Mobile Home Insurance

Mobile Home Insurance.

Coverage for manufactured and mobile homes — primary residence, rental, or seasonal.

What's Covered

Dwelling — structure coverage up to $250,000.
Other structures — detached sheds, carports, or decks.
Personal property — belongings inside the home.
Loss of use — temporary living expenses if the home is uninhabitable.
Liability — protection if someone is injured on your property.

Who It's For

Owners of manufactured or mobile homes built in the last 25 years. Coverage available for primary residences, long-term rentals, and seasonal/secondary homes in 29 states.

What You'll Need to Quote

Property address and year built
Square footage and construction type
Roof material
Desired coverage amounts and deductible
Claims history (if any)

Quote in Minutes

Mobile Home Rater

Instant rate indication for mobile and manufactured home policies.

Location & Use

Property Address

City

State

Occupancy

Property Details

Year Built

Square Footage

Construction Type

Roof Type

Coverages & Deductible

Coverage A (Dwelling)

Coverage B (Other Structures)

Coverage C (Personal Property)

Coverage D (Loss of Use)

Deductible

Liability Coverage

Underwriting Questions

Claims (Last 5 Years)

3+ Unrelated People Living Together?

Under Construction?

Farm/Ranch Use?

Business Conducted on Property?

Ready to Bind? Tell Us About You

Full Name *

Email Address

Phone Number

Additional Notes

Estimated Annual Total $0

How a quote works

The tool above returns an indication based on the inputs you provide. Before a policy is bound, a licensed Blue Spruce agent reviews the application and confirms eligibility. No policy is auto-bound from the tool.

FAQ

What's the difference between a mobile home and a manufactured home?

The terms are often used interchangeably. "Mobile home" typically refers to homes built before 1976, while "manufactured home" refers to homes built after the HUD code was established in 1976. Both are eligible if built within the last 25 years.

What states do you cover?

We offer mobile home coverage in 29 states: AZ, CO, GA, ID, IL, IN, IA, KS, ME, MI, MN, MO, MT, ND, NE, NH, NM, NV, NY, OH, OR, PA, SD, TN, UT, VT, WA, WI, and WY.

Can I insure a mobile home I'm renting out?

Yes. We offer coverage for long-term and short-term rental properties. Select the appropriate occupancy type in the quote tool above.

What if my home is older than 25 years?

Homes 25 years or older are not automatically eligible through the online rater. Contact us directly at (720) 604-1820 to discuss options.

Questions? Call (720) 604-1820.