Mobile Home Insurance

Get peace of mind with mobile or manufactured home insurance.

Mobile home insurance, like traditional homeowners' insurance, is designed to cover the physical structure of your home and your personal belongings. Whether you live there full–time or only seasonally, GEICO is here to make insuring your manufactured home easy.

Get a free online quote for mobile home insurance within minutes today. Customize your coverages with a payment plan that fits your budget. Start a quote today.

It's easy to get affordable mobile or manufactured home insurance coverage with the GEICO Insurance Agency. With an online quote, you can quickly customize coverages and a payment plan that fits your budget. Start your mobile or manufactured home insurance quote today!

What is mobile or manufactured home insurance?

A mobile or manufactured home policy provides coverage for your personal property and the physical structure of your home against incidents like:

  • Fire
  • Wind
  • Hail
  • Water damage (excluding flood)
  • Theft
  • Hurricanes
  • Visitor injuries

See our breakdown of homeowners insurance for manufactured homes below.

Why do I need mobile or manufactured home insurance?

While manufactured home insurance often isn't a legal requirement, most mortgage lenders require it. Additionally, mobile home insurance guarantees security for your most important investments. Safeguard your home and your belongings by getting a customized mobile home insurance quote today.

What does mobile or manufactured insurance cover?

Standard Coverages

Here are some common standard coverages for a mobile or manufactured home policy:

  • Dwelling coverage for the physical structure of your home
  • Personal property coverage for things like electronics, appliances, furniture, and clothing
  • Other structures coverage for sheds or other unattached buildings
  • Medical and liability coverages for medical expenses and/or legal fees if someone is injured on your property

Optional Coverages

Have personal items with extra value? You can add optional coverage on top of your standard mobile home or manufactured home insurance policy for things that need better than standard protection like:

  • Collectibles
  • Jewelry
  • Sports equipment
  • Musical instruments, and more

Additional Policies

Consider one of these additional policies to protect against specific risks:

  • Identity theft protection to safeguard your identity from security breaches
  • Jewelry insurance to cover your precious valuables, like watches and rings
  • Flood insurance protects your home and property from severe water damage

Discounts Available for Eligible Customers

Age of Home Discount — Depending on the age of your home, you may qualify for this discount.

Loss Free Discount — If you have not had any recent claims, you may qualify for this discount.

New Purchase Discount — If you are a new homeowner, congratulations! You may qualify for this discount where available.

Tie Down and Fully Skirted Discount — If your manufactured home is tied down, fully skirted, and meets certain other criteria, you may qualify for this discount. This discount will be determined by a number of specific characteristics obtained during the quoting process.

Manage your mobile or manufactured home insurance policy easily.

GEICO Agents

Meet with a local agent to learn more about buying mobile or manufactured home insurance. Customize your policy based on your needs and budget.

Policy Service and Claims

Contact the GEICO Insurance Agency partner for help with:

  • Paying a bill
  • Reporting a claim
  • Changes or updates to a policy
  • Additional info about your policy

Multi-Policy Discount

You may qualify for a multi-policy discount on your GEICO auto policy if you also insure your mobile or manufactured home through the GEICO Insurance Agency LLC.

Mobile or Manufactured Home Insurance Agent Contact Times

If you need to speak with an insurance agent about mobile or manufactured home insurance in Florida, please call (866) 324-6517.

  • Florida
  • Mon — Fri
    8:00 AM — 10:00 PM (ET)

For all other States, please call (866) 324-6517.

  • All Other States
  • Mon — Fri
    8:00 AM — 10:00 PM (ET)
  • Sat
    10:00 AM — 5:00 PM (ET)
  • Sun

Mobile or Manufactured Home Insurance: Get the answers you're looking for.

  • What's the difference between mobile and manufactured homes?
    The difference between mobile and manufactured homes depends on the factory-built date. Mobile homes and manufactured homes are regulated by U.S. Department of Housing and Urban Development (HUD). According to HUD, a mobile home is a factory-built home before June 15, 1976. A manufactured home is a factory-built home after June 15, 1976.
  • Should I get flood insurance if I have a mobile or manufactured home insurance policy?
    Do you think your home is safe from flooding because you don't live near the coast? Floods can occur anywhere and outside of high-risk flood zones. Most mobile home insurance policies don't cover flood damage. You may want to consider flood insurance.
  • How much does mobile home insurance cost?
    Many factors impact the cost of your mobile home insurance rate such as the age, condition and location of your home. Your coverage limits and claims history will matter too. According to an average rate study, the average mobile home insurance cost is between $300 and $1000 annually. In some situations, mobile home insurance can cost more.
  • Is mobile or manufactured home insurance required?
    Mobile home insurance (also known as manufactured home insurance) is similar to a standard homeowners insurance policy. If your home is damaged, you have some financial protection. Mobile or manufactured home insurance is not required by law, but a mortgage company and/or mobile home community may require homeowners to purchase coverage.
  • How much coverage do I need for mobile or manufactured home insurance?
    Everybody's situation is unique, but consider how much personal property and assets you want to protect. Get a quote today and tailor an insurance policy that fits your needs and a budget!
  • Is there a GEICO Local Agent near me?
    You can find your closest agent(s) here!

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 and manufactured home coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC. Not available in all states.

The information you provide will be shared with our business partners so that they can return a quote.

When you click on the "Start Quote" button or "mobile home insurance quote" link you will be taken to a site owned by Assurant, not GEICO. GEICO has no control over the privacy practices of the company mentioned above and assumes no responsibilities in connection with your use of their website. Any information that you provide directly to them is subject to the privacy policy posted on their website.