Understanding the Differences Between Mobile Home and Homeowner Insurance

mobile home coverages

Mobile homes are an affordable housing option for many people. However, they require special consideration with regard to insurance coverage. When researching mobile home coverages, you will find that it differs from a traditional homeowner policy in several ways. Understanding those differences will help you choose the right policy for your needs.

Liability Coverage

If someone is hurt on your property or within your home, liability coverage protects your assets. This is similar to the coverage provided ina standard homeowner policy.

Physical Damages

A mobile home poses increased risks of several types of losses. Theft, wind/storm damage, and freezing pipes are just a few examples. At the same time, the value of a mobile home decreases rapidly once it is purchased and put in place. Establish a fair replacement value upfront to ensure that your trailer can be repaired or replaced.


In most cases, flood damage will not be covered, so you should look at a specialty policy if you are in a flood zone. This applies to both a traditional homeowner and a mobile home policy.

Choose the Right Coverage for Your Home

There are a few things you can do to help choose the right coverage. Start by taking the time to assess your needs and the risks that are prevalent where your home is located. You should also work with an agent that is familiar with mobile home coverage options.