Insurance Cost Estimator
Average Manufactured Home Insurance Cost by State (2026)
What Makes MH Insurance Different from Standard Homeowners
Standard homeowners insurance (HO-3 policies) typically exclude manufactured homes. You need a "mobile home" policy — sometimes called an HO-7 policy — which is designed for the unique risks of factory-built housing. The key difference: manufactured homes on non-permanent foundations are treated as personal property, which affects how insurers calculate replacement cost.
Most manufactured home policies include dwelling coverage (the structure itself), personal property coverage (your belongings), liability coverage (if someone is injured on your property), and additional living expenses if the home becomes uninhabitable. What they often exclude by default: flood damage (requires a separate NFIP policy), earthquake damage, and "trip coverage" for moves.
If you live in a mobile home park and the park provides any structural coverage, confirm whether it's actual cash value (depreciated) or replacement cost coverage. Actual cash value policies can leave you dramatically underinsured on an older home.
Know Your Rights as a Park Resident
Read the Tenant Rights Guide →Frequently Asked Questions
Is manufactured home insurance required? +
No state requires it by law, but your lender almost certainly will if you have a mortgage or chattel loan. Most mobile home parks also require proof of insurance as a lease condition. Even without a requirement, going uninsured on a $90,000+ home is a significant financial risk.
Who insures manufactured homes? +
Major providers include American Modern, Foremost (part of Farmers), National General, and Progressive. Some state-run insurer-of-last-resort programs also cover manufactured homes in high-risk coastal markets. Always compare at least 3 quotes.
Does homeowner's insurance cover a mobile home? +
Standard HO-3 policies generally do not cover manufactured/mobile homes. You need a dedicated HO-7 (mobile home) policy. A few insurers write HO-3 endorsements for manufactured homes on permanent foundations — ask specifically.
How can I lower my manufactured home insurance premium? +
Key discounts: bundling with auto insurance (10–15%), tie-down/anchoring upgrades (5–10%), smoke detectors/security systems (3–5%), newer roof or storm shutters (5–12%), and raising your deductible from $500 to $1,000 (can cut premium 15–25%).