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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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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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 1, 2020

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Although people rarely think of it, mobile home insurance rates are an important thing for many people to compare. Whether your home is going to be more stationary than mobile, it doesn’t matter. Either way you need protection for this investment. The bottom line is that since you will more than likely be parking your manufactured home on a nice lot and calling it home sweet home, than you will need protection that is similar to home owner’s insurance.

There are some things you will have to keep in mind when it comes to your policy, protection and coverage. For example:

  • For your mobile home insurance rates, does this include your personal belongings as well? A great deal of expense after tragedy strikes is replacing household items like clothing or even appliances. Make sure the policy you get includes this if you want it included.
  • Does you manufactured home insurance policy include attached structures like a carport, garage or porch? Many mobile homeowners assume this is included only to find out once they file a claim they are unfortunately wrong. Make sure you get your attached structures included if this is applicable to your situation.
  • Are other buildings on your property also included in your mobile homeowners insurance? For instance, if you have a storage shed or gazebo you may want this to be covered as well. Don’t assume, ask about it. If it isn’t, inquire if your policy can cover this type of add-on for a little extra premium amount per month.

Other Considerations for Your Mobile Home Coverage

Keep in mind –it may be more challenging to get certain things covered, especially based on where you live. This is especially true for any type of insurance including standard homeowners. For instance, if you live in an area prone to tornadoes or floods it may be more expensive to get coverage, if possible at all. Make sure not to be surprised if when you give your zip code you find out your rates could be higher because of a higher chance of storms, natural disasters of Acts of God.

You can help save money on your mobile home insurance rates with several different tips. For instance:

  • If you have other types of insurance with other providers like car insurance or motorcycle insurance, consider bundling them with one carrier and watch the prices for all of them drop.
  • If you can pay annually or quarterly instead of monthly you will also see some great savings. Save up if you must, but when you get the quotes back and see how much this could save you it will prove to be worthwhile.
  • Get your quotes from competing companies. Nothing can save you more money than actually taking the time to compare rates. The best thing is it is as easy as entering your zip code. Just provide us with this information and have the quotes brought to you. In no time, you will be saving with great mobile home insurance rates tailor made for you.