Summary of mobile home insurance
Allstate® mobile home insurance is designed to give you peace of mind. Coverage can include damage to your home from fire, wind, or hail, along with liability protection and guest medical coverage. You can also add personal property coverage to protect what’s inside. With savings opportunities, online account management, and dependable claims support, Allstate makes protecting your home affordable and straightforward.
Why do I need mobile home insurance?
Replacing or repairing damages caused by certain risks or perils to your mobile or manufactured home can be hard to recover from. It can also help cover liability for damage to property of others and for bodily injury to others. Mobile home insurance gives you peace of mind knowing that you’re protected from unexpected costs after a qualifying event.
What does mobile home insurance cover?
Standard coverage
Here's what's typically included in a manufactured or mobile home policy.
- Dwelling coverage
Covers the physical structure of your home, like the walls and roof - Personal property
Covers the belongings inside your home, like furniture and stereos, even if they're damaged or stolen outside of the house - Other structures
Covers the physical structure of buildings on your property that are separate from your home, like a garage
- Guest medical protection
Covers the cost of medical expenses for a person who's injured on your property - Liability protection
Defends and covers you if someone sues or files a claim against you after being injured on your property or you damage someone else's property
For more specific instances, manufactured and mobile home policies provide coverage after qualifying events such as:
- Fires
- Wind and hail damage
- Water damage (excludes floods and water backage from sewers or drains)
- Theft
- Guest injury lawsuits or claims
Optional coverage
When it comes to protecting your mobile or manufactured home, standard Allstate insurance may not quite cover all the things you value. Here are a few examples of optional coverages you can add to a policy.
- Scheduled personal property
Covers valuable appraised items like engagement rings or antiques. - 30 Day collision coverage
Temporary coverage for collision losses while your home is being transported to another location, such as during a move.
To see other coverages, visit the homeowners optional coverages page for a full list of options.
How much does mobile home insurance cost?
There are a few factors that determine the cost of your mobile home insurance, including the location of your home and the amount of coverage you want. Other factors include:
- Weather patterns of your state
- Age of your home
- Value of your possessions
- Whether you rent or own your home
Please note that premiums for mobile or manufactured homes may cost more than typical homeowners insurance policies as mobile homes are more susceptible to risks like fire and wind damage.
Get discounts on your mobile home insurance policy
Here are a few ways you could save as a homeowner.
- Original owner discount
Save even more if you're the original titleholder of your mobile or manufactured home. - Multi-policy discount
Save when you purchase multiple policies with Allstate. - Protective device discount
Save when your home has theft or fire protection devices. - 55 and retired discount
Save if you're over 55 and retired. - Claim-free discount
Save when you switch to Allstate without a recent home insurance claim.
For a full list of discounts, take a look at our homeowners discounts page for more ways to save.
Mobile home insurance FAQs
Mobile home insurance is generally not required by law. However, there are some instances where it would be.
- Financing a mobile home
If you're financing your mobile home, your mortgage lender may require proof of insurance. - Mobile home communities
Some mobile home communities may require its residents to carry a mobile home insurance policy.
Overall, coverages for mobile and manufactured home insurance are similar to traditional homeowners policies. Both provide coverage for damage to the dwelling, personal property, medical payments to others, and liability for bodily injury and property damage.
However, there are some coverage options that are unique to each type of policy. For example, 30-Day Trip Collision is an optional coverage for a manufactured home which provides temporary coverage for collision losses while your home is transported to another location. Additionally, there may also be different coverage limits within each type of policy.
Talk to your agent if you have any questions on what’s covered under a mobile or manufactured home policy.
Most mobile home insurance policies do not cover flood damage. You would need to purchase a separate policy.
Most mobile home insurance policies do not cover earthquake damage. You would need to purchase a separate policy.
Why do I need mobile home insurance?
Replacing or repairing damages caused by certain risks or perils to your mobile or manufactured home can be hard to recover from. It can also help cover liability for damage to property of others and for bodily injury to others. Mobile home insurance gives you peace of mind knowing that you’re protected from unexpected costs after a qualifying event.