Dwelling
Coverage may apply to certain covered damage to the insured home according to policy terms and limits.
Mobile Home Insurance
Protection for the home you make your own.
Mobile and manufactured homes can have property insurance needs tied to the home, belongings, liability and how the residence is set up. Trinity can help you review available policy choices and carrier requirements.
Residential Protection
Coverage for the home,
belongings and certain liability risks.
01
Dwelling
Subject to policy terms
02
Personal Property
Qualifying belongings
03
Liability
Certain covered claims
04
Loss of Use
When provided by the policy
Your Residence
A mobile or manufactured home still needs residential protection.
Mobile and manufactured homes used as residences can be insured through residential property policies designed for this type of home. The exact form and eligibility depend on the property and carrier.
Policy details can address the structure, qualifying personal property, liability and additional living expenses after certain covered losses.
Coverage Categories
What may mobile home insurance include?
Available coverage depends on the carrier, property, policy form, limits and exclusions.
Other Structures
Qualifying detached property may have coverage when included by the policy.
Personal Property
Coverage may apply to qualifying belongings subject to policy limits, conditions and exclusions.
Personal Liability
Coverage may address certain covered claims involving injury or property damage for which an insured is liable.
Loss of Use
Certain policies may provide qualifying additional living expenses after a covered loss.
Medical Payments
Some policies provide limited coverage for qualifying medical expenses involving injuries to other people.
Property Details
The structure and setup of the home
can affect available policy choices.
About the Home
The carrier may ask more than the address.
Information about the residence can be part of the underwriting process. Requirements differ between carriers.
01
Year and home details
The age, size and other structural information may be requested.
02
Location
Property location can affect carrier availability and underwriting.
03
Installation & attachments
Carrier questions may include installation, additions and attached property features.
04
Occupancy
How the residence is occupied can affect the policy type and eligibility.
Policy Review
Details worth checking before choosing coverage.
Review the policy terms rather than relying only on the coverage name.
Dwelling Limit
Review the amount of property coverage shown for the insured residence.
Settlement Method
Check how covered property losses are valued under the policy.
Deductibles
Understand the deductible that may apply to a qualifying covered loss.
Exclusions
Review policy exclusions and limitations before selecting coverage.
Around the Home
The structure is only part of what matters.
A residential policy may also address qualifying personal belongings and certain property associated with the residence, subject to policy terms.
Qualifying household furniture may fall within personal property coverage.
Coverage depends on the applicable policy terms and limits.
Qualifying personal belongings may be included within the policy.
Some property or additions may require separate review with the carrier.
Home & Personal Property
Review both the residence
and the belongings kept inside.
Other Property Needs
Some risks may need separate insurance.
Flood Insurance
Flood damage is generally handled through separate flood coverage rather than a standard residential policy.
Earthquake Insurance
Earthquake protection may require separate coverage or an applicable endorsement where available.
Umbrella Insurance
Additional liability insurance may be available above qualifying underlying policy limits.
Getting Started
Start with the home and how it is used.
Basic property information can begin the mobile home insurance discussion.
01
Tell us about the home.
Share the address, year, size and basic property information.
02
Discuss the property.
Review belongings, additions, liability and related insurance needs.
03
Review policy choices.
Discuss available limits, deductibles and carrier requirements.
04
Choose your next step.
Review the policy information before selecting the coverage you want.
Mobile Home FAQ
Common questions.
Eligibility, terms and policy forms vary by carrier and property.
Mobile home insurance may include dwelling coverage, personal property, personal liability, medical payments and additional living expenses, depending on the policy issued.
Qualifying manufactured homes may be eligible for residential property insurance. Eligibility depends on the property and carrier requirements.
Many residential mobile or manufactured home policies may include coverage for qualifying personal property, subject to policy terms and limits.
Standard residential property insurance generally does not cover flood damage. Separate flood coverage may be needed.
Information may include the property address, home age, size, construction, installation, occupancy, prior coverage and other information requested by the carrier.
Coverage availability, property eligibility, policy terms, limits, deductibles, exclusions and underwriting requirements vary by carrier, state and residence. The examples on this page are general and do not determine whether a specific property or loss is covered. Insurance products are subject to the terms and conditions of the policy issued. Contact Trinity for product availability and coverage details.
Mobile Home Insurance
Protection shaped around the place you call home.
Tell Trinity about your mobile or manufactured home to begin reviewing available residential insurance options.