Everyone's insurance needs are different. That's why we provide a range of different policy types, all of which automatically include standard coverages, while also giving you the flexibility to add optional protection.
We would be happy to provide you a quote for affordable and competitively priced mobile home insurance. You can fill out the online form and receive the quote via email or you can download the Insurance Quote Request PDF form. Complete the form and fax it to us. We will process your request as quickly as possible.
Many of the coverages we offer are listed here. But, not every policy includes all of the coverages listed below. Coverage is only provided by your policy if it is specifically listed on your declarations page. We recommend that you talk to your agent about the specific coverages and limits you need.
Homeowner Coverages
Protection for the Home and Adjacent Structures. This coverage protects the home itself, as well as any equipment and fixtures that were part of the home when it was first built or purchased from the dealer. This coverage also protects any detached garages and sheds you own that are on your property.
Personal Property Protection. When this coverage is part of your policy, we automatically provide protection for certain types of personal property. We also offer increased coverage for special items typically limited or excluded in standard policies, such as jewelry, coins, and more.
We Include: Protection for your personal property if it is destroyed or becomes unusable due to fire, theft, lightning, windstorm, tornado, hail, explosion, smoke, sudden plumbing leaks, vandalism and more.
Optional Protection: Our optional scheduled personal property protection provides increased coverage for special personal property items such as jewelry, coins, collections and more.
Additional Living Expense. When this optional coverage is part of your policy, it helps pay your living expenses should your home become uninhabitable due to a covered loss.
Depreciation Protection. Sometimes settlement payments are subject to depreciation, which can make it hard to replace your home if it's completely destroyed by a covered peril. To help you recover from a total loss, we offer replacement cost coverage on select American Modern policies; ask your agent for details.
Coverage Before You Move In. An optional protection that's beneficial if you're putting your brand new manufactured home on your own property. It's called Builders Risk, and many loan companies and lenders require this type of coverage before they will give you a loan on your home. But even if they don't, it's good protection for you.
As soon as your home loan is closed, this coverage provides protection for personal liability, theft of building materials and damage caused by site improvements.
When the home is delivered to your property, the policy protects the home, adjacent structures and your personal property - even before the home is installed and ready for occupancy.
Fire Department Service Charge Coverage. If the fire department needs to come to your home, you are billed for the trip they make. This pays for that charge, to policy limits.
Emergency Removal Coverage. When a peril such as a hurricane threatens your home, you'll probably want to take some of your personal belongings to a safer location. This coverage pays the expenses to remove and then return your belongings back home after the storm has passed.
Trip Collision Protection for When You Move. Moving your home to a new location? There's always the possibility of having a collision accident along the way. Make sure you add this optional endorsement to your policy to protect against collision damage that could happen during the move.
Personal Liability. You could be held liable for an accident that causes property damage or bodily injury to another person. When this coverage is part of your policy, we will pay for the damages incurred and/or pay for someone to represent you in court.
Medical Payments to Others. If someone is hurt while on your property and needs medical attention, we will pay for their medical needs, to policy limits
HOME OWNER INSURANCE In addition to the varied loan products, as a licensed Fire & Casualty Insurance Broker-Agent, Mobile Home Insurance.net can provide homeowner insurance on most manufactured/mobile homes sold in California.
Mobile Home Insurance.net can issue insurance binders on homes sold in parks or on private property. All policies are competitively priced and provide a full package of coverages including “replacement cost” and “flood.” We can also provide “builder’s risk” coverage generally required with construction loans.
EXTENDED SERVICE COVERAGE
When purchasing a home, we’d like to believe that nothing could go wrong. Unexpected events can, and do, however, occur that require repair and/or replacement of a homes components (i.e. air conditioning, heating, electrical, plumbing, appliances, etc). We are able to offer you affordable protection against these unexpected repairs with our “American Home Guard or Vintage Home Guard Service Plans.”
American Modern Insurance Group underwrites all our insurance products. American Modern continues to maintain an A+ (Superior) rating by A.M. Best Company. With over one million policyholders nationwide, American Modern is one of the largest specialty insurers of manufactured homes in the country.
At Mobile Home Insurance.net we make purchasing insurance easy for you. When you buy insurance from us, we take care of the details. You won’t feel you've lost control. You can depend on us to provide the right insurance for you or your lender.
We are is licensed in Alabama, Arizona, Arkansas, California, Colorado, Idaho, Illinois, Lousiana, Michigan, Mississipi, Montana, Nevada, New Mexico, Oregon, Texas, Utah, Washington, & Wyoming.
INSURANCE for Manufactured/Mobile/Modular Homes.
INSURANCE for Builder’s Risk / Course of Construction Endorsements for Land Home.
INSURANCE for Rental Mobile Homes.
INSURANCE for Vacant or Spec. Homes/Models on Display.
Mobile homes are a growth industry. According to the Manufactured Housing Institute (MHI), mobile homes account for about 25 percent of new residential construction and home sales each year in the United States, and more than 10 percent of total housing. In many rural areas, the percentage is even higher. Cost is a major benefit, as the price for a new manufactured home can start at under $29,000.
While mobile homes are relatively inexpensive to buy, they can be costly to insure.
The MHI defines mobile homes as "a single-family house constructed entirely in a controlled factory environment, built to the federal Manufactured Home Construction and Safety Standards, better known as the HUD (Housing and Urban Development) Code." The organization prefers the term "manufactured home," noting "mobile home" is the term used for homes built prior to June 15, 1976, when the HUD Code went into effect.
Regardless of which word you use, "Mobile home insurance is really the same as conventional home insurance," says Phil Supple, a spokesman for State Farm. In both cases, the coverage and the claim process are the same. For instance, if you purchase a policy that includes "replacement cost," your mobile home insurance will cover the cost of replacing whatever has been damaged, up to your policy limit.
In general, when insuring any home, there are three major risk areas you want to insure against: damage to your home, theft of property from your home, and your legal liability for injuries or property damage.
"Insurance costs are based, number one, on exposure to risk," Supple says. Statistically, insurance companies assert, there is a greater likelihood for some of those risk factors with mobile homes.
According to Supple, fires are a case in point. Mobile homes are not necessarily more likely catch on fire, but they are more likely to be extensively damaged if they do. "In a mobile or manufactured home, if a fire does break out, it can sometimes spread more quickly," Supple says. "There's a greater risk, thus there's a greater cost to insure."
"There's a greater risk, thus there's a greater cost to insure."
In contrast, however, a national fire safety study by the Foremost Insurance Company showed that manufactured homes are actually less prone to fire than homes built on-site. As a matter of fact, site-built homes are more than twice as likely to experience a fire than manufactured homes, according to the Foremost study. The research showed that the number of home fires is 17 per 1,000 for site-built homes, while only eight per 1,000 for manufactured homes.
Storm damage does impact manufactured homes more severely, particularly from wind. When high winds blow through, mobile homes are lighter than site-built homes, and tend to blow over more easily.
"Another hazard is frozen pipes," Supple says. "With manufactured or mobile homes, because walls are sometimes not insulated as well, pipes can freeze."
Taken together, these and other factors lead insurance companies to place higher premiums on mobile homes.
Holding down costs
Winterizing or insulating your mobile home is one easy solution to the problem of frozen pipes. This can also lower the cost of heating and cooling your home. It can cost twice as much to heat and cool an older mobile home, as it costs in a site-built home of similar age and size.
Some insurers also encourage or even require you to have your mobile home secured to the ground with approved tie-downs and ground anchors. Tie-downs can help save your home from tipping over during windstorms.
"Premiums for mobile homes include quite a wide range."
The age and type of mobile home you buy can also play a role in your home insurance rates. All mobile homes built since 1977 must adhere to the HUD code regulations, which include federal standards for design and construction, fire resistance, energy efficiency, and quality. In addition, double-wide and multiple-section mobile homes can be less expensive to insure than single-wide mobile homes.
Rates can run the gamut
There are insurance pricing factors you can't control. If you live in an area with a comparatively high crime rate, or where there has been persistent flooding, you can expect higher premiums.
"It's not only the price, it's also the coverage," says John Johnson, senior vice president of marketing management for Foremost Insurance Group, which specializes in mobile homes. "In general terms, the fact is that the premiums for mobile homes include quite a wide range."
As Johnson notes, mobile home owners need to pay attention to more than just the cost of a policy. They also need to find out to what coverage is included. Some policies are comprehensive, while others cover only specific causes of loss or "named perils." Liability coverage, deductibles and coverage limits can vary from company to company and from policy to policy.
As a mobile home owner, you need to shop around for the best deal and the best policy to suit your needs.
Foremost is the nation's leading insurer of mobile homes. Why? We specialize — that sets our policy apart and makes the difference for you and the coverage you receive.
Foremost gets it.
We aren't the only company selling mobile home insurance today. That's why we're committed to doing a better job than the competition. It all starts with your policy. We've constantly refined our policy to give you more specialized coverages. And with over 50 years experience in insuring mobile homes, you can rest assured knowing your Foremost mobile home policy gets you access to the nation's most experienced team of mobile home experts.
So go ahead, relax. Leave the insurance to us.
Get a mobile home insurance quote.
About the coverages described on this site: Your insurance contract is contained only in your policy, not in this Web site. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. The coverages described on this page apply if you use your mobile home as a residence. They do not apply to rental and commercial use. *Coverage may not be available in all areas.
When disaster strikes, you can count on insurance from MetLife Auto & Home® to help repair or replace your mobile or manufactured home -- and to help rebuild your life.
We repair or replace your home
Whether you own a mobile home or a manufactured home, in the event of a covered loss, your MetLife Auto & Home mobile homeowners insurance policy will pay you the following*:
• To repair or replace your home
• To repair or replace attached porches, patios, and decks
• To repair or replace other buildings, such as garages and storage sheds
• Additional living expenses you may incur, such as hotel and restaurant bills, if you are forced to move out of your home because of a covered loss.
You choose the settlement method that suits your budget
We want to make our insurance policies fit your wallet, so we offer you two choices in loss settlement options.
Replacement cost. This option provides the cost to repair or replace your home without any deduction for depreciation, up to the amount of coverage purchased.
Actual cash value. This loss settlement option is less expensive than replacement cost. It pays you the amount to replace your damaged property -- minus depreciation. This option also applies if you do not actually repair or replace the damaged property, even if you had purchased the replacement cost option.*
You get top-notch benefits*
No matter which settlement option you choose, the following benefits are available with our policy for mobile homes and manufactured homes:
Trip collision coverage, which covers your mobile or manufactured home while it's being driven to a new location, is available for an additional premium.
Worldwide coverage for your personal belongings, which covers the things you own if they're lost, stolen, or damaged wherever you're traveling.
Water backup coverage for damage that results from water that backs up through sewers, drains, or sump pump wells is available as an optional purchase.
Identity Theft Protection Services which address the growing problem of identity theft. If you're a victim of identity theft, we'll have you work one-on-one with a counselor who will help you contact creditors, notify the police, sign affidavits -- and restore your good name. Available to customers in most states.
Legal defense and court costs will be paid if you are sued.
You can save with valuable insurance discounts.
Contact a MetLife Auto & Home representative to ask if you're eligible for these discounts:
Savings for newer mobile homes when insured on a replacement cost basis
Discount for approved protective devices
Discount for mature mobile homeowners
Multi-policy discounts. If you have more than one policy with MetLife Auto & Home, including auto and mobile homeowners, you may be able to save up to 10% on certain premiums.*
24/7/365 claim service
When you purchase a policy for your mobile home or manufactured home from MetLife Auto & Home, you get the same round-the-clock, fair, and fast claim service we give all our policyholders.
Get a free, no-obligation quote
Call MetLife Auto & Home at 1-800-MET HOME for a quote for insurance for your mobile home or manufactured home today.
*See policy for details and restrictions.
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company , Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify.
Mobile home owners know that their home includes much more than just the structure; there are personal belongings to protect, as well as covering yourself in the event of a liability. AIS shops multiple California mobile home insurance carriers to find you the best combination of price and coverage for your needs.
About California Mobile Home Insurance
As a California mobile home owner, it is important to protect your dwelling, personal property, and yourself against fire, theft, liability and natural disaster. AIS can help you save even more money by packaging your auto and mobile home policies with one carrier!
California mobile home insurance also covers your personal effects while in or away from your home. When away from your home, your personal items are likely covered with a lower maximum limit.
California Mobile home insurance protects you from personal liability in the case that someone on your property is accidentally harmed or otherwise injured. Personal liability can cover medical expenses for a non-resident of your home and legal expenses.
After you complete your quote request, you will be contacted by an AIS representative! The representative will provide you with not one, but many California mobile home insurance carriers' rates.
For the most security, find a manufactured home insurance policy that, like all property and casualty policies:
Pays for certain kinds of accidental damage to your home, belongings, or other structures. Coverage for this kind of damage is called physical damage coverage. Common examples of events that cause physical damage to your property include fire, wind, vandalism, and falling objects.
Protects you against claims or lawsuits filed against you by people who are accidentally hurt on your premises or because of your activities. Coverage for these kinds of claims and lawsuits is called liability coverage. Claims might include medical expenses, lost wages, pain and suffering, and even property damage. Liability coverage also helps you pay for your defense in the event of a lawsuit. Liability coverage does not pay claims for injuries to you or the members of your household.
Policies are not all alike
Most manufactured home insurance policies provide these two basic kinds of coverage. But the amount and degree of coverage can vary dramatically from one policy to another. That's why it's so important to do your research. You need to figure out what coverages you want, and make sure your policy covers them.
Physical damage
There are two kinds of physical damage coverage. A "named peril" policy gives you protection for the causes of loss specifically listed - or named - in your policy.
A "comprehensive" policy gives you coverage for all causes of damage that are direct, sudden and accidental that aren't excluded in your policy.
As you might expect, the premium on a named peril policy will generally be lower. It's up to you to decide if you want the lower premium or the more complete coverage.
Liability
Liability coverage also can vary from policy to policy. You should be sure that whatever policy you choose provides enough liability coverage to protect you in case you're sued and a judgment is issued against you. That amount may be greater than what comes "standard" with a policy. It's a good idea to think about it now, and make sure you have all the coverage you want to protect yourself.
Other things to consider
Be sure to check the deductibles and coverage limits in a policy, too. A deductible is the portion of the physical damage loss that you agree to pay out of your own pocket. A coverage limit is the maximum amount a company will pay for a covered loss. Obviously, all other things being equal, a policy with lower deductibles and higher limits would be preferred. However, lower deductibles and higher limits can result in higher premium costs.
Then there are the intangibles. Things like claim service, company reputation and accessibility can make a big difference in which policy will give you real peace of mind. You want to make sure that the company behind the policy has the dedicated personnel and financial resources to be there for you at claim time
