What's mobile home insurance?
Mobile home insurance, also known as manufactured home insurance, is coverage for most portable homes made in a factory.
It can help protect your property from things like theft, vandalism, fire and water damage from burst pipes. Plus, it can cover hail, hurricanes and tornadoes. But if you live in a high-risk coastal area, you may also need windstorm insurance.
The USAA Insurance Agency works with Foremost to help you get coverage that meets your needs. If you need to insure a modular home, you can get a free quote for USAA Homeowners Insurance.
Introducing American Modern Insurance Group®
We know having options matters. That’s why we’re adding another provider to help protect your home.
Like Foremost, American Modern® has a history of covering a variety of manufactured homes. Plus, they offer coverage in most states, with a range of options to fit your needs.
They have a dedicated team ready to help USAA members.
Types of homes you can insure
You may hear mobile home, trailer home, manufactured home and tiny home used interchangeably. They also may share similar features. Here are some key takeaways for each style of mobile home that our alliances cover.
Manufactured homes
- Built in a factory and later set up on your property
- Placed on a metal frame instead of a crawlspace or basement
- Sometimes tied down without a permanent foundation
Mobile homes
- Delivered to your property in one or more pieces
- Usually cost less per square foot than a traditional home
- Can be placed on a basement or crawlspace
Tiny homes
- Typically span between 100 and 400 square feet
- Built on travel trailer beds or a foundation
- Usually cost less than a new, single-family home
Add even more protection.
Here are some common add-ons for your policy:
- 30-day coverage while you move
- Hobby farm or ranch liability
- Personal injury protection
- Replacement cost coverage for your home and belongings
Why get a policy through USAA Insurance Agency?
We have long-standing alliances with other insurance providers, and we monitor these relationships to make sure they meet our standards.
You can get help from specially trained representatives who'll serve you at the level you expect.
Mobile home insurance FAQ
Not by law, but some mortgage companies or mobile home parks may require proof of insurance.
Several factors affect how much you pay for mobile home insurance. These include where you live, the cost to replace your mobile home, and the coverage and deductible options you choose.
A higher deductible can mean a lower monthly premium. But you may pay more out of pocket if you file a claim. With a lower deductible amount, you may pay a little more per month but wouldn't be responsible for larger out-of-pocket costs with a covered claim.
Both types of homes are built in a factory in multiple pieces and assembled on site. But mobile homes aren’t typically placed on permanent foundations, while modular homes are.
Mobile homes are also built to federal standards, meaning they can be placed in or moved to any state across the country. Modular homes follow local building code because they’re not meant to be moved.
For modular homes, you'll need homeowners insurance.
Your policy can help protect against things like theft and vandalism, but it may not cover items that you accidentally damage or lose.
For more protection, you can get Valuable Personal Property, or VPP, insurance. It helps covers items like jewelry, smartwatches, guns, cameras, and more from accidental damage or loss without a deductible.
If you have a collection that’s not covered by a VPP policy, like stamps, coins or vintage toys, you can help protect your things with collectibles insurance.
Stay grounded with the right mobile home insurance.
Have more questions?
Speak with a specialist from Foremost to get coverage that’s right for you.