Mobile Home Insurance

Mobile Home Insurance provides two types of coverage: Physical damage and Personal Liability Coverage.

Insureds who own mobile homes are picky. And for the price they pay for these homes, they have every right to be. So choosing the right coverage for their mobile home insurance is just as important.

When choosing the right policy, you want to be sure they are covered for as much as possible. The 2 most common coverage options are:

Physical Damage

Physical damage coverage pays for accidental damage to your mobile home and anything attached to it. Decks, covers, awnings and even carports that are damaged from perils such as fire, theft, vandalism, hail, and/or wind.

You can choose a loss of peril policy, but it could end up costing you more money if the damage is not caused by the named peril. For example, if you have specified that you want fire coverage, and a tornado wipes out your mobile home, the “wind” is not a named peril and therefore you would not be covered.

Generally, coverage under a regular policy doesn’t apply while the mobile home is in transit. Also, like regular homeowners insurance, flood is not generally covered, so be sure to find out whether you are in a flood zone and can purchase flood.

Personal Liability

Damage to property isn’t the only hazard. Personal Liability insurance coverage applies when there is a claim or a lawsuit against you after someone is injured or their property is damaged because of your activities.  Claims might include medical expenses, lost wages, pain and suffering, and even property damage. However, liability coverage does not pay claims for injuries to you or the members of your household.

Coverage options are available from Southern Insurance Underwriters for rental mobile homes, commercial mobile homes, mobile homes that are used seasonally, or mobile homes located in a park or on private property.

Coverage highlights for Mobile Home Policies include:

  • Primary, Secondary, Rental and Light Commercial occupancies available
  • Values up to $175,000
  • Liability limits up to $300,000
  • Coastal availability
  • In real-time: quote, bind, issue & pay online
  • Quotes are saved for 90 days
  • View and print policy documents and invoices
  • 24/7 policy accessibility
  • Link multiple policies under one user

For more information, please visit us at for access to our Mobile Home Markets.