Standard homeowners policies don’t cover mobile or manufactured homes. You need a dedicated mobile home (MH) policy that accounts for the specific construction, foundation, and risk profile of these homes. Safenet Insurance Group writes mobile and manufactured home insurance across NC for singlewides, doublewides, and triple-wides. Call (336) 280-4606 or quote online.
What Mobile Home Insurance Covers
- Dwelling â the home itself for fire, wind, hail, lightning, theft, and vandalism
- Other structures â sheds, decks, carports, detached garages
- Personal property â your belongings inside
- Personal liability â if someone is hurt on your property
- Medical payments â for smaller medical bills for guests
- Loss of use â hotel and meals if the home is uninhabitable
- Trip collision (optional) â covers the home when being transported
Why Mobile Homes Need Specialty Coverage
Mobile and manufactured homes have construction characteristics â chassis, tie-downs, lighter materials â that standard homeowners policies aren’t designed for. Wind and hurricane exposure is meaningfully higher than for site-built homes. Older mobile homes (pre-1976 HUD code) can be harder to insure with standard carriers. We have access to specialty MH markets that price these factors correctly.
Replacement Cost vs. Actual Cash Value
Many mobile home policies default to actual cash value (depreciated) settlements. We strongly recommend replacement cost on the dwelling whenever it’s available â depreciation on an older mobile home can wipe out the payout after a total loss.
Frequently Asked Questions
Can I bundle mobile home and auto?
Yes â most carriers offer 10â20% multi-policy discounts for bundling mobile home with auto.
Do I need flood insurance on a mobile home?
If you’re in a FEMA-designated flood zone, yes â and lender-required. Even outside flood zones, mobile homes can be vulnerable to localized flooding. See our flood insurance page.
How much does mobile home insurance cost in NC?
Typical NC mobile home premiums run $500â$1,500 per year depending on age, value, location, wind zone, and roof condition.
Get a Mobile Home Insurance Quote
Call Safenet Insurance Group at (336) 280-4606 or quote online.