Mobile Home Insurance Coverage Information

Mobile homeWhat is mobile home insurance?

If you own a mobile or manufactured home, GEICO can help protect your home, adjacent structures and personal property.

Mobile and manufactured homes are essentially the same thing; a manufactured home is just what the government calls them if they were built after June 15, 1976. So, a mobile home policy should work regardless of which name you use for your castle.

On the other hand, if you have a modular home (usually delivered in multiple pieces and assembled on your land) you should get a quote for a standard homeowners policy.

Why do I need mobile home insurance?

You've worked hard to buy your home and the things you own, but sometimes unexpected events like fires or severe hailstorms can cause major setbacks.

If you don't have enough cash on hand to repair major damage to your house or replace most of your stuff all at once you're definitely not alone! Fortunately, this is where mobile home insurance can help.

What does a mobile home insurance policy cover?

Coverage for the structure of your mobile home.

Your mobile home policy helps protect your mobile home and structures you own that are on the same piece of land as the home but are not attached to it (such as a shed or detached garage), from all forms of loss unless they are specifically excluded in the policy.

Coverage is provided for a wide range of perils including, but not limited to fire, windstorm damage, damage from falling objects, lightning, explosion, and more. In most cases, a regular mobile home policy will not cover your mobile home while it's being moved.

Protection for your personal effects.

Your policy also includes protection against a wide range of perils for your personal property, whether it's inside the mobile home or in an adjacent structure like a shed. Personal property coverage also applies while your property is away from your home, but with a lower maximum limit and a smaller range of perils insured against.

Personal liability protection.

In cartoons all you have to do to keep people from slipping and falling is to make sure there are no rogue banana peels lying around. Unfortunately, accidents can happen in the real world and, if you unintentionally cause bodily injury or property damage to someone who doesn't live in your home, you could be faced with large, out-of-pocket expenses due to court costs or damages.

Your policy can pay for the medical expenses of someone who does not live in your home in addition to the damages or defense costs due to a covered accidental circumstance.


GEICO will help you set up a policy that is tailored to your needs through the GEICO Insurance Agency. You'll get a policy that's right for you while still paying a great rate and having access to GEICO's top rated customer service. To get mobile home insurance, start by getting your free quote online or by calling us at (800) 841-3005.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Mobile home coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.