Mobile Home Insurance

Protect your Property with a Mobile Home or Manufactured Home Insurance

// Austin Insurance Agency

Mobile and manufactured home insurance – get peace of mind.

Insuring a manufactured or mobile home doesn’t have to be complicated. Mobile home insurance can provide the protection your manufactured or mobile home needs. Mobile home insurance provides coverage for physical damage to a mobile or manufactured home and its contents. Mobile and manufactured homes come in all sizes and styles; they require custom policies to insure them properly. Mobile and manufactured homes are generally grouped with others in a community.


Mobile, Manufactured, and Modular Homes: What’s the Difference?

Mobile, manufactured, and modular homes are all built at the factories rather than at the construction sites. The differences between mobile and modular homes can be challenging to understand for someone who has never seen them before. Mobile homes are designed on a single level to easily be transported on wheels or frames; these buildings do include permanent fixtures like plumbing pipes or electrical circuits inside the body of their construction.

A Manufactured Home specially used for Accessory Dwelling units typically sits directly upon concrete slabs, which serve as its foundation. This type may have multiple floors, like an ordinary home. When purchasing a manufactured home, it gets assembled in your property as a shed does, or it gets delivered already built with a crane to set it on its foundation.

Due to their unique construction and vulnerability to particular weather such as windstorms, manufactured and mobile homes don’t qualify for traditional homeowners insurance. Instead, it would be best if you looked into mobile home insurance.

What is mobile or manufactured home insurance?

The most important thing to remember about your home is that it’s not just an address but also a piece of property. Your mobile policy will provide coverage for you living in the dwelling as well as any structures on land from events like:


Fire & Wind








Water damage (excluding flood)


Visitor injuries

Why do I need mobile or manufactured home insurance?

Protecting one of your most important investments is key to ensuring that you have coverage for any situation. If a lender requires it, then don’t hesitate! Give us a call, and we will set you up.

What does mobile or manufactured insurance cover?

Home insurance policies from Risk Coverage Insurance Agency generally come with certain standard features. These include

DWELLING COVERAGE This coverage pays to repair or replace the structure of your mobile home if it's damaged by events your policy covers, up to a limit you choose

Dwelling Coverage

This coverage pays to repair or replace the structure of your mobile home if it’s damaged by events your policy covers, up to a limit you choose. When selecting a limitation, you want an amount high enough to replace your mobile home if it gets destroyed.


Additional Covered Loss

mobile home insurance policy will carry Additional living expenses to reimburse you the cost of a hotel in case a fire or storm makes your home temporarily unlivable. An optional coverage for Trips collision coverage is to repair your home if it’s damaged while moving between locations.


Liability Insurance

Liability insurance pays out if a visitor gets hurt on your property and can’t work and later decides to sue you, or you accidentally cause property damage or injuries to others. It may also cover related legal expenses. If you are unsure how much liability coverage you need, consider getting enough to cover your net worth.

  • Your kids playing soccer outside accidentally kick the ball through someone’s window; they get injured cleaning up the shattered glass.
  • Medical expenses and legal fees if someone gets injured on your property.

Personal Property Coverage

The following are typical examples of the types and items covered by manufactured or mobile home insurance policies. A standard policy will typically cover your items on an actual cash value basis.

  • Electronics and appliances
  • Furniture and clothing
  • Shed or other unattached structures
  • Medical expenses and legal fees if someone gets injured on your property

Optional Coverage

to receive enough to buy brand new items, you can add extra protection to your standard coverage by upgrading to replacement cost coverage to protect your investment that resides in your mobile home or manufactured home insurance

  • Musical instruments
  • Sports equipment 

Optional Policies

There are other policies you may want to consider for additional risks protection:

  • Identity theft protection – Protect your identity from security breaches
  • Flood – Protects your home and property from severe water damage
  • Jewelry – Covers your precious watches and rings.

What’s not covered

As with any insurance policy, there are limits to your coverage; we will make sure to always go over these since sometimes people will try to get renters insurance instead:

  • Insect or animal infestation
  • Damage associated with the use of your home for business purposes.
  • earthquake
  • Wear and tear
  • flood from the outside into your home. Most states offer insurance if you are in a high-flood zone.

We make managing your mobile or manufactured home insurance policy easy.

Risk Coverage Agents Meet or speak over the phone with a local Austin agent to learn more about mobile or manufactured home insurance and customizing your policy.

Policy Service and Claims

If you need to make changes to your policy or Get additional info about your policy, you can reach out to us 24/7 or visit our provider’s information.

Multi-Policy Discount

When you have auto insurance with us and have a mobile or manufactured home insurance policy through Austin Risk Coverage Insurance, you can be eligible for a discount on your car insurance. our Many insurers we work with also offer discounts for having a home security system, smoke alarms, or other protective devices

// faq

questions about Property insurance policy

What's the difference between mobile and manufactured?

The difference between mobile and manufactured is all in the date. Manufactured and mobile homes are regulated by HUD, the federal government’s Housing and Urban Development division. According to HUD, a factory-built home before June 15, 1976, is a mobile home, and one built after June 15, 1976, is a manufactured home.

Should I get flood insurance if I have a mobile or manufactured home insurance policy?

You may want to consider flood insurance since most insurance companies will not offer coverage if you live in a high-risk flood zone. Something to consider is that most homeowners’ policies dont cover flood damage.

How much does mobile home insurance cost?

Many factors impact the cost of your mobile home insurance rate, ranging from age, condition, and location of your home to your coverage limits and claims history. The average mobile home insurance cost is between $500 and $1000 annually.

Is mobile or manufactured home insurance required?

Mobile home insurance, also known as manufactured home insurance, is much like a standard homeowners insurance policy in the sense that it provides financial protection if your home is damaged. for example, Your personal belongings were ruined in a fire. Or someone wants to seek legal action against you due to an accident on your property. While it’s not required by law, mortgage companies and mobile home communities will require that homeowners purchase coverage for the safety of your and your communities liability.

Do I need flood insurance too?

Floods aren’t just a coastal problem. They can happen anywhere, especially in High-Risk Flood Zones, and many homeowners don’t realize their policy doesn’t cover flood damage either!

If you live near the coast, near a River, or Lake, it may be worth looking into purchasing coverage for your home. Even though these types of storms rarely make headlines, they still cause tons of dollars worth of losses every year.

Allow us to be in your corner when making decisions regarding insurance policies that will keep covered, whether it’s windstorms, fires, hail, or rain.

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