Mobile Home Insurance

Mobile home insurance addresses what a standard homeowners policy generally can’t, since most standard policies aren’t written for manufactured housing at all. At MTN Insurance Services, our team helps owners in Crestline, CA find coverage that actually applies.

Can You Get Homeowners Insurance on a Mobile Home?

Yes, but the policy type matters. Manufactured homes require a policy built specifically for that structure.

A policy designed for manufactured housing generally covers:

• Dwelling coverage—May help cover the structure itself
• Personal property coverage—May help cover belongings inside the home
• Other structures coverage—May help cover detached garages, sheds or gazebos
• Liability coverage—May help cover you if someone is injured on your property
• Additional living expenses coverage—May help cover costs if your home becomes uninhabitable after a covered loss

The form of ownership also shapes coverage needs. Owners who rent the land their home sits on may need different liability provisions than those who own both the home and the lot.

How Much Does Mobile Home Insurance Cost?

Premiums depend on the age and condition of the home, its location, the coverage limits you carry and the deductible you choose. Older manufactured homes may carry higher premiums because replacement parts and materials can be harder to source. Homes in areas prone to wind, flooding or hail may also see higher rates.

Get Coverage That Fits Your Home

Contact MTN Insurance Services to review your options and put together a policy that reflects your home and circumstances.