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What Mobile Homeowners Need to Know About Insurance?

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Like any other home, a mobile home can be damaged or destroyed by fire, wind, hail, or other disasters. And, if you have a mortgage on your mobile home, your lender will likely require you to have insurance. 

Continue reading to need to know about mobile home insurance!

What Is Mobile Home Insurance?

Mobile home insurance is a policy that provides financial protection against physical damage or loss to a mobile home. However, it only covers the dwelling itself, not the land it’s on. You may need to get separate insurance policies for the land your mobile home is on and the house itself.

Mobile homeowners must understand the types of coverage available, how to acquire coverage, and what to do if they have a claim.

How Does a Mobile Home Differ from a Manufactured Home and a Modular Home?

A mobile house is a structure made in a factory and built on a permanent frame so that it is portable and may be transferred from one location to another.

A manufactured home is a sort of prefabricated dwelling created in a factory and then delivered to its final location. “Manufactured home” refers to single-family and multi-family homes (made in factories and shipped to their sites).

A modular home is a prefabricated housing with built-in modules or sections that are then transported to the site where it will be occupied. These are comparable to manufactured homes but are often more expensive because they are custom-built.

What Types of Mobile Insurance Coverage Are Available?

1. Property Damage Coverage

This coverage will protect your mobile home from any damage caused by fire, wind, hail, or lightning. It will also cover any damage caused by vehicles or falling trees. 

It is critical to analyze the different options to choose the policy that best matches your needs. Consider the type and amount of coverage you require and the deductibles and premiums.

2. Personal Liability Coverage 

Personal liability insurance protects against claims arising from injuries or damage caused by the policyholder. It can also protect against claims arising from defamation, false arrest, and invasion of privacy.

How to Get Insurance for a Mobile Home?

There are a few different ways to get insurance for a mobile home. The most common way is to purchase a policy from a private insurer. You can also look online for companies that offer mobile home insurance.

Once you find a few potential companies, you can compare their rates and coverage options to find the best one for your needs.

What to Do If They Have a Claim?

If your home is damaged, you should file a claim with your insurance company as soon as possible. Insurance companies have different processes for filing claims, so it is essential to know your company’s specific process. 

Generally, you will need to submit a written claim form and supporting documentation, such as photos or receipts. The insurance company will then investigate the claim to decide whether or not the damages will be covered. If the insurance company denies your claim, you may be able to appeal the decision.


As you can see, there are a few things to consider when purchasing mobile home insurance. Make sure you shop around and compare rates from different companies before deciding. Researching can get the best coverage possible for your mobile home.

Bassine Insurance is a mobile home insurance agency in Fort Myers Beach, Florida. They offer insurance services for mobile homes, manufactured homes, and other residences. Contact us now to request a quote!

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