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Was your mobile home manufactured before 1976 and you are looking for older mobile home insurance? Here's what you need to know.

Older mobile home insurance

The number of mobile homes in the U.S. has been steadily decreasing over the last several years. In 2015, there were 6.8 million homes, a number that plummeted to 2.88 million by 2020. Experts predict that by 2023, there will only be 1.72 million mobile homes left in the U.S. That can make it much harder to find the right mobile home insurance, especially when you need insurance for older mobile homes.

Before you buy mobile home insurance, it’s important to understand the clear distinction in how mobile homes and manufactured homes are handled in the insurance realm.

Mobile homes are commonly defined as properties built before 1976. Any properties designed after 1976 are considered manufactured homes, even if they are similar in design and size to older mobile homes. This is because mobile homes were not really regulated until 1976 when the Department of Housing and Urban Development (HUD) created building standards under the Manufactured Home Construction and Safety Standards (MHCSS). After that, homes built in compliance with MHCSS became known as manufactured homes. If you own an older mobile home, you will need mobile home insurance, not manufactured home insurance.

It can get a little confusing, but you can use our expert tips to find the best older mobile home insurance for your family.

What does mobile home insurance for older mobile homes cover?

Coverage can vary considerably from provider to provider, so be sure to compare multiple quotesto see who offers the coverage you need at the best rate.

Dwelling coverage

Dwelling coverage protects the physical structure of your property. It covers things like the roof, attached deck, and walls of your mobile home. Should your home become damaged due to a covered peril, your dwelling coverage kicks in to pay for either the repair or replacement of those damages. The recommended amount of minimum coverage for an older mobile home insurance policy is $30,000 for a single-unit mobile home or $45,000 for a double-wide mobile home.

Personal property coverage

While dwelling coverage protects your home's actual structure, personal property coverage is what projects your belongings inside. Should they become damaged or stolen due to a covered peril, your personal property coverage will pay for the repair or replacement. This includes such events as theft, fire, or wind damage. A home inventory can help you determine how much coverage you need to protect your belongings with personal property coverage for your older mobile home.

Personal liability coverage

Personal liability coverage will provide critical support should someone become injured on your property. If a guest were to slip or fall while visiting your home, your liability coverage would take care of any damages that arise from the incident. This includes any resulting legal bills. Most mobile home insurance policies offer around $300,000 in liability, but it is a good idea to bump your coverage to $500,000 just in case for an older mobile home insurance policy.

Coverage for additional living expenses (ALE) or loss-of-use

Sometimes, some damages are severe enough that they make your home uninhabitable. If you cannot live in your home due to certain damages, your insurance coverage includes additional living expenses or loss-of-use coverage. This will pay for living expenses for you to temporarily stay at either a hotel or rental property until your home is restored to a safe and habitable condition. It can also cover other expenses, like meals, laundry, and additional costs incurred while living outside the home.

Exclusions

There are some types of coverage that you may want to add to your policy to ensure you are fully protected. Some areas are especially susceptible to severe weather events. For example, if you live in states like Florida, Texas and Louisiana, you may want to consider adding flood insurance to protect yourself from the many hurricanes and storms that frequent the area. Other types of endorsements for older mobile homes include earthquake insurance, scheduled personal property for high-value possessions, and even identity theft coverage.

How to get mobile home insurance on an older mobile home

You can take some steps to buy the best cheap mobile home insurance for an older mobile home.

  1. Determine how much your older mobile home is worth.
  2. Create a home inventory of your belongings to determine how much you need in personal property coverage.
  3. Inquire about additional endorsements that you can add to your policy to provide the right amount of coverage for your older mobile home.
  4. Check the deductible to see how much you will have to pay out of pocket.

Finally, make sure you receive and compare quotes from multiple companies. Compare both coverage and pricing to see which home insurance company offers the best deal for your older mobile home insurance policy.

Best mobile home insurance companies for older mobile homes

Not all companies offer home insurance for older homes, making it that much harder to find the right provider for you.

These are 2021’s best mobile home insurance companies for older mobile homes.

Allstate

This includes a 5% discount when you are the original titleholder of your mobile home.

American Family

American Family offers its Diminishing Deductible program to give you graduated savings over time.

American Modern

This provider has been insuring mobile homes for over 50 years with additional protections to provide well-rounded insurance coverage for an older mobile home.

Assurant

Assurant partners with popular insurance companies like Geicoand Liberty Mutual to offer easy home and auto insurance bundles for all of your insurance needs.

Country Financial

Known for its superior customer service, Country Financial also offers limited mobile home insurance coverage to Illinois residents.

Foremost

A subsidiary of the more popular Farmers Insurance Group, this provider is specifically designed to offer mobile home insurance with comprehensive coverage.

State Farm

State Farm not only offers discounts based on the age and year of your mobile home, but there are also extra savings when you have a mobile home security system.

How much does mobile home insurance cost for an older home?

The cost of mobile home insurance typically ranges from $300 to $1,000 each year. However, the average homeowner's insurance rates by state vary considerably depending on where you live. For example, the average cost of mobile home insurance in Florida can cost anywhere from $860 to $2,400, depending on where you live in the state. Older mobile homes are especially common in Florida, but today, they are also becoming more prevalent in states like Nevada, Indiana, Kansas, Wisconsin, and Georgia.

Before pricing insurance coverage for an older mobile home, insurance companies will consider several rate factors, such as your home's age and condition, the amount of your deductible, your claims history, and the coverage limits you choose. An agent can help you review your options for coverage and pricing for your home so you can be sure to purchase the right policy for you.

How to reduce the cost of older mobile home insurance

There are some methods you can use to lower the cost of older mobile home insurance. These are ways that have been proven effective in how to reduce insurance costs on older mobile homes.

Consider coverage levels

You can adjust the amount of coverage you have on your policy to lower costs if necessary. Just be sure your coverage levels are adequate to cover you in the event of a claim.

Improve your credit

Insurance companies look to your credit score to determine how much to charge for your home insurance premiums. To reduce your mobile home insurance cost, you can improve your credit score for more affordable rates.

Increase the deductible

When you raise your deductible, it lowers the cost of your monthly premium. However, this means that you will have to pay more upfront if you incur a loss, so it’s best suited for those with some savings set aside.

Older mobile home insurance discounts

There are some providers who offer special discounts that owners of older mobile homes will find especially helpful in reducing the cost of older mobile home insurance.

Location

If your older mobile home is located in a mobile home park, you could be eligible for extra savings.

Safety devices

When you install smart home or security devices, you can earn extra discounts for having a safe home.

Age

Owners of older mobile homes can earn discounts based on their age, with some providers offering savings for those 50 years of age or older.

Continuous coverage

When you maintain uninterrupted coverage on your older mobile home, you could earn additional savings.

Claims-free

When you do not file a claim within a certain period, your mobile home insurance company could reward you with a cheaper premium due to the lower risk.

Paper-free statements

When you opt for electronic statements, many insurance companies will reward you for doing your part for the environment with extra discounts.

Other discounts that may be available include savings for bundling policies, non-smokers, a new roof, auto-pay, and AARP members or AAA members.

Frequently asked questions about older mobile home insurance

How do I find out how old my mobile home is?

Today, manufacturers will place a HUD certification label to indicate a manufactured home's date, but that isn’t always the case with older mobile homes. Without this tag, you will need to check your mobile home's sale documents to determine its age.

Why is it sometimes difficult to get insurance coverage for an older mobile home?

The Department of Housing and Urban Development (HUD) has regulated mobile homes since 1976, even relabeling them as manufactured homes. However, homes made before this date have building and safety conditions that are unregulated, thus posing additional risk to insurers.

Can I get replacement cost insurance on an older mobile home?

Replacement cost insurance is an extra kind of protection that will ensure that your home and belongings are repaired or replaced in similar condition and value as what was lost. Insurance companies like State Farm and Allstate both offer replacement cost coverage for your mobile home.

Is mobile home insurance required on older mobile homes?

Most areas do not require you to maintain older mobile home insurance, but it is always recommended given the property's age. Additionally, many mortgage companies and mobile home communities specifically stipulate that owners of older mobile homes must carry adequate mobile home insurance.