Mobile Home Insurance Quotes
Protect your mobile home—whether it's a trailer, park model, or cabin—with coverage tailored to your lifestyle. After helping a friend secure coverage during hurricane season, I realized how critical it is to compare multiple quotes quickly. Use our ZIP-code tool for fast, affordable estimates from top insurers—no lengthy forms or hidden fees.
Mobile homes require specialized protection for both the structure and personal belongings inside. Whether it's your full-time residence or a seasonal retreat, compare instant rates now and choose coverage that keeps you worry-free.
Getting ZIP-Code Quotes
Enter your ZIP code below to retrieve personalized mobile home insurance live estimates—absolutely free and without obligation.
Get Your Mobile Home Quote
Compare quotes from leading mobile home insurers in seconds.
Why Mobile Home Coverage Matters
Mobile homes face a different risk profile than standard houses, so the right policy needs to match how and where you live—wind exposure, tie-down systems, nearby trees, and even whether the home is used year-round or seasonally can change what you need. A well-built plan helps you avoid surprise out-of-pocket costs by covering both the structure and the everyday items that make the home livable, while also protecting you if an accident happens on your property.
- Structural Protection: Covers damage to the frame, skirting, and built-in components caused by storms, fire, or vandalism.
- Contents Coverage: Insures furniture, appliances, and personal items—even those stored in sheds or carports.
- Liability Guard: Protects you if a guest is injured on your property or you accidentally damage someone else’s belongings.
- Vacation & Rental: Optional add-ons for short-term rentals and seasonal use—perfect for holiday trailers.
Industry Insights for 2026
As of 2026, tens of millions of Americans live in manufactured homes, and the segment continues to expand as affordability and build quality improve. Over the last decade, HUD-code home demand has shown strong upward momentum, especially in fast-growing and high-cost housing markets.
Recent shipment trends remain elevated compared with the mid-2010s, with much of the growth concentrated in the South Atlantic and West South Central regions. For shoppers, this matters because more inventory and newer builds often translate into different coverage needs—updated materials, tie-down standards, and modern safety features can all affect pricing and policy options.
If you want a quick reference for how a well-documented claim typically moves from first notice of loss to settlement (including what to prepare and what to avoid), use this step-by-step walkthrough: Allstate claim filing guide online.
How It Works
Step 1: Enter your ZIP code and basic home details—such as model type, year built, and any upgrades—to generate accurate quotes calibrated to your location.
Step 2: Browse side-by-side rates from carriers specializing in mobile home coverage. Add optional coverages like flood protection or personal liability as needed.
Step 3: Select the plan that fits your budget and complete your purchase online—fast, secure, and often with same-day policy issuance.
Next Steps
Don’t overpay for coverage. Enter your ZIP code above to see personalized mobile home insurance quotes—no cost, no commitments. If you prefer to research first, visit our ratings page to review carrier reliability and customer service scores.
For a budget-friendly alternative, consider a mobile home quote from The General. Their non-standard driver programs often yield competitive rates for owners with unique profiles.
FAQ – Mobile Home Insurance Quotes
How much does mobile home insurance cost?
Premiums vary by ZIP code, home age, and coverage level. On average, policies start around $300/year for basic protection.
Can I bundle mobile home and auto insurance?
Yes—many insurers offer multi-policy discounts when you combine mobile home and auto coverage under one company.
What affects my quote the most?
Key factors include location risk (weather, crime), home value, age, and your claims history. Enter accurate details for the best rates.