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Mobile Home Insurance In Tennessee

A Comprehensive Guide to Costs and Key Considerations

Nestled within the heartland of America’s Southeast, Tennessee offers residents a combination of cultural wealth, scenic beauty, and historical significance. In recent years, mobile and manufactured homes have become an increasingly prominent fixture in the state’s housing market. Many Tennesseans are turning to these homes for their affordability and flexibility1. While these homes present numerous advantages, they also come with their own set of challenges, particularly when it comes to insurance.

With this guide, delve deep into understanding the intricacies of mobile home insurance in the Volunteer State, factors influencing costs, and the importance of comprehensive coverage.

Grasping Mobile Home Insurance in Tennessee

Mobile homes, despite their many conveniences, present unique risks and, as such, require specialized insurance. In Tennessee, this typically includes:

  • Property Damage: Catering to potential damages from Tennessee’s occasional tornadoes, storms, or other natural disasters.
  • Liability: Protection in case someone suffers injury on your property or there’s property damage due to various reasons.
  • Additional Living Expenses: Should your home become uninhabitable due to an insured event, this provides financial coverage for alternate arrangements.

Does Your Current Insurer Specialize In Manufactured Home Insurance?


Factors Influencing Mobile Home Insurance Premiums in Tennessee

Geographical Location

Tennessee, with its varied geography, sees insurance costs fluctuate based on several locational factors:

  • Urban vs Rural: Homes in bustling areas like Nashville may have different premium structures than those in more serene, rural regions.
  • Proximity to Water Bodies: Tennessee’s rivers, lakes, and floodplains can heighten flooding risks, affecting insurance costs.
  • Severe Weather Zones: Regions more prone to adverse weather events might come with steeper insurance premiums.

Environmental and Weather-Related Challenges

Tennessee’s diverse climate poses various challenges:

  • Tornadoes: Being part of the tornado alley, mobile homes in Tennessee need coverage against these whirlwinds2.
  • Rain & Flooding: Areas near the Mississippi River and other water bodies can face significant flood risks3.
  • Winter Surprises: Eastern Tennessee occasionally grapples with heavy snowfall and ice storms, which can be particularly harsh on mobile homes.
  • Wildfires: Dry seasons can raise the risk of wildfires, although not as predominant as some western states4.

Crime Rate Influence

Regions with higher crime rates can see elevated insurance premiums. Vandalism, theft, and other property crimes can be more prevalent in some areas, influencing insurers’ risk assessments.

Finding the Ideal Mobile Home Insurance in Tennessee

Evaluating Home Value and Age

A mobile home’s age can greatly influence its vulnerability to certain damages. While newer homes might boast modern materials resistant to specific damages, older structures might require additional coverage considerations.

Comprehensive Liability Coverage

Liability can arise from various scenarios – from a visitor slipping on your porch to a tree from your yard falling on a neighbor’s car. Evaluating your potential risks can guide your liability coverage decisions.

Personal Property and Asset Protection

Beyond the mobile home structure, consider assets inside your home. Tennessee’s stormy springs or icy winters could damage electronics, furniture, and other belongings. Ensuring adequate coverage for personal property is crucial.

Market Research

Differences in coverage details, customer service, and claim responsiveness can vary widely between providers. It’s essential to gather multiple quotes and read reviews to make an informed decision.

Does Your Current Insurer Specialize In Manufactured Home Insurance?


The Broader Picture: Mobile Homes in Tennessee

Tennessee’s mobile home trend aligns with a broader national movement towards affordable, flexible housing options. Factors contributing to this trend include:

  • Economic Factors: Mobile homes often present a more affordable housing solution compared to traditional homes, especially in regions where the real estate market is particularly tight.
  • Flexibility: For those who prioritize location flexibility, mobile homes provide an opportunity to move when desired.
  • Community Living: Many mobile home residents in Tennessee enjoy the sense of community within mobile home parks, with shared amenities and social events.


Mobile homes in Tennessee offer residents a unique blend of flexibility, affordability, and community living. However, this living style comes with its own set of challenges, especially concerning insurance. Ensuring comprehensive coverage tailored to Tennessee’s varied risks helps homeowners enjoy their choice without undue worries.


  1. U.S. Census Bureau. Housing Data by State
  2. National Weather Service. Tennessee Tornado Data
  3. Tennessee Emergency Management Agency. Flood Information
  4. Tennessee Division of Forestry. Wildfire Risks and Information


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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.