What is Mobile Home - Older?
Mobile Home - Older insurance is a type of homeowners coverage designed specifically for older manufactured homes. These homes are typically built before 1976, the year the U.S. Department of Housing and Urban Development (HUD) began regulating mobile home construction standards. Because older mobile homes may not meet current safety or building codes, they often require specialized coverage that accounts for their age, condition, and potential risks.
Who Needs It
Anyone who owns and lives in an older mobile home should consider this type of insurance. It’s especially important for:
- Homeowners with mobile homes built before 1976
- Landowners who rent out older manufactured homes
- Buyers of older mobile homes who need coverage to meet lender or park requirements
What It Typically Covers
Mobile Home - Older insurance typically includes protection for:
- Dwelling coverage – Repairs or replaces your mobile home if damaged by covered perils like fire, wind, or vandalism
- Personal property – Covers belongings inside the home, such as furniture, electronics, and clothing
- Liability protection – Helps pay legal or medical costs if someone is injured on your property
- Additional living expenses – Covers temporary housing if your home is uninhabitable due to a covered event
Common Exclusions and Limitations
Older mobile home insurance may not cover everything. Common exclusions include:
- Damage from floods or earthquakes (may require separate policies)
- Wear and tear or maintenance issues
- Damage due to outdated or unsafe electrical, plumbing, or heating systems
- Homes not properly anchored or maintained
Factors That Influence Cost
Several factors can affect the cost of insuring an older mobile home:
- Age and condition of the home
- Location, including proximity to coastlines or high-risk weather zones
- Value of the home and personal property
- Type of foundation and anchoring system
- Security features and fire protection systems
Proof of Insurance & Compliance
Many mobile home parks, lenders, and even some local governments require proof of insurance for older mobile homes. Requirements vary by state, but having an appropriate policy in place can help you stay compliant and protect your investment. Ask your insurer for a certificate of insurance to share with any third parties who request it.
How to Get a Quote
Getting a quote is easy. Provide some basic information about your mobile home, including its age, size, location, and current condition. Our team can help you find coverage options that fit your needs.
Get a quote today to protect your older mobile home.
Frequently Asked Questions
Can I insure a mobile home built before 1976?
Yes, many insurers offer specialized policies for mobile homes built before HUD standards were established in 1976.
Does this coverage include storm damage?
Most policies cover wind and hail damage, but coverage details vary. Flood and earthquake protection typically require separate policies.
What if my mobile home doesn't meet current code?
Insurers may still offer coverage, but you could face higher premiums or exclusions if your home lacks certain safety features or updates.
Is liability insurance included?
Yes, most policies include liability protection in case someone is injured on your property or you cause damage to others.
How do I prove my home is insured?
Your insurer can provide a certificate of insurance, which you can share with mobile home parks, lenders, or other parties.
Still have questions? Talk to a local insurance expert.