Manufactured and mobile home insurance coverage
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Standard manufactured and mobile home insurance
What does a standard manufactured and mobile home insurance policy cover?
What are manufactured and mobile homes?
Manufactured and mobile homes are not constructed on property. Instead, they’re built in a factory and transported to the homeowner’s land. While they must receive FHA certification, they’re much less expensive than site-built homes, often not even requiring a foundation.
Standard manufactured and mobile home insurance coverages
Coverage for your manufactured or mobile home
Coverage for other structures
Coverage for your belongings
Coverage for living expenses
Coverage when accidents happen
Discounts for your manufactured or mobile home policy
American Family Insurance offers several ways for customers to save money on their manufactured and mobile home insurance premiums. These include:
- AutoPay. Setting up your account to automatically pay bills is both convenient and rewarding.
- Full Pay. When you pay for the entire policy term at once, you pay less overall, thanks to a one-time discount.
- Home and auto bundles. You may save up to 23% if you purchase auto insurance in addition to your manufactured and mobile home insurance.*
- New home. Homes that are less than four years old may qualify for an additional discount.
- Paperless Billing. Save trees and money by receiving all your statements in electronic form.
- Smart Home. Better rates may be available for those who upgrade their home security system with smart devices.
Consult an agent to learn more about all your options for discounts on this insurance.
Manufactured and mobile home insurance add-ons
Steps to insure your mobile or manufactured home
Insuring your home may offer much-needed protection in the event of an unforeseen disaster. Getting it is as easy as taking the following steps:
Request a quote
It’s quick and free, and it requires no commitment. Have the following information handy:
- Address
- The age of your home
- Foundation type
- Type of home
- Whether you already have homeowners insurance
- Whether your home uses solid fuel heating
Select coverage options
You can choose to get manufactured and mobile home insurance as it is, but add-ons are available. The added protections may be worth the extra cost.
Talk with an agent
Your insurance agent wants the same thing you want: to build the best policy for your specific needs. Go over your policy details together and finalize it. After that, you’re insured.
Frequently asked questions
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This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.
*Customers who bundle an auto policy with their home policy may save up to 23% on their auto policy (as of December 2023). Discounts may vary by state, property, policy form and company underwriting the policy. Discounts may not apply to all coverages on an auto policy.
**Equipment Breakdown coverage provides protection should appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems sudden breakdown. Does not provide coverage for breakdown caused by normal wear and tear. Coverage applies once a $500 deductible has been met.
***Hidden Water Damage coverage is an optional coverage. May not be available in all states. Some restrictions apply to seasonal homes and manufactured homes. The leak must occur from within a plumbing, heating, A/C, fire sprinkler or a home appliance. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Mold damage limited to coverage limits provided by your homeowners policy.
†Sump pump and water backup coverage won’t cover things like flooding from a river rising nearby or rain leaking in through the foundation and causing damage. Talk to your insurance agent to best understand the limitations of this type of coverage and understand if it’s right for you. Coverage provided once policy deductible has been paid and only up to your policy limits. Refer to your policy for specific coverage details and exclusions.
‡Diminishing Deductible does not apply to all property deductibles. Named storm deductible applies only to GA. Policy maximum limits are $1000 for homeowners and $500 for renters, condo and manufactured homeowner policyholders. This coverage is not available in MN at this time.
§Manufactured Housing and Standards – Frequently Asked Questions, U.S. Department of Housing and Urban Development, https://www.hud.gov/program_offices/housing/mhs/faqs, (last visited January 23, 2025)