Coverage Features for Mobile Home Insurance
- Optional Replacement Cost for homes up to 15 years old
- Comprehensive Coverage
- Covers wood stoves and corn burners
- Coverage for adjacent structures
- Competitive commissions available
- Suitable for owner-occupied, seasonal, rental, and tenant-occupied homes
- No photo required for homes 10 years old or newer
- Accepts vintage and older homes
- Increased Additional Living Expense Coverage
- New Food Spoilage Coverage
- Covers other structures more than 100 feet from the insured dwelling
- Optional Identity Fraud Expense Coverage
Breakdown Endorsement
Expands the mobile home insurance policy to include sudden and accidental failure of electrical and mechanical systems.
- Only $15 additional premium
- Standard $500 deductible
- Option to reduce deductible to $250 for an additional $30
Breakdown Endorsement Covers:
- Built-in systems and added components
- Central heating and cooling systems
- Home security systems
- Computer equipment
- Entertainment equipment (e.g., plasma TVs, satellite dishes)
- Many more items—if it’s plugged in, it’s likely covered!
About This Program from J.M. Wilson
J.M. Wilson offers a flexible and competitive Mobile Home Insurance program designed to meet the diverse needs of your clients. Whether you're working with an owner-occupied dwelling, seasonal use property, or mobile home used as a rental, this program provides the coverage solutions and underwriting support you need to place business with confidence.
Ideal Accounts and Appetite
We are currently seeing success with a wide range of mobile home accounts, including older and vintage homes, units with wood stoves or corn burners, and properties with auxiliary structures. Homes up to 15 years old may qualify for optional replacement cost coverage, and there’s no photo required for homes 10 years old or newer. If you have a client with a seasonal or tenant-occupied mobile home in need of standard or enhanced coverage, this program is a great fit.
Underwriting Advantages and Service
Our personal lines team prioritizes fast turnaround—most quotes are returned within 24 hours, often the same day. We offer direct bill options for many accounts, and our experienced underwriters are available to assist with online rating, phone quotes, coverage questions, and financing when needed.
Territories and Carrier Access
This program is available in multiple states, including AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. As a Managing General Agency and E&S Lines Broker, J.M. Wilson offers access to A-rated markets, both admitted and non-admitted, giving you the flexibility to place challenging or non-standard risks.
Why Partner with J.M. Wilson?
With decades of experience in specialty lines, J.M. Wilson is committed to putting customers first. Our knowledgeable team is here to help you solve problems, find underwriting solutions, and deliver the best options for your clients with speed and confidence. Whether you’re placing a basic mobile home or a complex seasonal rental with multiple structures, we’re ready to support you every step of the way.
Frequently Asked Questions
What types of mobile home risks are best suited for this program?
This program works well for owner-occupied, seasonal, rental, and tenant-occupied mobile homes, including older or vintage homes and those with wood stoves or corn burners.
Is replacement cost coverage available?
Yes, optional replacement cost coverage is available for homes up to 15 years old, helping your clients protect their property investment more fully.
What is the breakdown endorsement, and what does it cover?
The breakdown endorsement adds coverage for sudden and accidental failure of mechanical and electrical systems, including central HVAC, home security systems, and entertainment equipment.
Do I need to submit photos for every insured home?
No, photos are not required for homes that are 10 years old or newer, simplifying the submission process for newer risks.
In which states is this mobile home insurance program available?
This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Need help placing an account? Connect with a market specialist.