Last updated: March 2026
How Much Does Mobile Home Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Single-Wide Mobile Home (monthly) | $0 – $0 | $50 – $100 |
| Double-Wide Mobile Home (monthly) | $0 – $0 | $75 – $150 |
| Manufactured Home on Permanent Foundation (monthly) | $0 – $0 | $100 – $200 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Mobile home insurance provides coverage similar to homeowner's insurance for manufactured or mobile homes, including the structure, personal property, and liability.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Mobile home insurance costs $50 to $200 per month, or $600 to $2,400 per year. Costs depend on the home's age, size, location, and whether it is on a permanent foundation.
Yes, mobile home insurance is specifically designed for manufactured homes. Standard homeowner's policies may not cover them. Mobile home policies account for the unique risks of manufactured housing.
Standard mobile home insurance covers wind damage, but may exclude hurricanes in coastal areas. Additional windstorm coverage may be needed in high-risk states.