Renters insurance for mobile homes works just like it would if you lived in a condo or a house. It pays to replace your belongings after a covered event, reimburses you for legal or medical costs if a guest sustains an injury or suffers property damage, and covers the expenses incurred if your home is deemed uninhabitable.
Mobile Home Renters Insurance
Updated: February 6, 2026
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Key Takeaways
Mobile home renters insurance covers your personal belongings, liability claims and temporary living expenses after covered losses like fire, theft or vandalism.
Standard policies exclude flood damage, earthquake damage, intentional damage, normal wear and tear and your roommate's belongings.
Basic coverage for mobile homes with $20,000 personal property and $100,000 liability costs around $18 monthly, while $100,000 personal property coverage costs $52 monthly.
How Renters Insurance Works for Mobile Homes
What Does Mobile Home Renters Insurance Cover?
Even for mobile homes, renters insurance covers the three core facets: your belongings, your liabilities and your additional expenses.
Personal Property Coverage
Personal property coverage protects your belongings inside your mobile home from covered perils like theft, fire or vandalism. You'll receive reimbursement for damaged or stolen items such as furniture, electronics and clothing.
Personal Liability Coverage
This coverage pays for injuries or property damage you're legally responsible for causing. If a guest slips in your mobile home or you accidentally damage your neighbor's property, liability coverage handles the costs.
Additional Living Expenses (ALE)
Additional living expenses coverage pays for temporary housing, meals and other costs if your mobile home becomes unlivable after a covered loss. It reimburses hotel bills, restaurant expenses and storage fees while your home gets repaired.
What Isn’t Covered By Renters Insurance for Mobile Homes?
Renters insurance for mobile homes won't pay for flood damage, earthquakes or your roommate's stolen laptop. These exclusions can leave you with unexpected out-of-pocket costs if you're not prepared.
Flood Damage
Standard mobile home renters insurance doesn't cover flood damage to your belongings or temporary living expenses after flooding. Mobile homes sit closer to ground level than traditional housing, increasing flood risk. You'll need a separate flood insurance policy through the National Flood Insurance Program to protect against water damage from storms, overflowing rivers or heavy rainfall.
Earthquake Damage
Renters insurance excludes damage from earthquakes and earth movement affecting your mobile home. You must purchase a separate earthquake policy or endorsement to cover belongings damaged when seismic activity shifts or damages the structure.
Intentional Damage
Your policy won't pay for damage you cause deliberately to the mobile home or through illegal activities. Insurance companies deny claims when policyholders intentionally destroy property or engage in criminal acts.
Wear and Tear
Normal deterioration, maintenance issues and gradual damage aren't covered by mobile home renters insurance. Your policy protects against sudden, accidental losses, not predictable problems like rust on metal skirting, mold from poor ventilation or aging appliances in older mobile homes.
Roommate's Belongings
Your renters insurance only covers your personal property, not items belonging to roommates sharing the mobile home. Each person living in the mobile home needs their own policy to protect their belongings.
Does Renters Insurance Cover Mobile Homes In Transit?
Renters insurance won't cover your mobile home or belongings while the home is being transported to a new location. Standard renters policies only provide coverage when the mobile home sits at its permanent site in a mobile home park or on private property. Contact a specialized mobile home insurance provider or the transport company for coverage during the move.
Do You Need Renters Insurance for a Mobile Home?
Renters insurance isn't legally required for mobile home renters, but your landlord or mobile home park may require it as a lease condition. Most mobile home park owners mandate renters insurance to protect against liability claims and property damage. You'll face significant out-of-pocket costs without coverage if fire, theft or accidents damage your belongings.
How Much Is Renters Insurance for Mobile Homes?
Mobile home renters pay an average of $18 per month for renters insurance with $20,000 personal property coverage and $100,000 liability protection. Increasing your personal property coverage to $100,000 raises your monthly premium to $52, nearly triple the cost of basic coverage. Review the pricing breakdown below to compare costs across different coverage levels.
| $20K Personal Property / $100K Liability | $18 | $220 |
| $50K Personal Property / $100K Liability | $31 | $375 |
| $100K Personal Property / $100K Liability | $52 | $625 |
| $250K Personal Property / $300K Liability | $109 | $1,308 |
How to Buy Renters Insurance for Mobile Homes
Buying renters insurance for your mobile home takes less than 30 minutes when you follow a systematic approach. Compare quotes, review coverage options and purchase a policy that protects your belongings and finances.
- 1Calculate Your Personal Property Value
Add up the replacement cost of everything you own in your mobile home, from furniture to electronics. Use a home inventory app or spreadsheet to track items and their estimated values for accurate coverage.
- 2Get Quotes from Several Insurance Companies
Contact at least three insurers to compare premiums for the same coverage levels. Rate differences of 50% or more between companies are common, making comparison shopping worth your time.
- 3Examine Coverage Options and Limits
Review what each policy covers and verify liability limits meet your mobile home park's requirements. Pay attention to how the policy values your belongings, as replacement cost coverage costs more but provides better protection than actual cash value.
- 4Check for Money-Saving Discounts
Ask insurance agents about discounts for paying annually, installing security features or bundling with auto insurance. Some insurers offer reduced rates for mobile home residents who belong to community associations or homeowner groups.
- 5Finalize Your Purchase and Create an Inventory
Submit your application with accurate information about your mobile home and coverage preferences. Document your belongings with photos and receipts immediately after purchasing coverage to prepare for potential claims.
MONEYGEEK EXPERT TIP
Many insurers don't provide instant online quotes for mobile home renters insurance because they need details about your mobile home park, the home's age and construction type. Contact agents by phone or schedule in-person appointments to discuss your coverage needs and receive accurate premium estimates.
Ways to Save on Mobile Home Renters Insurance
You don't have to settle for the first quote you receive when shopping for mobile home renters insurance. Most insurers offer multiple discounts that can cut your premium by 20% to 40% or more when combined. Here are the most effective ways to lower your mobile home renters insurance costs.
Bundle with Auto Insurance:
Combining renters and auto policies with the same insurer typically saves 10% to 25% on both premiums. According to State Farm research, customers save up to $834 annually through bundling.
Install Safety Devices:
Installing safety devices can significantly reduce your mobile home renters insurance premiums. Security systems and burglar alarms typically earn you 5% to 15% off, while smoke detectors and monitored fire alarms save 5% to 10%. Even smaller additions like deadbolt locks and fire extinguishers can cut costs by 2% to 5% each.
Maintain Claims-Free History:
Going three to five years without filing claims can earn you 5% to 15% off premiums through loss-free discounts.
Pay Annually:
Some insurers discount premiums by 5% to 10% when you pay the full year upfront instead of monthly
Senior Discounts:
Renters aging 55 and older often qualify for mature customer discounts of 5% to 10%.
Professional Group Memberships
Alumni associations, professional organizations, and employer groups sometimes provide 5% to 15% member discounts.
Renters Insurance for Mobile Homes: Bottom Line
Mobile home renters need insurance to protect their belongings and meet lease requirements, with affordable options starting at $18 per month. Coverage protects you from financial losses after theft, fire or liability claims while excluding certain perils like floods and earthquakes. Contact multiple insurance agents to compare quotes and find a policy that fits your budget and coverage needs.
Mobile Home Insurance for Renters: FAQ
Find answers to frequently asked questions about protecting your mobile home with renters insurance.
Is renters insurance more expensive for mobile homes than apartments?
No, renters insurance costs roughly the same for mobile homes as it does for apartments or houses. Your premium depends on your coverage limits, deductible and location rather than your dwelling type.
Does my mobile home renters insurance cover items stored in a shed or detached storage?
Yes, your personal property coverage typically extends to belongings stored in detached structures on the same property. Coverage limits for items in storage units away from your mobile home may be lower, so check your policy details.
Can roommates share one renters insurance policy for a mobile home?
No, each roommate needs their own renters insurance policy to protect their individual belongings. Your policy only covers items you own, not property belonging to others sharing your mobile home.
Best Rates for Mobile Home Renters Insurance: Our Methodology
We collected mobile home renters insurance rates from Quadrant Information Services across all 50 states and evaluated customer satisfaction using the National Association of Insurance Commissioners (NAIC) complaint index, AM Best financial ratings and J.D. Power satisfaction scores. Our scoring weighs affordability (50%), customer experience (40%) and coverage options (10%).
Our sample mobile home renter has good credit (769-792 credit score) and no claims in five years. We gathered quotes for $20,000 personal property coverage, $100,000 liability protection and a $500 deductible, plus higher coverage limits for renters with more valuable belongings.
Buying Renters Insurance for Mobile Homes: Related Articles
About Katy McWhirter
Katy McWhirter is a certified marketer and a personal finance writer at MoneyGeek, covering nonprofit management, marketing, personal finance and education. Her works have been featured in Forbes, U.S. News & World Report and other foreign publications.
McWhirter holds a master’s degree in modern history from the University of York and a bachelor’s degree in social entrepreneurship from Belmont University. She earned her professional certificate in Marketing from The Chartered Institute of Marketing.
sources
- Lemonade. "The Ultimate Guide to Renters Insurance Coverage and Quotes, Made Easy." Accessed October 17, 2024.
- Travelers. "Renters Insurance." Accessed October 17, 2024.