Do I Need Mobile Home Insurance? The Complete Guide for New and Current Owners
- Nate Jones, CPCU, ARM, CLCS, AU
- Dec 31, 2025
- 3 min read
Mobile homes—also known as manufactured homes—offer an affordable path to homeownership, but they come with unique risks that many owners overlook. Whether you’re purchasing a new mobile home, living in one you’ve owned for years, or renting space in a mobile home park, a common question arises: Do I really need mobile home insurance?
The short answer is yes, in most cases, mobile home insurance is essential. It protects your home, personal belongings, and finances from unexpected events such as storms, fires, theft, and liability claims. This guide explains when mobile home insurance is required, what it covers, and why it’s a smart investment for both new and current owners.
Is Mobile Home Insurance Required?
Mobile home insurance may be required depending on your situation:
If you have a loan or mortgage, lenders typically require insurance to protect their investment.
If your home is in a mobile home park, the park owner may require proof of insurance.
If you own your home outright, insurance may not be legally required—but it’s still strongly recommended.
Unlike traditional homeowners insurance, mobile homes face higher exposure to wind damage, fire, and transportation-related risks, making coverage especially important.
What Does Mobile Home Insurance Cover?
Dwelling Coverage
Protects the structure of your mobile or manufactured home from covered perils like fire, windstorms, hail, and vandalism.
Personal Property Coverage
Covers your belongings, including furniture, clothing, appliances, and electronics.
Provides coverage if someone is injured on your property and you’re found legally responsible.
Additional Living Expenses (ALE)
Helps pay for temporary housing if your home becomes uninhabitable due to a covered loss.
According to the Insurance Information Institute, mobile home policies are specifically designed to address risks unique to manufactured housing.
How Mobile Home Insurance Differs from Homeowners Insurance
Mobile home insurance is not the same as standard homeowners insurance. Key differences include:
Policies are designed for factory-built homes, not site-built homes
Coverage accounts for transportation and setup risks
Replacement cost options may differ based on age and condition
Using the correct policy ensures you’re not underinsured or denied claims due to improper coverage.
Risks of Going Without Mobile Home Insurance
Without insurance, mobile home owners may face significant financial losses from:
Severe weather events such as windstorms or hail
Fires caused by electrical or heating systems
Theft or vandalism
Liability lawsuits from visitor injuries
Even a single incident can result in costs far exceeding the price of annual insurance coverage.
Who Especially Needs Mobile Home Insurance?
Mobile home insurance is especially important for:
First-time manufactured home buyers
Owners in storm-prone or high-wind regions
Retirees using mobile homes as primary residences
Owners who rent out mobile homes
Homes located in mobile home parks
Having coverage ensures long-term financial security and peace of mind.
How to Choose the Right Mobile Home Insurance Policy
When selecting coverage, consider:
The age, size, and location of your home
Whether replacement cost or actual cash value coverage is best
Optional endorsements for flood, earthquake, or wind coverage
Adequate liability limits to protect your assets
Working with an experienced insurance provider ensures your policy fits your specific needs.
Conclusion
While mobile home insurance may not always be legally required, it is almost always financially necessary. From protecting your home and belongings to shielding you from liability risks, the right policy safeguards your investment and your future.
Whether you’re a new buyer or a long-time owner, Wexford Insurance can help you find tailored mobile home coverage that fits your home, location, and budget.
Contact us today.