Manufactured home insurance, shopped across 20+ carriers
Manufactured home insurance (typically an HO-7 policy) is designed for factory-built homes constructed to HUD standards and placed on a permanent or semi-permanent site, covering the structure on an open-perils basis, personal property on a named-perils basis, and personal liability.
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Affordable manufactured home insurance in NV, AZ, UT, TX & OH
Owners of manufactured or mobile homes in NV, TX, OH, UT, or AZ. Standard HO-3 policies are generally unavailable for manufactured homes; specialized carriers offer HO-7 forms. Lenders and park landlords may require coverage.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Manufactured home insurance at a glance
- Standard homeowners policies (HO-3) generally do not cover manufactured homes. Manufactured homes are built to HUD standards rather than site-built codes; most standard carriers exclude them, requiring a specialized HO-7 or mobile-home policy form from carriers who write this class.
- Lenders and park landlords commonly require coverage. If your manufactured home is financed, your lender will require property coverage as a loan condition. If it sits in a land-lease community, the park operator may require both property and liability coverage.
- Replacement cost coverage is critical given depreciation. Older manufactured homes depreciate in value, but replacement cost coverage ensures you can replace the home at today's cost rather than receiving an actual cash value payout that may be far less than rebuilding requires.
- Nevada's desert climate creates specific wind and heat risks for manufactured homes. High winds, monsoon events, and extreme heat stress on manufactured home structures make comprehensive weather-peril coverage important for Nevada owners.
Source: Manufactured home insurance typically costs $500–$1,500/year for a standard HO-7 policy. Source: Reviews.com, Is Mobile Home Insurance Worth It? (2024); Bankrate, Average Cost of Homeowners Insurance (2025), bankrate.com.
Coverage explained
What manufactured home insurance covers
The details
The parts of a manufactured home policy
| Coverage | What it covers | Typically |
|---|---|---|
| Dwelling | The manufactured home structure itself, including factory-installed components | Required |
| Other structures | Detached carports, sheds, and outbuildings on the property | Required |
| Personal property | Furniture, appliances, clothing, and personal belongings inside the home | Required |
| Loss of use | Temporary living expenses if the home is uninhabitable after a covered loss | Required |
| Personal liability | Legal costs and damages for injuries or property damage you cause to others | Required |
| Medical payments | Medical costs for guests injured on the property regardless of fault | Required |
| Trip collision (transport coverage) | Damage to the home while it is being transported to a new site | Optional |
| Wind/hail coverage | Damage specifically from high winds and hail, which may be subject to a separate deductible | Varies by state |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does manufactured home insurance work?
Manufactured home insurance (often written as an HO-7 or a specialty form) is designed specifically for factory-built homes that meet HUD standards, which are constructed and transported differently from site-built homes. Because manufactured homes can be more susceptible to wind and fire losses, carriers typically use replacement cost or actual cash value coverage specific to manufactured housing. If the home is in a land-lease community or on owned land, coverage needs and eligibility may differ.
Pricing
What does manufactured home insurance cost?
Manufactured home insurance is typically less expensive than site-built homeowners coverage, though it varies by home age, value, and location.
| Coverage type | Typical annual range |
|---|---|
| HO-7 policy (structure + personal property + liability) | ~$700–$1,500 |
| Liability-only (park or lender minimum) | ~$200–$500 |
Typical ranges per industry sources. Most manufactured home owners pay $500–$1,500/year for a standard HO-7 policy. Nevada rates vary by ZIP code, home age, and park vs. owned land. Actual premiums depend on replacement cost value, deductible, and coverage options selected.
Source: Reviews.com, Is Mobile Home Insurance Worth It? (2024), reviews.com/insurance/homeowners/mobile-home/; Bankrate, Average Cost of Homeowners Insurance (2025), bankrate.com/insurance/homeowners-insurance/.
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
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Ways to save on manufactured home insurance
- Tie down and anchor your home properly. Properly anchored manufactured homes under FEMA and HUD standards have significantly lower wind-damage claim rates; many carriers offer premium credits for documented tie-down systems.
- Bundle with auto insurance. Adding manufactured home coverage to an existing auto policy with the same carrier typically earns a multi-policy discount of 5–20%.
- Choose a higher deductible. Raising your deductible from $500 to $1,000 or $2,000 can lower your annual premium by 10–20%; keep the deductible amount in accessible savings.
- Install smoke detectors, carbon monoxide detectors, and fire extinguishers. Documented safety devices demonstrate lower fire risk and can earn a premium discount from many HO-7 carriers.
- Keep a claims-free history. Three or more years without a claim typically earns a renewal discount and may qualify the policy for a preferred carrier program.
- Pay the annual premium in full. Most carriers offer a 3–8% discount for upfront full-year payment versus monthly installments.
Source: Bundling manufactured home coverage with auto insurance typically earns a multi-policy discount of 5–20%. Source: Reviews.com, Is Mobile Home Insurance Worth It? (2024), reviews.com/insurance/homeowners/mobile-home/.
Questions
Manufactured home insurance FAQ
Is a manufactured home the same as a mobile home for insurance?
Does my manufactured home policy cover flood or earthquake?
How much does manufactured home insurance cost in Nevada?
Is a manufactured home the same as a mobile home for insurance purposes?
Does my manufactured home policy cover flood or earthquake damage?
What does transit coverage for a manufactured home cover?
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