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Mobile Home Insurance

You found your perfect model of mobile home.

Now let IZC Insurance Agency help you protect it.

Four mobile homes lined up next to each other

IZC, Your Trusted Mobile Home Insurance Advisor

IZC Insurance Agency specializes in placing insurance for manufactured and mobile homes across the country. Licensed in all 50 states, our agency can cover all of your home insurance needs, regardless of location. By partnering with best in class insurance carriers, we can shop multiple markets to find you the best rate for your home insurance, protecting what matters most to you.


What Does Mobile Home Insurance cover?

Mobile home insurance is a type of insurance policy that provides coverage for manufactured or mobile homes and protects against financial losses due to various risks, such as damage to the home and personal property, liability for injuries to others, and additional living expenses in case of displacement. In simple terms, mobile home insurance covers:

Dwelling coverage

Dwelling 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. (A deductible may apply.) Manufactured home policies generally cover events such as:

- Fire and lightning.
- Explosions.
- Vandalism.
- Falling objects.
- Wind and hail.
- Weight of ice and snow.
- Burst pipes.

When selecting a limit for this part of your policy, you want an amount high enough to replace your mobile home if it’s destroyed. Consider buying extended replacement coverage, which will give you a cushion in case rebuilding costs more than you expect.

Attached and/or Detached Other Structures

Attached Structures coverage pays to repairs things like decks or carports that are attached to your home. Alternatively, detached Structures Coverage pays to repair a fence, shed or other structure that isn’t attached to your home if it’s damaged by an event your policy covers.

Personal property coverage

Personal property coverage pays to repair or replace furniture, electronics and other belongings if they’re damaged or stolen. A standard mobile home policy will typically cover your items on an “actual cash value” basis. That means it’ll pay the estimated amount your belongings were worth at the time of the claim, minus your deductible.

To receive enough to buy brand-new items, you may want to upgrade to replacement cost coverage. Taking a home inventory is the best way to figure out what your stuff is worth and how much personal property coverage you need. You can get a quick estimate using the calculator below.

Liability insurance

Personal liability insurance pays if a visitor is hurt and sues you, or you accidentally cause property damage or injuries to others. It may also cover related legal expenses. Not sure how much liability insurance you need? Consider getting at least enough to cover your net worth.

Additional coverage

Depending on your insurance company, your policy may include other coverage, such as: Additional living expenses to reimburse the cost of a hotel in case a fire or storm makes your home temporarily unlivable. Trip collision coverage to repair your mobile home if it’s damaged while moving between locations.

Depending on the age, location and model of your mobile home, finding insurance coverage could be tricky. By partnering with IZC Insurance Agency's mobile home experts, you can save time & money while feeling confident that your home and family are protected.

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What's Not Covered

As with any insurance policy, there are limits to your coverage.


Manufactured home insurance generally doesn't pay for flood damage. If you live in an at-risk area, buying separate flood insurance is a good idea.


Similarly, if your home is in a seismically active region, you’ll likely need separate earthquake coverage. Home insurance policies typically don't cover “earth movement."

Wear and Tear

Insurance covers sudden, accidental damage, not everyday maintenance.

Insect or Animal Infestation

Insurers consider pest prevention part of ordinary maintenance.

Damage Associated With the Use of Your Home For Business Purposes

For this coverage, you may need a commercial policy.

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