The short answer
Manufactured and mobile homes are insured on an HO-7 form. It covers the same core perils as a standard homeowners policy but frequently settles the structure at actual cash value rather than replacement cost, and wind cover may be limited or excluded in coastal states.
The differences that cost money
These are the clauses that decide claim size.
- Actual cash value settlement, which depreciates the structure heavily on older units.
- Separate, often higher, wind and hail deductibles.
- Transit and relocation damage typically excluded unless specifically endorsed.
- Anchoring and tie-down requirements as a condition of wind cover.
- Lower other-structures limits for carports, skirting, and decks.
How to get replacement cost
Some carriers offer a stated-value or replacement-cost endorsement on units under a certain age, usually 15–20 years. It is the single biggest improvement available on an HO-7 and is worth quoting specifically rather than accepting the default.
Check your settlement basis
Upload your policy to PolicyPal and we tell you whether the structure settles at ACV or replacement cost, what your wind deductible is, and whether tie-down conditions apply.
Frequently asked
- Is mobile home insurance required?
- Not by law, but lenders and most parks require it, and parks often set a minimum liability limit.
- Does it cover the home while being moved?
- Rarely by default. Transit cover is a separate endorsement, usually bought for the single move.
- Why is wind cover restricted?
- Manufactured homes have historically higher wind loss severity, so coastal carriers apply separate deductibles or exclude wind and require a separate windstorm policy.
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