Affordable Mobile Home Insurance Quotes | Orbit Insurance Services

Protecting your home

What coverages can I get for my Mobile Home?

Mobile home insurance is specifically tailored to address the unique vulnerabilities of manufactured housing, providing robust financial security.

Dwelling Coverage

Protects the main structure of your mobile or manufactured home from damage caused by covered risks such as fire, vandalism, lightning, and natural disasters.

Personal Property Coverage

Protects the belongings inside the mobile home—including furniture, electronics, clothing, and appliances—from theft, damage, or total loss.

Liability Coverage

Provides essential financial protection if you're held responsible for a guest's medical injuries or accidental property damage that occurs on your premises.

Loss of Use Coverage

Covers temporary living expenses, such as hotel stays and meals, if your mobile home becomes uninhabitable while repairs are being made after a covered claim.

Storm & Hail Damage

Mobile homes are highly susceptible to severe weather. This coverage explicitly protects your structure and roof from high winds, hail, and severe storms.

Other Structures Coverage

Extends coverage to unattached structures on your property, such as carports, tool sheds, decking, and fences that may be damaged by covered perils.

Why Orbit

Why Orbit is the best choice for Mobile Home Insurance?

Competitive Rates

We shop across top-rated carriers that specialize in manufactured housing to ensure you get maximum protection for your mobile home without overpaying.

Industry Expertise

Our agents understand the specific underwriting requirements for single-wides, double-wides, and modular homes, ensuring you have the exact policy type you need.

Any Credit Welcome

Whether you have perfect credit or are working to rebuild it, we find flexible options to ensure your home and land investment is secure.

Online, Phone, or In-Person

Set up your mobile home policy quickly and easily — request a quote online, bind coverage over the phone, or sit down with an expert locally.

Talk to a property expert today

An Orbit agent is ready to help you navigate your manufactured home coverage requirements. Secure your space with complete confidence.

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The basics

What is Mobile Home Insurance?

Mobile home insurance (often called manufactured home insurance) provides specialized property coverage that addresses the unique risks associated with prefabricated housing. Because mobile homes are not constructed on a permanent, poured foundation like traditional stick-built houses, they are subject to different vulnerabilities—particularly regarding high winds, storms, and fire.

Like standard homeowners insurance, a mobile home policy protects your physical structure, your personal belongings, and shields you from personal liability. It also covers additional living expenses if a disaster renders your home uninhabitable. Whether your mobile home is permanently sited on land you own, or located within a leased mobile home park, securing this specialized coverage is critical for protecting your investment.

Factors That Impact Your Rates

Age of the Home: Older mobile homes can be more expensive to insure due to wear, tear, and older construction standards.
Location & Park Status: Homes in storm-prone or high-crime areas carry higher premiums. Homes in secure, gated manufactured home communities may qualify for discounts.
Tie-Downs & Skirting: Insurers often require homes to be properly anchored to the ground with approved tie-downs to mitigate wind damage.
Size and Type: The dimensions of the home (single-wide vs. double-wide) and the construction materials dictate replacement costs.

Good to know

Frequently asked questions & Requirements

Mobile home insurance is not legally mandated by the state. However, if you have a mortgage or chattel loan to finance the home, the lender will strictly require it. Additionally, if you lease a lot in a mobile home park, the property management will likely require you to carry liability coverage.

The cost of mobile home insurance in the US typically ranges between $750 and $1,600 annually, depending largely on your location's weather risks. While it can sometimes be slightly higher proportionally than standard home insurance due to storm vulnerability, it remains a highly affordable way to protect your primary asset.

Mobile/manufactured homes are built on a movable chassis and fall under specific HUD guidelines, requiring a specialized mobile home policy. Modular homes are built in sections off-site but are assembled on a permanent foundation, meaning they usually qualify for standard homeowners insurance policies.

Yes! You can lower your premiums by bundling auto and mobile home policies, maintaining a claims-free history, living in an approved mobile home park, being the original owner of a newer home, or installing monitored security and fire systems.

To generate an accurate quote, we will need:

Home Specs: Type (single/double/triple-wide), year of manufacture, and square footage.
Condition & Placement: Details on tie-downs, skirting, and whether the home is in a park or on private land.
Coverage Needs: Desired limits for the structure, personal property, and liability.
History: Any prior claims or existing damages to the unit.

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