory-built home is constructed before June 15, 1976, it is considered a mobile home. Those constructed after this date are technically called manufactured homes.

Mobile or manufactured homes aren’t the same thing as a “modular home.” While there are similarities, modular homes are typically built on crawlspaces or basements, and are delivered to the property in two or more pieces (as opposed to being delivered already set up, like a mobile or manufactured home).

Also, because a mobile home can be moved, they often require a tag with renewal each year, similar to a vehicle.

Can You Get Homeowners Insurance on a Mobile Home?

You will most likely have to purchase mobile home insurance, but the coverages can be very similar. When purchasing insurance for a mobile home, you may want to consider:

Replacement Cost Coverage

Pays for a new mobile home of similar style and cost if your newer (typically less than five years old) mobile home is destroyed by a covered loss. You’ll need separate coverage for your detached garage.

Personal Property Insurance

Valuables like cameras, jewelry, and electronics may not be covered or special limits may apply. You may need to review if any additional coverage is needed.

Umbrella Insurance

If someone gets hurt on your property, are you protected? With an umbrella policy, you can be.

Residential Equipment Breakdown Coverage

This coverage can protect your home systems in the event they break down. This includes furnaces, air conditioners, hot water heaters and other appliances

Mobile Home Coverage Built for You

Farm Bureau can help you protect the things that matter most, whether it’s your home, your family or your future. Schedule a SuperCheck with your local Farm Bureau agent today to learn how we can help create a plan that’s right for you!

Want to learn more?

Contact a local FBFS agent or advisor for answers personalized to you.