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Who Has the Best Mobile Home Insurance?

Who Has the Best Mobile Home Insurance?


Every homeowner needs the right insurance policy, and mobile homeowners are no exception! If you’re the proud owner of a mobile home, modular home, manufactured home, or Park Model Home, you may have had some trouble finding a policy that is appropriate for your needs. So, how can you find the right manufactured home insurance policy? There’s no simple answer—after all, every homeowner’s situation is different. Here are a few tips to help you find the best mobile home insurance policy to fit your needs.

Look for a specialty carrier.

When you’re looking at different home insurance providers, you may notice that most of them do not specialize in mobile home insurance—which means that the policies they would provide to you would not be tailored to the needs of mobile homeowners. In most cases, specialty carriers that focused on mobile and manufactured home insurance are going to provide the best policies.

Consider the age and location of your home.

The specific nature of your mobile or manufactured home should also be taken into account. If you own an older home, it may be more challenging for you to find a mobile home insurance provider that will give you a fair policy. You also need to consider your home’s location. If you live in an area that is vulnerable to natural disasters, such as flooding or severe storms, you’ll need to find an insurance policy that can account for your needs.

Don’t forget to check the provider’s rating.

The purpose of buying manufactured home insurance is to make sure that you are covered in the event of a loss, so it’s important to understand how any claims you make will be processed and settled. Insurance providers that work with specialized mobile home adjusters and contractors will be able to provide a claims process that won’t add to your stress and worries during an already difficult time.

Understand how claims will be settled.

Where you live will influence this decision greatly. If you live in an area that gets lots of extreme, wet weather, it’s probably a good idea to get a separate flood policy and protect against water damage. In fact, your mortgage lender might require you to do so. Flood insurance is sometimes included in your manufactured home insurance policy, but not always. It’s always a good idea to review this with your agent.

National Mobile Home Insurance Company works to provide mobile homeowners with the best insurance policies at the best possible cost. As long-time veterans of the housing and insurance industry, we recognized that the current market wasn’t meeting the needs of mobile homeowners, and we set out to provide a solution. If you have any questions about our mobile home insurance options, get in touch with us today by calling 1-800-388-6780.


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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