Own a manufactured or mobile home? It’s covered under its own type of policy — separate from standard homeowners insurance — designed around how these homes are built, financed, and titled.
What Does Mobile Home Insurance Cover?
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Dwelling coverage — protects the physical structure against risks like fire, wind, hail, and certain water damage
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Personal property coverage — covers belongings inside your home
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Liability protection — helps with costs if someone is injured on your property
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Additional living expenses — helps with temporary housing if your home becomes uninhabitable after a covered loss
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Tie-down/anchoring coverage — some policies include coverage related to skirting, anchoring, or transport, depending on the carrier
Mobile Home Insurance vs. Standard Homeowners Insurance
Manufactured homes are built and classified differently than site-built homes, so a standard homeowners policy usually isn’t the right fit. Mobile home insurance accounts for things like the home’s construction type, whether it’s on a permanent foundation, and if it’s in a land-lease community versus owned land — all of which affect coverage and pricing.
How to Find Affordable Mobile Home Coverage
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Bundle mobile home and auto insurance with the same carrier for potential savings
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Ask about discounts for skirting, tie-downs, or safety features like smoke detectors
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Compare multiple carriers, since not every insurer offers mobile home policies
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Work with an independent agent who knows which carriers actively write manufactured home coverage in your area
Why Work With a Local Independent Agency
Aloha Insurance Co is an independent agency based in Westminster, CO, which means we’re not limited to one insurance company. We compare options across our carrier network — including Foremost, National General, Travelers, Geico, Allstate, and Liberty Mutual — to help you find tailored, competitive mobile home coverage. As your needs change, we’re here to help you review your policy year after year.
We proudly serve manufactured and mobile homeowners across Westminster, Thornton, Northglenn, Arvada, Aurora, Broomfield, Commerce City, and the greater Denver metro area.
Get a Mobile Home Insurance Quote Near You
Whether you’re insuring a manufactured home for the first time or reviewing your current policy, Aloha Insurance Co is here to help you find coverage that fits.
📞 303-489-0889 | alohainsuranceco.com
Coverage and carrier availability vary by eligibility. Not a guaranteed quote or binding coverage. Not all products available in all states.
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