Mobile Home Insurance

Independent broker. We match coverage to your manufactured home, park requirements, and budget—without overselling.

🏘️Dwelling & adjacent structures 🧳Personal property 🛡️Personal liability
📘 What we broker

As your independent broker, we compare specialized policies for manufactured and mobile homes— including park-model requirements, tie-down certifications, and lender needs.

🧭 Common coverages
  • Dwelling (manufactured home) with stated or replacement cost options.
  • Adjacent structures (carports, awnings, sheds, skirting).
  • Personal property with optional replacement cost.
  • Loss of use (additional living expenses during repairs).
  • Personal liability and medical payments.
  • Optional: water backup, equipment breakdown, golf cart liability.
📏 Setting the right limits
  • Home year, make/model, length/width, and foundation/tie-downs.
  • Park rules, distance to hydrants, and required liability limits.
  • Inventory tips for personal property + scheduling high-value items.
🏗️ Stated value vs. replacement cost?

Stated value pays up to a set amount (often tied to market/age). Replacement cost aims to repair or replace without depreciation if available for your home’s year/model. We’ll quote both when possible.

🌀 Wind/hail or named-storm deductibles?

Some carriers use separate deductibles by peril or percentage. We’ll flag these and tune them to your risk tolerance and budget.

🌊 Is flood included?

Standard policies don’t include flood. If needed, we’ll source separate flood insurance and coordinate limits.

Ready for a side-by-side mobile home quote?

Share basics (year/make, dimensions, tie-downs, park requirements). We’ll compare multiple carriers for you.

Discuss mobile home insurance