Standard mobile home insurance policies contain several important exclusions that homeowners should know about. The most significant is flood damage — virtually no standard mobile home policy covers flooding, which must be purchased separately through the National Flood Insurance Program (NFIP) or a private flood insurer. Earthquake damage is also typically excluded and requires a separate endorsement. Normal wear and tear, maintenance-related deterioration, and gradual damage (like rust, rot, or mold from neglect) are not covered. Manufactured homes in flood zones — common in Louisiana and Mississippi — face serious coverage gaps if flood insurance isn’t purchased separately.
Other common exclusions include: damage caused by pests or vermin; sewer or drain backup (unless you add an endorsement); business property or equipment if you run a business from home; and high-value items like jewelry or collectibles above standard policy sublimits. In states like Florida and North Carolina, some policies also exclude or limit coverage for wind and hail, requiring a separate windstorm policy. Review your policy exclusions carefully with your agent. Contact Bridgeway Insurance to make sure you have no dangerous coverage gaps.
