Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from S...

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Reviewed by D. Gilson, PhD
Professor & Published Author

UPDATED: Feb 11, 2021

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If you have a mobile home, you need to have insurance, and the best way to make sure that you are getting the best deals is to make sure you get plenty of mobile home insurance quotes. After all, just because you need something it doesn’t mean that you have to pay a high premium for it. No matter what type of home you own, you need to have insurance. At one time, shopping for insurance was stressful and time-consuming, but today, you can go online and get all kinds of mobile home insurance quotes in minutes.

What Does Mobile Home Insurance Cover?

You need to protect your property and other people when they are on your property. The way to do this is by having the right amount of insurance. If you own a mobile home, your insurance coverage is going to be a bit different than that of traditional home owner’s insurance. You will learn more about this when you get mobile home insurance quotes. Many things are the same, but there are some types of coverage that are necessary for mobile homes that are not necessary for traditional homes.

The coverage you will receive from your mobile home insurance is:

  • Personal Property Coverage – If there is severe weather, a fire, plumbing leaks or vandalism to your mobile home, and your personal property is damaged, destroyed or stolen, you will be covered. This means you will be able to replace most of your personal property, including clothing, furniture, electronics and more. If you own expensive jewelry, art or other high-end items, you will need to purchase additional coverage as items such as these are not usually covered by a standard policy.
  • Coverage for Extra Living Expenses – It may be that your mobile home is uninhabitable for a period of time, and you will have to live elsewhere. Should this happen, your mobile home insurance will pay for things such as hotels, restaurants and other living expenses. This can be a big help if you are making mortgage payments and can’t really afford to live somewhere else while your mobile home is being repaired.
  • Emergency Removal Coverage – If you reside in an locale where there is a lot of harsh weather, you can have this type of coverage. This will pay for moving your mobile home before severe weather hits, so you won’t have to worry about it being damaged or destroyed. You will also have trip collision coverage. If your mobile home is damaged or destroyed while being moved (for any reason), you are covered for repairs or replacement.
  • Liability Coverage – What would happen if someone were injured while on your property, either as a result of your actions or the actions of one of your family members, or due to negligent upkeep of your property? The person who is injured or has property damage can sue you. Your mobile home insurance will cover your legal fees, as well as property damage expenses and medical claims from the injured party. Again, you can learn more about this when you get your mobile home insurance quotes.

If you don’t have mobile home insurance, you could be facing many expenses that you just can’t afford. Also, it is required by law that homeowners carry at least the minimum amount of insurance as required by the state where they live. Get your mobile home insurance quotes today to get the best rates and make sure that you have the coverage you need.

Depending on where you live, the insurance coverage you receive may vary. For instance, if you live in Florida, you will want to have coverage for severe weather such as hurricanes. If you live away from the coast, your needs would be quite different.

How to Get Mobile Home Insurance Quotes

You can go about getting mobile home insurance quotes a few different ways. You can take a lot of time out of your day to visit various insurers and talk to agents directly. You can make a lot of phone calls to speak with the agents. Or, you can go online and let us take care of all the work for you. The only information you need to provide is your zip code. No sales agents will ever contact you, and you will not have to buy anything until you are ready. We will provide you with a number of quotes from insurers in your area, and you can go from there in choosing which company you wish to deal with.