Mobile Home insurance: Get a Quote
Mobile home insurance made for you
Protection built for mobile homes. Specialized care. Affordable, fair pricing.
Why you'll love Kin
You get more than coverage — you get a team that follows through.
Here to help
We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
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What does mobile home insurance cover?
We’ll help you understand what’s covered and why — with simple and personalized protection for your home.
for the actual structure of your home, inside and out.
for things like your detached garage or shed.
for your personal belongings that make your house a home.
for additional living expenses when a covered loss forces you to temporarily relocate.
if you accidentally cause someone bodily injury or property damage.
if a guest is injured on your property.
Note: While mobile home insurance covers damage caused by winds, it doesn't include flood coverage. You'll need flood insurance for the storm surges that accompany hurricanes.
Protect your mobile home from disasters big and small
The policies we offer can be customized to cover your mobile home’s top risks.
4 states and counting
We currently offer coverage in the following states:
Common questions about mobile home insurance
What is mobile home insurance?
Mobile home insurance, also known as an HO-7, is a specialized type of homeowners insurance designed to protect mobile and manufactured homes. It covers your home’s structure, other structures on your property (e.g., detached garages, sheds, etc.), and your personal belongings against damage caused by specific hazards (called perils).
What factors affect the cost of mobile home insurance?
How much you pay for mobile home insurance (called your premium) depends on:
- Replacement cost: The cost to replace your mobile or manufactured home in the event it is destroyed by a covered event.
- Location: Homes in high-risk areas often have higher premiums.
- Age and condition of the home: Older or poorly maintained mobile homes may cost more to insure.
- Claims history: A history of frequent claims may lead to higher premiums.
- Security and safety features: Smoke detectors, security features, and proper anchoring efforts can result in lower premiums.
- Credit history: Insurers can use your insurance-based credit score when determining your rate.
- Policy details: Your coverage limits, deductibles, and any additional coverage options will affect your rates.
What do I need to qualify for mobile home insurance?
To qualify for the best rates, insurance providers may require mobile homes to:
- Have anchored tie-downs in accordance with regulations.
- Be skirted or have a fully enclosed foundation.
- Have handrails anywhere with three or more steps.
- Be owner occupied.
- Be well maintained.
Can I get insurance for older mobile homes?
Mobile homes built after 1976 are called “manufactured homes.” Kin can’t offer coverage for mobile homes built prior to 1976.
What does mobile home insurance not cover?
Mobile home insurance typically does not cover:
- Flooding caused by heavy rain, storm surges, or breaches of levees or dams.
- Earthquakes or sinkholes.
- Intentional damage caused by the policyholder or covered household members.
- Fungal or bacterial growth.
- Wear and tear.
- Damage caused by pests or rodents.
What additional coverages should mobile home owners consider?
To ensure your mobile home is adequately covered, consider adding:
- Flood insurance: Often required if you live in a high-risk area.
- Earthquake insurance: Financial protection if your home is damaged due to seismic activity.
- Windstorm or hurricane coverage: Often excluded or limited in standard policies.
- Water backup coverage: Covers damage caused by failed sump pumps or sewer backups.
- Scheduled personal property: Offers higher coverage limits for high-value items.
Is mobile home insurance required?
Manufactured home insurance isn’t required by law but may be required by your lender or mobile home community. It's wise to purchase a policy even if not required.