Renters Insurance

Mobile Home Renters Insurance

Mobile Home Renters Insurance

Mobile home renters insurance costs about $216 per year. Companies like Progressive and Geico offer online renters insurance quotes for mobile homes.

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If you're renting a manufactured or mobile home, getting renters insurance is important even if you aren’t required to have a policy by your landlord. Renters insurance for mobile homes works the same as any other renters insurance policy, protecting all of your belongings at a relatively low monthly rate.

What mobile home renters insurance covers

A renters insurance policy (known as an HO-4) insures tenants living in almost any type of residence, including a manufactured home. Whether someone rents a single-family house or a mobile home, these are the primary coverages provided by renters insurance:

Personal property protection pays to repair or replace belongings in the event of a covered loss, including a fire, tornado or theft. Mobile homes tend to be small, but you might be surprised by the total value of what you own. Remember, personal property protection covers furniture, electronics, jewelry and other expensive items.

Personal liability protection covers damages that the policyholder and family members (including pets) might be at fault for, such as medical bills or damage to someone else’s personal property. For example, if someone falls inside your mobile home, a mobile home renters insurance policy's liability protection would cover their injuries.

Loss of use coverage (also referred to as additional living expenses) pays for expenses if the mobile home becomes uninhabitable. If a tornado destroyed your manufactured home, you would need to find a place to stay, go out to eat and potentially alter your transportation to work. This part of mobile home insurance coverage would pay for those expenses until the mobile home can be repaired or you can find a new permanent residence.

Medical payments is a coverage commonly included in renters insurance policies for mobile homes. It specifically covers only medical-related expenses of others. A claim can be filed for the coverage without the injured person filing a lawsuit against the policyholder.

How to insure mobile homes in transit

Most mobile home insurance policies don’t cover the residence while it’s under construction or in transit. A mobile home renters insurance policy will not cover any belongings damaged while a home is being moved either.

Remove all belongings from a manufactured home if it’s going to be moved. Remember, mobile homes don’t have an engine and can’t be driven. Motorhomes and RVs have motors and require a different insurance policy entirely.

Cost of renters insurance for mobile homes

The average cost of renters insurance for mobile homes is about $216 per year, which is similar to the price of renters insurance for an apartment or single-family home.

The average renters insurance rate in the U.S., for a standard single-family home or apartment, is $216. Regional differences could drive up costs in some places.

Mobile Home Location

Standard Policy
Policy With $25,000 Personal Property Limit

Malibu, Calif.

$186$209

Prescott, Ariz.

$353$408

Napa, Calif.

$186$209

Quotes are rounded to the nearest whole number. Standard policies include $15,000 in personal property coverage, $100,000 in liability protection and a $500 deductible.

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The process to gather renters insurance quotes for a mobile home is the same as it would be for any other residence, be it a single-family home or an apartment. However, most renters insurance companies will not provide online quotes for mobile homes. Only two companies — Progressive and Geico — occasionally provide online quotes for mobile homes.

It doesn’t matter if you’re renting a traditional mobile home, a double-wide or any other variation of a manufactured home, you’ll likely need to call an agent when shopping for a policy to get a quote.

Insuring a mobile home in trailer parks vs. private property

Generally, insuring a rented mobile home on someone’s private property is the same cost as insuring one in a trailer park designed specifically for numerous mobile homes. The renters insurance policy for each one is identical. However, you might choose to purchase different claim limits for your policy depending on where the mobile home is located.

For example, if your manufactured home was far away from others, you might not need as much liability protection as someone living in a mobile home park close to others. Mobile home insurance policies generally include $100,000 in liability coverage, but you can purchase as much as $500,000.

Mobile home renters living in a community also need to make sure they have a clear understanding of what they’re responsible for as a tenant. Some parks provide landscaping and other maintenance (such as shoveling snow) outside trailers. In other cases, those tasks are the responsibility of the manufactured home resident — causing the blame for any injuries outside the home to potentially shift to the tenant.

Florida mobile home renters insurance

Florida is a popular destination for retirees and many, in an effort to keep costs low, choose to buy or rent manufactured homes there. Those who are tenants should strongly consider purchasing mobile home insurance in Florida. While the policy has some upfront costs, its coverage can mitigate losses, which is especially important to retirees who might no longer have income.

Renters insurance for manufactured homes is comparable to renters insurance for traditional houses and apartments in the state, and the average policy in Florida is reasonably priced.

Mobile homes are especially susceptible to wind damage during a hurricane or major storm. Your insurance is required to cover wind damage as a result of a hurricane, but flooding is almost never covered by a standard renters insurance policy. If your rented mobile home is located in a flood-prone area, you may want to consider a separate flood insurance policy.

Insuring a mobile home in California

Recently in California, more people are choosing to live in manufactured homes because of the high price of real estate. Even wealthy celebrities have purchased mobile homes in posh California cities like Malibu to save money, and renting a mobile home might be even cheaper.

The cost of mobile home renters insurance is much less than homeowners insurance in California. However, renters of manufactured homes need to make sure they understand what might be excluded from their coverage.

For example, some mobile home insurance policies exclude damage from wildfires, which might be a serious risk to a manufactured home depending on where it is located.

If a tenant or owner policy for a mobile home doesn’t cover wildfires, insurers typically offer additional coverage for them. In addition to damages caused by a fire, coverage also commonly includes loss of use coverage for situations when a policyholder must evacuate their residence.

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