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How much does manufactured home insurance cost?
I recently purchased a mobile home that was manufactured in the early 2000s. I wanted to purchase home insurance for it but was told I need to buy an insurance policy specifically for manufactured homes. How much should I expect to pay for manufactured home insurance?
Andrew Biro · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You’re right, mobile and manufactured homes require different insurance policies than site-built homes, but like site-built homes, the cost of insurance depends on a number of factors.
When it comes to manufactured homes—or any mobile home built after 1976—the location, age of the home, coverage options you select, along with your deductible and claims history all influence the cost of your insurance.
On average, however, manufactured home insurance typically costs between $600 and $1200 per year—significantly lower than what you’d pay for homeowners insurance on a site-built home.
Manufactured home insurance will generally offer similar coverages as standard home insurance policies, safeguarding your home against common perils and paying for the cost of replacement or repair (up to a certain point) of objects stolen or damaged during a break-in.
Home insurance of any kind is an incredibly important purchase and serves to protect your home and belongings from harm. Make sure you’ve got the best policy available with Jerry. As a licensed home and
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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