3 min read
Do You Need to Update Your Homeowners Insurance After a Renovation?
Quick Answer: Yes. Renovations raise your home's rebuild cost, so you should update your dwelling coverage after an...
PERSONAL INSURANCE
Mobile & Manufactured Home Insurance
Independent mobile and manufactured home insurance for Illinois homeowners. We place coverage with specialists like American Modern and Foremost to protect your home, belongings, and liability for less.
Get My Quote Call 833-776-4671- Personal Insurance
- Mobile Home Insurance
40+ States Served5-Star Google ReviewsIndependent Broker$0 Broker Fees
Quick Answer: Mobile and manufactured home insurance covers your home’s structure, your personal belongings, personal liability, and additional living expenses, similar to a standard homeowners policy but built for manufactured housing. It covers fire, wind, theft, and more. Most policies run about $400 to $1,500 a year depending on the home’s age, location, and value. We place these with specialists like American Modern and Foremost.
Placed With Manufactured-Home Specialists
Standard homeowners carriers often will not insure a mobile or manufactured home, so it pays to work with a broker who has the right markets. We place these policies with specialists like American Modern and Foremost, carriers that understand manufactured housing and can offer replacement-cost options many standard insurers will not.
What Mobile Home Insurance Covers
Dwelling / Structure
Rebuilds or repairs your manufactured home after a covered loss like fire, wind, or storm.
Personal Property
Your furniture, electronics, and belongings, on a replacement-cost basis when available.
Personal Liability
Protects you if someone is injured on your property or you cause damage to others.
Loss of Use
Pays for temporary housing and extra costs if your home becomes unlivable.
Other Structures
Sheds, decks, carports, and skirting attached to or near your home.
Optional Coverages
Replacement cost on older homes and trip-collision coverage if the home is transported.
What Mobile Home Insurance Costs
| Home profile | Typical annual premium |
|---|---|
| Newer manufactured home, good condition | $400 to $700 |
| Average-age home, standard coverage | $700 to $1,100 |
| Older home or higher-risk area | $1,100 to $1,500+ |
Estimates only; your rate depends on the home’s age, value, location, roof, and claims history. A producer confirms your premium.
How It Differs From Standard Homeowners
Manufactured and mobile homes are built and rated differently from site-built houses, so they need a policy designed for them, not a standard homeowners form. The big differences are how the structure is valued, the wind and tie-down requirements, and which carriers will write the risk. We match your home to a specialist carrier and confirm whether you qualify for replacement cost, which matters most on older homes. Pairing it with an umbrella policy adds extra liability protection.
What Our Clients Say
Mobile Home Insurance FAQ
What does mobile home insurance cover?
Your home’s structure, personal belongings, personal liability, loss of use, and other structures, against fire, wind, theft, and more, similar to homeowners but built for manufactured housing.
Is mobile home insurance required?
Not by state law, but lenders and most mobile home parks require proof of coverage. Even when optional, it protects your home and belongings from losses you could not easily replace.
How much is mobile home insurance?
Most policies run about $400 to $1,500 a year, depending on the home’s age, value, location, and condition. Newer homes cost less; older homes and higher-risk areas cost more.
Can I get replacement cost on an older mobile home?
Sometimes, through specialist carriers like American Modern and Foremost. Many standard insurers only offer actual cash value on older homes, so working with the right market matters.
Does mobile home insurance cover wind and tornado damage?
Yes. Standard manufactured-home policies cover sudden wind and tornado damage. Proper tie-downs and anchoring can also improve your eligibility and rate.
Protect Your Manufactured Home for Less
We place mobile and manufactured home coverage with the right specialist carriers at the best price. No agency fees, ever.
Get My QuoteDR
Reviewed by Dave Rysavy, Personal Lines Advisor
Dave helps Illinois manufactured-home owners get the right coverage through specialists like American Modern and Foremost.
3 min read
How Much Is Homeowners Insurance in Illinois in 2026?
Dave Rysavy: Mar 4, 2026
Quick Answer: Most Illinois homeowners pay roughly $2,200 to $3,400 a year for homeowners insurance in 2026, and the...
3 min read
How Homeowners Insurance Works With Your Mortgage and Escrow
Dave Rysavy: Feb 9, 2026
Quick Answer: If you have a mortgage, your lender requires home insurance and usually pays it through an escrow...