What Does Mobile Home Insurance Cover? Hidden Gaps You Should Know
- Nate Jones, CPCU, ARM, CLCS, AU
- Dec 31, 2025
- 2 min read
Mobile home insurance protects your manufactured home, belongings, and liability, but many owners don’t realize there are coverage gaps that can leave them exposed. Whether you’re a new mobile home owner or have owned one for years, understanding what is—and isn’t—covered is crucial to avoid costly surprises.
This guide explains typical coverage, hidden gaps, and how to ensure your mobile home insurance provides the protection you need.
Standard Coverage in Mobile Home Insurance
A typical mobile home insurance policy (also called an MH policy) generally includes:
1. Dwelling Coverage
Protects the physical structure of your mobile home against covered perils like fire, windstorms, hail, and vandalism.
2. Personal Property Coverage
Covers belongings such as furniture, electronics, clothing, and appliances if they are damaged or stolen.
Provides financial protection if someone is injured on your property or if you accidentally damage someone else’s property.
4. Additional Living Expenses (ALE)
Pays for temporary housing and related costs if your mobile home becomes uninhabitable due to a covered event.
5. Other Structures Coverage
Covers detached structures such as sheds, decks, and garages on your property.
For more details on standard coverage, visit the Insurance Information Institute.
Hidden Coverage Gaps You Should Know
Even with standard policies, mobile home insurance often doesn’t automatically cover certain risks. Awareness of these gaps can save you from unexpected costs:
1. Flood Damage
Most mobile home policies do not cover flood damage. If you live in a flood-prone area, you may need a separate FEMA-backed flood insurance policy.
2. Earthquake Damage
Earthquakes and ground movements are usually excluded. Adding earthquake coverage as an endorsement can provide protection in high-risk areas.
3. High-Value Items
Jewelry, collectibles, or expensive electronics may have limited coverage. Consider a scheduled personal property endorsement for high-value items.
4. Wear and Tear or Maintenance Issues
Insurance typically does not cover damage caused by neglect or poor maintenance, such as leaks, mold, or structural decay.
5. Windstorm or Hurricane Exclusions
Some coastal policies may exclude windstorm or hurricane damage unless additional coverage is purchased.
How to Close Coverage Gaps
To ensure comprehensive protection:
Review Your Policy Annually – Make sure limits and endorsements meet your needs.
Add Optional Endorsements – Include flood, earthquake, high-value items, or hurricane coverage where necessary.
Consult with an Experienced Insurance Provider – A knowledgeable agent can help tailor coverage.
Wexford Insurance specializes in helping mobile home owners identify gaps, select coverage options, and protect their homes and belongings.
Conclusion
Understanding what mobile home insurance covers—and what it doesn’t—is critical for avoiding financial surprises. Standard coverage provides protection for your home, personal belongings, liability, and temporary living expenses, but hidden gaps such as flood, earthquake, or high-value item exclusions can leave you exposed.
By reviewing your policy, adding endorsements as needed, and working with an experienced provider like Wexford Insurance, you can ensure your mobile home is fully protected and enjoy peace of mind.
Contact us today.
