Mobile Home Insurance in New York
Comprehensive protection designed specifically for manufactured and mobile homes. Your home deserves coverage that understands its unique needs.
Why Mobile Home Insurance Matters
Mobile and manufactured homes face unique risks that standard homeowners insurance doesn't cover. From wind damage vulnerability to transportation-related concerns, specialized coverage ensures your home and belongings are properly protected. Most lenders and mobile home parks require proof of insurance as a condition of your agreement.
What Is Mobile Home Insurance?
Mobile home insurance (also called manufactured home insurance) is a specialized policy designed to protect factory-built homes that can be transported. Unlike traditional site-built homes, mobile and manufactured homes have unique construction methods, foundation types, and risk profiles that require tailored coverage.
Your policy typically covers the structure itself, your personal belongings inside, liability protection if someone is injured on your property, and additional living expenses if your home becomes uninhabitable due to a covered loss. Some policies also cover attached structures like porches, decks, and carports.
Whether you own a single-wide, double-wide, or triple-wide manufactured home, whether it sits on rented land in a mobile home park or on property you own, we can help you find the right coverage to protect your investment and give you peace of mind.
Types of Homes We Cover
- ✓Single-wide mobile homes
- ✓Double-wide manufactured homes
- ✓Triple-wide homes
- ✓Modular homes
- ✓Park model RVs (seasonal)
- ✓Older mobile homes (pre-1976)
What's Covered vs. What's Not Covered
Typically Covered
- Dwelling/Structure Coverage
Repairs or replacement of your mobile home from covered perils like fire, wind, hail, and vandalism
- Personal Property
Your belongings inside the home including furniture, electronics, clothing, and appliances
- Liability Protection
Coverage if someone is injured on your property and you're found legally responsible
- Additional Living Expenses
Hotel, meals, and other costs if you can't live in your home during repairs
- Other Structures
Attached or detached structures like porches, decks, sheds, and carports
- Medical Payments
Minor medical expenses for guests injured on your property, regardless of fault
Common Exclusions
- Flood Damage
Rising water from floods requires separate flood insurance policy through NFIP or private carrier
- Earthquake Damage
Ground movement and resulting damage typically requires separate earthquake coverage
- Normal Wear and Maintenance
Gradual deterioration, rust, mold from neglect, and general maintenance issues
- Intentional Damage
Damage you or household members cause intentionally is not covered
- Vacant Home Damage
Coverage may be limited if home is vacant for extended periods (typically 30-60 days)
- Damage During Transport
Moving your home requires special transit coverage - notify your insurer before relocating
Not Sure What Coverage You Need?
Our agents specialize in mobile home insurance and can help you find the right coverage at the right price.
Coverage Options for Your Mobile Home
Replacement Cost vs. Actual Cash Value
Replacement Cost Coverage
Pays to repair or replace your home and belongings with new items of similar quality, without deducting for depreciation. This is the better option if your home is in good condition and you want maximum protection.
Actual Cash Value (ACV)
Pays the depreciated value of your home and belongings at the time of loss. Lower premiums but you receive less in a claim. May be the only option for older mobile homes.
Liability Coverage Limits
Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else's property. Standard limits typically range from $100,000 to $500,000, but you can increase protection with a personal umbrella policy.
Recommendation: We typically suggest at least $300,000 in liability coverage for most mobile home owners. If you have significant assets to protect, consider higher limits or adding an umbrella policy.
Optional Coverages to Consider
- •Trip Collision: Coverage while your home is being transported
- •Scheduled Personal Property: Extra coverage for jewelry, collectibles, firearms
- •Water Backup: Coverage for sewer or drain backup damage
- •Identity Theft: Recovery services and expense reimbursement
- •Equipment Breakdown: Coverage for HVAC, water heater, and appliance failures
- •Flood Insurance: Separate policy for flood protection
How Much Does Mobile Home Insurance Cost?
Mobile home insurance in New York typically costs between $300 and $1,500 per year, though your actual premium depends on several factors. Here's what affects your rate:
Factors That Increase Premium
- ↑Higher home value or replacement cost
- ↑Older mobile home (pre-1976 especially)
- ↑High-risk location (flood zone, coastal area)
- ↑Claims history on the property
- ↑Lower deductible chosen
- ↑Wood stove or space heater use
Ways to Save on Premium
- ↓Bundle with auto insurance (multi-policy discount)
- ↓Install smoke detectors and security system
- ↓Choose a higher deductible
- ↓Maintain claims-free history
- ↓New or newer manufactured home
- ↓Permanent foundation installation
Approximate Annual Premium Ranges
*These are general estimates. Your actual premium will be based on your specific home, location, coverage needs, and chosen deductible. Contact us for an accurate quote.
Mobile Home Park Insurance Considerations
If your mobile home is located in a mobile home park or community, there are some important insurance considerations to keep in mind:
What the Park Typically Covers
- • Common areas and community buildings
- • Park roads and infrastructure
- • The land your home sits on
- • Park-owned utilities up to your lot
The park's insurance does NOT cover your home or belongings.
What You Need to Insure
- • Your mobile home structure
- • All personal belongings inside
- • Attached structures (deck, porch, carport)
- • Detached structures (shed, garage) you own
- • Your liability for injuries on your lot
Park Lease Requirements
Most mobile home parks require you to maintain insurance as a condition of your lease. They may specify minimum coverage amounts and require you to provide a certificate of insurance. We can help ensure your policy meets your park's requirements and provide the necessary documentation.
Filing a Mobile Home Insurance Claim
If you experience damage to your mobile home, here's what to do:
Ensure Safety First
If there's immediate danger (fire, gas leak, structural damage), evacuate and call 911. Don't re-enter until authorities say it's safe.
Document the Damage
Take photos and video of all damage before making temporary repairs. Make a detailed list of damaged or destroyed items with estimated values.
Prevent Further Damage
Make reasonable temporary repairs to prevent additional damage (tarping a roof, boarding windows). Keep all receipts - these expenses are usually covered.
Contact Us Immediately
Call our office at 585-657-6101 to report the claim. We'll help you through the process and ensure your claim is filed correctly and quickly.
Work with the Adjuster
An insurance adjuster will inspect the damage. Be present if possible to point out all damage. Don't dispose of damaged items until the adjuster has seen them.
Frequently Asked Questions
Is mobile home insurance required in New York?
While New York State does not legally require mobile home insurance, most lenders and mobile home parks require proof of coverage. Even if not required, insurance protects your significant investment from fire, theft, weather damage, and liability claims.
How much does mobile home insurance cost in NY?
Mobile home insurance in New York typically costs between $300 and $1,500 per year, depending on the home value, age, location, coverage limits, and deductible chosen. Single-wide homes generally cost less to insure than double-wide or triple-wide manufactured homes.
What is the difference between mobile home and manufactured home insurance?
The terms are often used interchangeably in insurance. Technically, manufactured homes were built after June 15, 1976, when HUD construction standards took effect. Mobile homes were built before this date. Both require specialized coverage different from traditional homeowners insurance.
Does homeowners insurance cover mobile homes?
Standard homeowners insurance policies typically do not cover mobile or manufactured homes because of their unique construction. Mobile homes require specialized policies designed for their specific risks, construction methods, and transportation history.
Can I get replacement cost coverage for my mobile home?
Yes, many insurers offer replacement cost coverage that pays to replace your mobile home with a new one of similar quality without depreciation deductions. This costs more than actual cash value coverage but provides significantly better protection.
What happens to my insurance if I move my mobile home?
You must notify your insurance company before moving your mobile home. Coverage may be suspended during transport, and you may need special transit coverage. Once relocated, your policy will need updating to reflect the new location and any new risks.
Related Coverage Options
Consider these additional coverages to fully protect yourself and your property:
Flood Insurance
Protect your home from flood damage - not covered by standard policies.
Personal Umbrella
Extra liability protection beyond your mobile home policy limits.
Auto Insurance
Bundle with your mobile home policy for multi-policy discounts.
Identity Theft
Recovery services and expense coverage for identity theft victims.
Important Information
This information is provided for educational purposes only and does not constitute insurance advice. Coverage features, exclusions, and availability may vary by state and insurance carrier. All coverage is subject to policy terms, conditions, and exclusions.
Please review your policy carefully and consult with a licensed insurance professional to determine appropriate coverage for your specific situation. Premium estimates are general ranges and your actual cost may vary based on individual underwriting factors.
The Stan Steele Agency is licensed to conduct business in New York State. License information available upon request.
Protect Your Mobile Home Today
Don't leave your manufactured home unprotected. Get a free quote and discover how affordable comprehensive coverage can be.
Why Choose Stan Steele Agency?
- ✓ Multiple carriers for competitive rates
- ✓ Experience with all types of manufactured homes
- ✓ Help meeting mobile home park requirements
- ✓ Local, personal service since 1969
- ✓ Fast certificates and policy documents
Serving Western New York mobile home owners • Rochester, Buffalo, Syracuse and surrounding areas
