Manufactured and mobile home insurance1
Whether you live in your home year-round, or reside there seasonally, a State Farm® Manufactured Home policy can help pay for covered property damage, and covered claims for injury and liability claims made against you. For a manufactured/mobile home insurance quote, contact a State Farm agent.
What sets State Farm Manufactured Home Insurance apart?
19,000 agents
You get a dedicated agent with every policy. If you need a hand, your State Farm agent is ready to help.
Since 1964
You get the same reliable service from the #1 homeowners insurance provider in the U.S.2
At your service
You get your claim handled promptly and reliably.
What is a manufactured home?
Manufactured homes are built under a federal building code enacted in 1976 and administered by the U.S. Department of Housing and Urban Development (HUD). They are assembled in a factory and then transported to the site where the home will be lived in.
What does manufactured home insurance cover?
The State Farm Manufactured Home policy helps cover accidental, direct physical loss to your dwelling and named peril coverage for your personal property. What are some of the basic coverages we offer?
Property coverages
Coverage A (Dwelling)
Helps cover damage to your home and attached structures. This can include sheds, garages, greenhouses and even docks.
Coverage B (Personal property)
Helps cover your personal possessions that aren’t permanently attached to your home or your property if they are damaged or stolen.
Coverage C (Loss of use)
Helps cover increased living expenses if your home becomes uninhabitable because of a covered loss.
Liability coverages
Coverage L (Personal liability)
Helps provide protection against your legal liability for bodily injury or property damage to third parties if covered under the policy.
Coverage M (Medical payments to others)
Helps cover injuries on your property. Also known as guest-medical payments, it helps provide limited coverage for accidental injuries and related medical treatment if covered under the policy.
Additional coverages
May provide payment for damage to the property of others caused by the insured or for first-aid expenses to others incurred by the insured.
Coverage in action
Let’s say a tree falls on your manufactured home, making it uninhabitable. Manufactured home insurance would help pay for necessary repairs or replacement of the home. It may also cover increased living expenses like a hotel room while you are waiting on repairs or replacement during the period of restoration.
What does manufactured home insurance not cover?
While the State Farm Manufactured Home policy provides broad coverage, it does not provide coverage for every loss. What are some examples of losses not insured?
Certain natural disasters & other causes
Damage from flood, underground water, earthquakes, mudslides. If your community participates in the National Flood Insurance Program (NFIP), you can buy flood insurance coverage through agents enrolled in the NFIP-Direct program.
Damage caused by settling, deterioration, contamination, nuclear hazard, animals, birds or insects.
Structural
Damage caused by wear, tear, deterioration, workmanship, mechanical breakdown, continuous or repeated seepage or leakage of water or steam, and wet or dry rot.
Work-related
Business pursuits or professional services. Learn more about business owners policies.
How to save more on your mobile home insurance
Home alert discounts
You may qualify for insurance discounts if you install fire, smoke, or burglar alarms or other home monitoring systems.
Model year discounts
Depending on the year that your manufactured home was built, you may qualify for savings based on the age of your home.
Tenure discounts
You may qualify for premium savings based on the number of consecutive years you’ve insured a primary dwelling with State Farm.
How to customize your policy
State Farm can customize your policy to meet your needs. We have numerous coverage options.3
Replacement cost coverage4
Extends your coverage to include the cost of repair or replacement of your home and personal property, subject to the policy limits.
Cyber Event, Identity Restoration, and Fraud Loss coverage3
Assists in providing coverage if your identity has been used for fraudulent purposes.
Personal injury endorsement
Adds liability protection to your policy for things such as false arrest, wrongful eviction, slander, defamation and other types of personal injuries.
Earthquake and volcanic explosion coverage
This endorsement provides coverage for damage caused by earthquake or volcanic explosion that may otherwise not be covered.
Deductibles
Pick from the wide range of deductibles we offer.
Protect your place from electrical fires
State Farm and Ting could help you prevent electrical fires before they happen — for free.
Frequently asked questions about manufactured home insurance
Coverage options, deductibles, and discounts may affect your policy cost. Check with your State Farm agent to find out what best fits your needs and budget.
It varies by state. However, if you have a mortgage on your property, your lender may require you to have manufactured home insurance.
Most homeowners policies do not cover a mobile home. Both require different types of coverages.
No, State Farm does not offer flood insurance. Most flood insurance is written through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA).
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Additional insurance options
Personal property insurance
Extra coverage for your personal property
Pet insurance
Coverage for your pet
Homeowners insurance
Coverage for your home
Condo insurance
Coverage for your condominium
Renters insurance
Coverage for your stuff as a renter
Rental property insurance
Coverage for your rental property
Simple Insights®
Looking for help protecting your manufactured and mobile home? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
Manufactured homes: How safe are you?
Buying modern manufactured homes
The lease signing process: What you need to know
Creating a home inventory1 Use of the term “manufactured home” or “mobile home” on the page is a specific and exclusive reference to the manufactured home policy offered by State Farm.
2 Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2021.
3 Coverage varies by state. Check with your State Farm agent about which coverages might be available for you.
4 Replacement cost is not available for all homes. Check with your State Farm agent to learn if your home is eligible. Replacement cost is available for contents except when the home is rented.
This is only a general description of available coverages and is not a statement of contract. All coverages are subject to policy provisions and applicable endorsements. For further information, talk to your State Farm agent.
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