Dwelling / Interior Structure
Protects your unit’s interior—walls, floors, fixtures, built-ins—against covered perils.
Protect Your Mobile Home with Affordable, Reliable Insurance
Peace of mind for your manufactured, modular, or mobile home, customized coverage for every budget.
We serve families & businesses in
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What Is Mobile Home Insurance?
Mobile home insurance works much like traditional homeowners insurance, but it’s tailored to the unique needs of manufactured and modular homes. It protects your home’s structure, your belongings inside, and provides liability coverage, all while accounting for the specific risks and requirements that come with owning a mobile or manufactured property.
What Does Mobile Home Insurance Cover?
Standard Mobile Home insurance typically includes:
Condo protection, demystified—your must-haves up front, extras on tap when life gets “plot twist.”
Personal Property
Covers your belongings at home and usually off-premises too.
Liability Protection
Helps with legal costs and payouts if you’re responsible for injury or property damage.
Medical Payments to Others
Pays small medical bills for guests injured in your unit, regardless of fault.
Loss of Use
Covers hotel, meals, and living expenses if a covered loss makes your condo unlivable.
Loss Assessment
Helps pay your share of HOA special assessments from covered building/liability losses.
Building Property
Covers upgrades you’ve added—custom cabinets, counters, flooring, built-ins.
Optional Coverages
Click to reveal add-ons for common condo gaps.
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Optional Coverages
Click to reveal add-ons for common condo gaps.
Water Backup
Helps with damage from sewer/sump backups.
Earthquake
Coverage for quake damage, excluded from standard policies.
Flood
Flood insurance via NFIP or private carriers.
Scheduled Property
Extra protection for jewelry, art, collectibles.
Identity Theft
Support and expense coverage if your identity is stolen.
Umbrella
Additional liability limits above your condo policy.
Tap any card to see what it covers. We tailor your policy for manufactured and modular homes, on land you own or in a park community.
Dwelling Coverage
Protects your mobile home’s structure-roof, walls, skirting, awnings, attached decks & tie-downs.
Click to see details
- Covers sudden & accidental perils (e.g., fire, wind, hail; subject to form & state).
- Include accessories like steps, porches, and attached carports when eligible.
- Set limits to current replacement cost; older homes may need stated value.
- Some areas use wind/hail deductibles or require tie-down/anchoring, ask us.
Personal Property Coverage
Your belongings: furniture, clothes, electronics—at home, in your shed, or on the go.
Click to see details
- Choose Actual Cash Value (ACV) or Replacement Cost (RC) for contents.
- Coverage extends off-premises and in storage (sub-limits apply).
- Special sub-limits for jewelry, watches, collectibles, schedule if needed.
- Keep a photo/video inventory to speed up claims.
Liability Protection
If you’re responsible for injuries or property damage, this helps with defense & payouts (up to limits).
Click to see details
- Covers legal defense, settlements, and judgments for covered claims.
- On- and off-premises incidents (e.g., dog bite—breed rules may apply).
- Increase limits if you have assets to protect; pairs well with umbrella.
Medical Payments to Others
No-fault help with guests’ minor injuries in or around your home site.
Click to see details
- Pays initial medical bills regardless of fault.
- Helps avoid larger liability disputes; common limits $1k–$5k+.
Loss of Use / Additional Living Expenses
Hotel, meals & extra costs if a covered loss makes your place unlivable.
Click to see details
- Temporary housing, increased food costs, laundry, mileage, etc.
- Time or dollar caps—pick limits that fit your local market.
- Applies only when the cause is covered.
Detached Structures Coverage
Sheds, fences, carports, and other structures not physically attached to the home.
Click to see details
- Customize limits for carports, storage buildings, and gazebos.
- Some parks require specific carport specs—keep receipts & permits.
Replacement Cost Coverage
Skip depreciation on eligible homes and/or contents—rebuild or replace at today’s costs.
Click to see details
- Available on qualifying model years/conditions; otherwise ACV applies.
- Upgrade contents to RC to avoid depreciation on electronics/furniture.
Flood Insurance
Rising water from storms or rivers—usually excluded by standard mobile home forms.
Click to see details
- Available via NFIP or private markets; consider building & contents.
- Important for homes on piers or in mapped flood zones.
Earthquake Coverage
Separate policy/endorsement for quake damage typically excluded otherwise.
Click to see details
- Consider in seismic zones; deductibles often % based.
- Anchoring/tie-down compliance may be required.
Water Backup Coverage
Adds protection for damage from backed-up drains or sump overflows (not flood).
Click to see details
- Helps with cleanup, dry-out, and repairs after backups/overflows.
- Pick limits by site elevation, plumbing age, and park infrastructure.
Trip Collision Coverage
Protects your home while it’s being moved—damage from collision during a covered trip.
Click to see details
- Applies when transporting between locations or to a new site (scheduled trip).
- May require licensed mover and advance notice—check carrier rules.
Extended Liability Coverage
Higher limits and optional extensions for your lifestyle and community rules.
Click to see details
- Raise base limits; add additional insureds (e.g., park/lot owner) if required.
- Options for golf carts, small watercraft, and certain hobbies (eligibility varies).
- Combine with an umbrella for an extra $1M+ layer.
Identity Theft Protection
Help with recovery costs from identity theft, cyber fraud, and data restoration.
Click to see details
- Can include credit monitoring, legal help, and lost wages reimbursement.
- Some carriers offer cyber extortion and transfer fraud benefits.
Bundle Discounts
Stack savings by pairing your mobile home policy with auto, life, or umbrella.
Click to see details
- Multi-policy, protective device, claims-free, and e-pay discounts available.
- We’ll optimize carrier & coverages for best total value—not just price.
Scheduled Personal Property
Extra limits + broader causes of loss for jewelry, instruments, art, and more.
Click to see details
- Itemize with appraisals/receipts for higher limits and lower/no deductible.
- Often includes mysterious disappearance and worldwide coverage.
Bundle & Save
We reward loyalty with bundle discounts that make managing your insurance easier and more affordable
Mobile Home + Auto Insurance
Bundle your mobile home and car policies to simplify protection and enjoy great discounts.
Mobile Home + Life Insurance
Protect both your home and your family’s future with a smart, affordable bundle.
Mobile Home + Umbrella Coverage
Add an umbrella policy for extra liability protection and peace of mind.
Mobile Home + More Bundles
Ask about pairing your mobile home coverage with motorcycle, renters, or even RV insurance for a full protection package.
Protect Your Mobile Home, Protect Your Lifestyle
Don’t leave gaps in your coverage. OnePoint makes condo insurance easy, affordable, and reliable.
Why OnePoint Insurance Agency
The OnePoint Advantage
Personalized Coverage – Tailored to mobile home
Affordable Options – Plans that fit your budget
Trusted Advisors – Real agents, not just algorithms
Popular Endorsements & Add-Ons
Different carriers offer these under various names, but these optional coverages enhance your protection:
Water Backup/Sump Pump Overflow
Covers damage from water backing up into your home via sewers or drains.
Service Line Coverage
Protects underground pipes and wiring (sewer, water, electric) from damage
Equipment Breakdown Coverage
Pays for repair/replacement of appliances, HVAC, or electrical systems from mechanical failure.
Ordinance or Law Coverage
Covers the cost of upgrading your home to current codes during repairs.
Extended or Guaranteed Replacement Cost
Increases dwelling limits above policy limits if rebuilding costs exceed expectations.
Scheduled Personal Property
Extra protection for high-value items: jewelry, watches, art, collectibles, firearms.
Home Cyber Protection
Covers identity theft, cyberattacks, and online fraud incidents
Inflation Guard
Automatically increases your dwelling coverage annually to match inflation.
Loss Assessment Coverage (HOAs)
Covers your share of a loss assessed by a homeowners association.
Pet Liability
Adds or increases liability coverage for damage/injury caused by pets.
Business Property Coverage
Expands limits for business equipment stored or used in your home.
Short-Term Rental Endorsement
Covers damages and liability during Airbnb or Vrbo stays
Flood Insurance (NFIP or Private Market)
Covers losses from rising water or storm surge NOT in a standard policy.
Earthquake Insurance
Available in seismic zones; protects against quake damage
Not Sure What You Need?
Every home is different and every homeowner’s needs are unique. Our advisors are ready to review your existing policy, uncover gaps, and recommend the right endorsements based on your:
Home’s age and construction
Value of personal property
Risk of flood, earthquake, or wildfire
Usage (primary, secondary, rental)
Lifestyle and liability risks
How It Works
Three quick steps. Total peace of mind.
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Request a Free Quote
Answer a few simple questions
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Review Personalized Coverage Options
See protection tailored to your condo
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Get Protected in Minutes
Lock in coverage and live worry-free
What Affects Your Premium?
We believe in transparency. These are some of the top factors that can impact your insurance rate:
Location and ZIP code
Age and Construction of your home
Claims History
Credit History (In some State)
Want to see your personalized rate? Just answer a few quick questions.
Types of Homes We Cover
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OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Frequently Asked Questions
Is mobile home insurance required by law?
No, it’s not legally required in most states. However, if you have a mortgage or live in a mobile home park, your lender or park management will usually require insurance coverage. Even if it’s optional, having protection against fire, theft, and storms is smart.
What’s the difference between mobile, manufactured, and modular home insurance?
Mobile Homes – Homes built before 1976.
Manufactured Homes – Built after June 15, 1976, under HUD standards.
Modular Homes – Built in sections off-site, then assembled on permanent foundations.
👉 Insurance for all three is similar, but policy details and coverage limits can vary.
How much does mobile home insurance cost?
The cost usually ranges from $300 to $1,000 per year, depending on:
The home’s age, size, and location
Coverage limits you select
Whether you add endorsements (like flood or earthquake coverage)
Bundling with auto or renters insurance often lowers your premium.
What does mobile home insurance cover?
A standard policy typically includes:
Dwelling protection (your home’s structure)
Personal property coverage (furniture, electronics, clothing)
Liability protection (injuries to others, legal costs)
Additional living expenses if your home becomes unlivable after a covered event.
Does mobile home insurance cover natural disasters?
It depends. Most policies cover wind, hail, and fire, but often exclude flood and earthquake damage. You can add those as separate policies or riders.
Can I bundle mobile home insurance with other policies?
Yes, most insurers let you bundle with auto, renters, or life insurance. Bundling usually saves you 10–20% on premiums.
OnePoint Insurance Resources
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
770 884 8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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