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How Much Does Mobile Home Insurance Cost?

How Much Does Mobile Home Insurance Cost?


Are you looking to insure your mobile home against possible damages? If you’re in need of an insurance policy that will adequately cover a mobile home, manufactured home, modular home, or park model home, you won’t want to just purchase a standard homeowners’ policy—you’ll want specialty coverage that accounts for your home’s unique needs. One of the questions you’re most likely to have, of course, is how much you should expect to pay for coverage. The price tag attached to mobile home insurance differs depending on a number of factors. These are some of the questions you’ll need to consider:

How much coverage do you need?

In order to purchase a comprehensive manufactured home insurance policy, you’ll need to make sure that you are taking all of your home’s property into account. That means not just your home itself, but also any decks, porches, or other attachments, as well as fences and other non-attached property. You may also want to consider obtaining coverage for major appliances, such as your stove, refrigerator, and washing machine, and even personal belongings, such as your clothes.

How will you value your property?

There are several different ways to assess the total value of your property for insurance purposes. You can use the likely replacement cost of your mobile home and the rest of your property, which guarantees that you can be reimbursed for the cost in the event that they become unusable as a result of covered damage. Alternatively, you can use your property’s actual cash value, which takes depreciation into account. You can also use the stated value, which is a value that you and your insurance provider agree upon that may not be identical to your property’s replacement cost or actual cash value. This can allow you to obtain a favorable modular home insurance quote that will not require a high premium.

Where is your mobile home located?

Finding affordable mobile home insurance or park model insurance in some areas can be difficult because differing degrees of risk means that premiums are higher in some parts of the country than in others. For example, if your mobile home is in a region that experiences frequent tornadoes, your home may be more vulnerable to damage than if you lived in a region with no significant natural disasters. In addition, areas that experience high levels of crime may have higher insurance premiums. Homeowners who reside in rural areas may also need to pay higher premiums.

Is your insurer a specialty carrier?

If you are looking for coverage for a specific type of home, such as a mobile home, you will want to find a specialty carrier that focuses on those types of homes. In many cases, this means that the largest and best-known insurance providers will not be the best fit. Instead, you’ll want to take the time to find a specialized manufactured home insurance carrier who will be able to provide you with the most comprehensive coverage at the most affordable rate.

If you’re in the market for a mobile home insurance policy, you may be wondering where you should begin. At National Mobile Home Insurance Company, we’re here to make the process as simple and straightforward as possible. Unlike a lot of big-name insurance companies, we spend 100% of our time working with mobile, manufactured, and park model homeowners. If you’d like to learn more about how we can help you find the right policy, call 1-800-388-6780 today.


National Producer #: 18417525  |  Arizona License # 3000102138  |  1-800-388-6780
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National Mobile Home Insurance is an Arizona domiciled insurance agency (License #: 3000102138) offering personal lines insurance products to owners of mobile and manufactured homes in AL, AZ, AR, CA, CO, CT, DE, GA, ID, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, & WY. National Mobile Home Insurance is a trade name of NMHIC Corp. In the State of California (License #: 6001537) we operate as an insurance agency under the trade name NMH Insurance Agency. In MO, MT, PA, & UT we operate as an insurance agency under the trade name National Mobile Home Insurance Agency.

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