2026 Calculator
Mobile Home Insurance Calculator
Estimate your manufactured home insurance costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
What does mobile home insurance (HO-7) cover?
HO-7 covers your manufactured home structure, personal belongings, liability, and additional living expenses if displaced. It's specifically designed for mobile/manufactured homes which have different risk profiles than site-built homes.
Why is mobile home insurance different from regular homeowners?
Mobile homes face higher wind/hail risks and different construction standards. HO-7 policies are tailored to manufactured housing construction methods. Some traditional insurers won't cover mobile homes at all.
How much does mobile home insurance cost in 2026?
Mobile home insurance costs $700-$1,500 per year on average. Costs depend on home value, age, location, and whether it's permanently anchored. Homes in hurricane or tornado zones pay significantly more.