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Mobile Home Insurance

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Mobile Home Insurance
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Mobile Home Insurance

Mobile Home Insurance

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Mobile Home Insurance is a specialized policy designed for the unique structural needs of manufactured and modular homes. Unlike a standard homeowner’s policy, which may not cover factory-built structures or their transit risks, this standalone protection secures your dwelling, personal belongings, and liability, whether you live in a park or on private land.

The “Risk Reality”: Why Standard Policies Fall Short

Many mobile home owners mistakenly believe a standard policy (or worse, no policy) is sufficient. The reality? Manufactured homes face distinct risks, wind damage and transit hazards, that standard policies often exclude. A basic “Actual Cash Value” policy only pays what your home is worth today (often far less than what you paid), leaving you unable to rebuild. However, modern homes built to HUD safety standards are highly resilient, making them eligible for specialized Replacement Cost coverage that protects your full investment.

Types of Homes We Insure


From single-wides in a community to double-wides on private acreage, every home has unique coverage requirements. We match your specific home type with carriers that understand factory-built housing.

Select your home type below to instantly start a custom quote built for your lifestyle.

Manufactured home icon

Manufactured Homes

The most common factory-built homes, requiring protection against rapid depreciation.

  • The Risk: "Actual Cash Value" settlements that pay pennies on the dollar for older homes.
  • The Fix: Replacement Cost Coverage to ensure you can afford a new home if yours is destroyed.
  • Best For: Single-wide and Double-wide homes built after June 15, 1976.
Tag icon Common TypesSingle-Wide, Double-Wide, Triple-Wide
Modular home icon

Modular Homes

Built to local codes but often misclassified. Get the standard homeowner benefits you deserve.

  • The Risk: Being insured as a "trailer" with lower limits instead of a permanent residence.
  • The Fix: Site-Built Style Policies that offer broader peril coverage and higher liability limits.
  • Best For: Factory-built homes assembled on a permanent foundation.
Tag icon Common BrandsClayton, Champion, Skyline
Seasonal home icon

Rental & Seasonal

Investment properties and vacation getaways face different threats than primary residences.

  • The Risk: Vandalism or burst pipes going unnoticed during long periods of vacancy.
  • The Fix: Comprehensive Landlord/Seasonal Coverage that explicitly covers non-owner occupied risks.
  • Best For: Park Models, Vacation Rentals, Tenant-Occupied Units.
Tag icon Common UsesAirbnb, Vacation Parks, Landlord Rentals

Mobile Home Insurance Coverage

We design policies that go beyond basic dwelling coverage to protect the unique lifestyle of mobile home living, including attached structures and transit risks.
What is Covered
Dwelling Coverage: Pays to repair or replace your home if damaged by fire, wind, hail, or lightning.
Other Structures: Covers detached garages, sheds, gazebos, and carports on your lot.
Personal Property: Protects your furniture, electronics, and clothes, even if they are stolen from your car.
Liability Protection: Pays legal fees and damages if someone is injured on your property or by your pets.
Loss of Use: Pays for hotel and food expenses if a covered claim forces you out of your home.
What is NOT Covered (Exclusions)
Floods & Earthquakes: Natural rising water and earth movement need separate endorsements or policies.
In Transit Damage: Unless you have "Trip Collision" heavily endorsed, moving your home is not covered.
Wear and Tear: General maintenance issues, rust, or rot are the owner's responsibility.

The "Dream" Difference: ACV vs. Replacement Cost

Most basic policies use "Actual Cash Value" (depreciated value). We shop carriers like Foremost and Nationwide to find Replacement Cost options that build you a new home, not just pay for an old one.
FeatureBasic "ACV" PolicyThe "Dream" Protection Plan
Settlement Type✖ Depreciated Value (ACV)✔ Replacement Cost
Trip/Move Coverage✖ Excluded✔ Available (Endorsement)
Attached Structures✖ Limited Limits✔ Comprehensive Limits
Water Backup✖ Often Excluded✔ Optional Coverage
  

Mobile Home Insurance Cost

"Is mobile home insurance expensive?" Rates are generally higher than standard homes per $1,000 of value due to higher wind risks, but specialized discounts can help.

Premium Estimates

Annual Cost$800 - $1,500 / year
Wind ZonesCoastal areas (Zone II/III) have higher premiums.

Key Factors

AgePre-1976 homes are harder/costlier to insure.
LocationParks often get discounts vs. private land.

The "Independent Difference": Why Dream Assurance?

Many standard carriers decline mobile homes entirely. At Dream Assurance Group, "Independent Means Access." We partner with the leaders in the manufactured housing market.
  • Specialty Markets: We access top carriers like Foremost, Nationwide, and Travelers who specialize in factory-built housing.
  • Old or New: Whether you have a brand new modular home or a pre-1976 classic mobile home, we have a market that can write it.
  • Claims Advocacy: We help you navigate specific claims issues like matching siding or total loss settlements to ensure a fair payout.

Coverage Guidance That Meets You Where You Are

Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.

If you're comparing insurance options or reassessing your current coverage, we'll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.

Licensed In 30+ States

Headquartered in Overland Park, KS, with licensed support across the Midwest, South, Northeast, and West.

  • AL, AZ, AR, CA, CO, DE, FL, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, MT, NE, NV
  • NJ, NM, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WI, MD, MA, & SD