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Mobile home insurance to keep you on solid ground

Get the protection you need with manufactured home insurance through our USAA Insurance Agency alliances.

Get a Foremost quote

What's mobile home insurance?

Mobile home insurance, also known as manufactured home insurance, is coverage for most portable homes made in a factory.

It can help protect your property from things like theft, vandalism, fire, and water damage from burst pipes. Plus, it can cover hail, hurricanes and tornadoes. But if you live in a high-risk coastal area, you may also need windstorm insurance.

The USAA Insurance Agency works with Foremost to help you get coverage that meets your needs. If you need to insure a modular home, you can get a free quote for USAA Homeowners Insurance.

Introducing American Modern Insurance Group®

We know having options matters. That’s why we’re adding another provider to help protect your home.

Like Foremost, American Modern® has a history of covering a variety of manufactured homes. Plus, they offer coverage in most states, with a range of options to fit your needs.

They have a dedicated team ready to help USAA members. 

Call 888-580-4555

For TTY devices, dial 711

Hours

Monday to Friday:
7:00 a.m. to 7 p.m. CT

Types of homes you can insure

You may hear mobile home, trailer home, manufactured home and tiny home used interchangeably. They also may share similar features. Here are some key takeaways for each style of mobile home that our alliances cover.

Manufactured homes

  • Built in a factory and later set up on your property
  • Placed on a metal frame instead of a crawlspace or basement
  • Sometimes tied down without a permanent foundation

Mobile homes

  • Delivered to your property in one or more pieces
  • Usually cost less per square foot than a traditional home
  • Can be placed on a basement or crawlspace

Tiny homes

  • Typically span between 100 and 400 square feet
  • Built on travel trailer beds or a foundation
  • Usually cost less than a new, single-family home

What does mobile home insurance cover?‍ ‍ See note 1

Your home and other structures

This includes the house, permanently attached items and surrounding structures like a garage or shed.

Personal belongings

A policy can help pay to repair or replace your personal belongings at their actual cash value if they're stolen or damaged by a covered loss.

Claims against you

If you're at fault for someone's injuries or property damage, personal liability could help pay for legal and medical costs.

Temporary living expenses

If a covered event leaves your home unlivable, this helps pay for rent or hotel costs, and a reasonable increase in other expenses that maintain your standard of living.

Miscellaneous

A policy can help cover debris removal, credit card and check forgery, food spoilage and more.

Add even more protection.

Here are some common add-ons for your policy:

  • 30-day coverage while you move
  • Hobby farm or ranch liability
  • Personal injury protection
  • Replacement cost coverage for your home and belongings
Get a Foremost quote

Why get a policy through USAA Insurance Agency?

We have long-standing alliances with other insurance providers, and we monitor these relationships to make sure they meet our standards.

You can get help from specially trained representatives who'll serve you at the level you expect.

Other policies you may need

Flood insurance

Most mobile home policies don't cover floods. Even if you don't live in an area prone to flooding, severe weather may cause water damage to your home.

Learn more about flood insurance

Umbrella insurance

An umbrella policy can pick up where your mobile home liability coverage leaves off and help you pay for the remainder of a claim that exceeds its limits.

Learn more about umbrella insurance

Farm and ranch insurance

If your home or work is tied to farming or ranching, you can get coverage for your livestock, equipment, stables and more.

Learn more about farm insurance

Mobile home insurance FAQ

Not by law, but some mortgage companies or mobile home parks may require proof of insurance.

Several factors affect how much you pay for mobile home insurance. These include where you live, the cost to replace your mobile home, and the coverage and deductible options you choose.

A higher deductible can mean a lower monthly premium. But you may pay more out of pocket if you file a claim. With a lower deductible amount, you may pay a little more per month but wouldn't be responsible for larger out-of-pocket costs with a covered claim.

Both types of homes are built in a factory in multiple pieces and assembled on site. But mobile homes aren’t typically placed on permanent foundations, while modular homes are.

Mobile homes are also built to federal standards, meaning they can be placed in or moved to any state across the country. Modular homes follow local building code because they’re not meant to be moved.

For modular homes, you'll need homeowners insurance.

Your policy can help protect against things like theft and vandalism, but it may not cover items that you accidentally damage or lose.

For more protection, you can get Valuable Personal Property, or VPP, insurance. It helps cover items like jewelry, smartwatches, guns, cameras, and more from accidental damage or loss without a deductible.

If you have a collection that’s not covered by a VPP policy, like stamps, coins or vintage toys, you can help protect your things with collectibles insurance.

Related resources on mobile home living

Guide to mobile home living

Article: 7 minutes

Read article: Guide to mobile home living

Is mobile home living right for you?

Article: 5 minutes

Read article: Is mobile home living right for you?

Stay grounded with the right mobile home insurance.

Get a Foremost quote

Have more questions?

Speak with a specialist from Foremost to get coverage that’s right for you.

Call 877-327-6690

For TTY devices, dial 711

Hours

Monday to Friday:
7:00 a.m. to 7 p.m. CT

Related footnotes:

  1. IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Related footnotes:

  1. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  2. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

  3. The National Flood Insurance Program is not underwritten by United Services Automobile Association (USAA) or its affiliates based in San Antonio, Texas, and is provided by USAA General Indemnity Company (USAA-GIC), through an arrangement with the Federal Emergency Management Agency. The Federal government has financial responsibility for underwriting losses. The National Flood Insurance Program USAA-GIC is not available in Guam, U.S. Virgin Islands, Puerto Rico or overseas.

    The typical homeowners or rental property insurance policy doesn't include flood coverage, and in some locations, you may also need to obtain a wind-only insurance policy. Flood insurance can be purchased separately through the National Flood Insurance Program. The maximum limits of coverage available on the federal flood policy for residences are $250,000 on the building and $100,000 on contents. If you need additional flood insurance coverage beyond these amounts, you can contact USAA Insurance Agency which works with other insurance companies that provide excess flood coverage. Private flood coverage is not affiliated with the National Flood Insurance Program.

  4. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

  5. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may vary or not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including but not limited to American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No. 2222-8) and American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1.)

    American Modern Insurance Group, American Modern, AMsuite, and Homeowners FLEX are registered trademarks of American Modern Insurance Group, Inc.

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