Mobile home insurance — also called manufactured home insurance — typically covers your home’s structure against perils like fire, wind, hail, lightning, theft, and vandalism. A standard policy includes dwelling coverage (the physical structure), personal property coverage (your belongings inside), liability protection (if someone is injured on your property), and additional living expenses if your home is uninhabitable after a covered loss. Some policies also cover attached structures like carports or decks. Coverage specifics vary significantly by state due to regional risks — for example, Florida policies focus heavily on wind and hurricane protection, while Wyoming policies emphasize windstorm and wildfire coverage.
What’s covered depends on whether you have an “open perils” (or “all-risk”) policy versus a “named perils” policy. Open perils policies cover everything except what’s specifically excluded; named perils only cover losses explicitly listed. The Insurance Information Institute recommends reviewing your declarations page carefully to understand your specific coverage limits and exclusions. Get a free mobile home insurance quote from Bridgeway Insurance to compare coverage options for your state.
