Can You Insure an Older Mobile Home? What to Know Before You Buy or Renew
- Nate Jones, CPCU, ARM, CLCS, AU
- Dec 31, 2025
- 2 min read
Owning an older mobile home can be affordable, but insuring one can present unique challenges. Many buyers and long-time owners ask: “Can I get insurance for an older manufactured home, and what coverage will it include?”
The answer is yes—older mobile homes can be insured—but premiums, coverage limits, and policy types often depend on the home’s age, condition, and location.
Understanding your options before buying or renewing is essential to protect your investment and comply with lender or mobile home park requirements.
Age and Condition Matter
Insurance providers evaluate:
Year of Manufacture: Policies may have minimum age limits for full replacement cost coverage.
Structural Integrity: Roof, siding, plumbing, and electrical systems must meet safety standards.
Maintenance: Homes that are well-maintained are more likely to qualify for comprehensive coverage.
Older homes may be offered Actual Cash Value (ACV) coverage, which factors in depreciation, instead of Replacement Cost Value (RCV).
Coverage for Older Mobile Homes
A standard mobile home insurance policy generally includes:
Dwelling Coverage: Protects the structure from fire, wind, hail, or lightning.
Personal Property: Covers furniture, appliances, clothing, and electronics.
Liability: Protects against injuries to guests or damage to other property.
Additional Living Expenses (ALE): Pays for temporary housing if your home becomes uninhabitable.
Optional endorsements may include flood insurance, windstorm coverage, or enhanced liability limits.
Challenges Specific to Older Homes
Limited Replacement Cost Coverage: Some insurers may not offer RCV for homes beyond a certain age.
Higher Premiums: Older homes can cost more to insure due to greater risk of damage or repairs.
Inspection Requirements: Some insurers require home inspections before approving coverage.
Tips for Insuring an Older Mobile Home
Maintain your home: Regular roof, siding, and system maintenance can lower premiums.
Consider ACV vs. RCV: Evaluate whether depreciation-based coverage or full replacement cost coverage makes sense.
Check lender and park requirements: Compliance with insurance requirements ensures financing or residency isn’t jeopardized.
Work with experienced insurers: A knowledgeable provider can tailor a policy to your older home’s needs.
Wexford Insurance specializes in protecting older mobile homes, ensuring owners meet requirements while getting the best coverage.
Conclusion
Yes, you can insure an older mobile home, but coverage and costs vary depending on age, condition, and location. By understanding your options, maintaining your home, and working with an experienced provider like Wexford Insurance, you can protect your home and belongings without overpaying for premiums.
Contact us today.