Mobile home insurance costs $250 to $2,500 per year in 2026
Mobile home insurance costs $250 to $2,500 per year in 2026. Bob Vila lists a national average of $1,307 a year. NerdWallet lists $800 to $2,000. ValuePenguin says rates run from under $1,000 to nearly $2,500. Price moves with where you live, the age and value of the home, the company, and how much coverage you pick. Compare several quotes.
What price guides say
We checked 3 price guides and read every number on their pages on October 7, 2026. They do not all measure the same thing, so read each line for what it counts.
| Source | What it found |
|---|---|
| Bob Vila | Bob Vila lists a $1,307 national average per year and a range of $250 to $1,500, against $1,687 for standard homeowners insurance. |
| NerdWallet | NerdWallet lists an average of $800 to $2,000 per year and about $1,267 for Foremost. |
| ValuePenguin | ValuePenguin lists rates from under $1,000 to nearly $2,500 a year, with $969 for Assurant and $1,607 for Foremost on a 10 year old single wide. |
Mobile home insurance price by source and company
| Item | Price per year | Source |
|---|---|---|
| National average | $1,307 | Bob Vila |
| Typical range | $250 to $1,500 | Bob Vila |
| Standard homeowners, for comparison | $1,687 | Bob Vila |
| Average range | $800 to $2,000 | NerdWallet |
| Foremost average | $1,267 | NerdWallet |
| Assurant, 10 year old single wide | $969 | ValuePenguin |
| Foremost, 10 year old single wide | $1,607 | ValuePenguin |
| Overall range | Under $1,000 to nearly $2,500 | ValuePenguin |
Every number in this table was read on one of the source pages listed at the bottom of this page.
What pushes the price up
| What | Why it matters |
|---|---|
| Where you live | Rates change by city. ValuePenguin lists $969 a year in Indianapolis and $1,607 in Austin for the same $63,000 mobile home. |
| The company you pick | Each insurer prices a home in its own way. ValuePenguin lists Assurant at $969, American Modern at $1,025, and Foremost at $1,607 a year. |
| Age and value of the home | Older homes can cost more to cover. NerdWallet names home age and replacement cost as top factors in your rate. |
| Coverage limits and deductible | More coverage costs more. NerdWallet says limits, options, and your deductible all change what you pay each year. |
| Risk of storms and claims history | Homes in areas with storms cost more to cover. NerdWallet names natural disaster risk and past claims as rate factors. |
What the price includes
A policy usually covers the home, your things inside, damage to others, and living costs if the home cannot be used after a covered loss. Floods and earthquakes are often not covered and need a separate policy. Bob Vila lists a $1,307 national average, compared with $1,687 for standard homeowners insurance. Read what is covered before you buy. It does not include tax or extras the provider adds on the day.
Who charges this and how it is billed
Mobile home insurance is sold by insurers that focus on manufactured homes and by large home insurers. NerdWallet and ValuePenguin name American Modern, Assurant, and Foremost. You pay a yearly premium, or split it into monthly payments. If you have a loan, the lender may need proof of cover and may collect the premium with your payment. Your premium can change at renewal, so compare quotes each year.
When you need this
You need mobile home insurance if you own the home, because a loan lender often requires it, and because a fire or storm can cost you the whole home. Renters in a park may also want cover for their things. Park owners may ask for proof of insurance. Buy it before you move in.
How to judge your quote
- Does the policy cover the home, your things, and damage to others?
- Is the home covered at replacement cost or at actual cash value?
- What is the deductible, and is there a separate one for wind or hail?
- Are floods and earthquakes left out, and what would extra cover cost?
- Compare the total with the range above: $250 to $2,500 per year for most people in 2026.
Ways to pay less
- Get quotes from at least three insurers. ValuePenguin shows $969 to $1,607 for the same home, depending on the company.
- Raise your deductible. NerdWallet names the deductible as a rate factor, so a higher one can lower your yearly bill.
- Bundle policies with one insurer. Ask for a discount if you add auto or other cover to your mobile home policy.
- Insure the right amount. NerdWallet names replacement cost as a rate factor, so do not insure for more than you need.
- Make the home safer. Add smoke alarms, tie downs, and a newer roof, and ask each insurer which upgrades earn a lower rate.
How we got these numbers
The range on this page comes from Bob Vila, NerdWallet and ValuePenguin. We opened each source page and read every number on it on October 7, 2026. Where the sources disagree, the table above shows each one so you can see the spread. These are planning ranges, not quotes. The written price you are given is the real price.
Common questions
How much is mobile home insurance a year?
Bob Vila lists a $1,307 national average. NerdWallet lists $800 to $2,000. ValuePenguin lists under $1,000 to nearly $2,500.
Is it cheaper than regular home insurance?
Often yes. Bob Vila lists $1,307 for mobile home insurance and $1,687 for standard homeowners insurance.
Why do prices differ so much?
Location, home age, coverage, and the company all matter. ValuePenguin lists $969 in Indianapolis and $1,607 in Austin for the same home.
How much does a company like Foremost charge?
NerdWallet lists about $1,267 a year for Foremost. ValuePenguin lists $1,607 for a 10 year old single wide in a park.
Does the policy cover floods?
Usually not. Flood and earthquake cover often need a separate policy. Ask your agent what is left out.