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Mobile Home Insurance

Insurance designed specifically for mobile and manufactured homeowners.
Keep your mobile or manufactured home and belongings safe with mobile home insurance—it protects against most weather damage, fire, theft or vandalism, and more.
  • Two types of protection available: Replacement Cost Settlement, which pays to repair or replace your home without deducting for depreciation, and Actual Cash Settlement, which pays you for the cash value of your property based on its current condition.
  • Attached structures like porches/decks, garages and storage sheds are covered, too.
  • If something happens and you’re forced to vacate, we’ll reimburse you for living expenses like hotels and meals. Optional trip collision coverage is available, too, so your home is covered if it’s moved to a new location.
  • Liability coverage is included, so if you’re sued from a mishap in your home, your legal fees are covered.
  • Identity Protection Services are included with each policy.1
I need to learn more about mobile home insurance.
What qualifies as a mobile home? Collapsed Expanded

Mobile, modular and manufactured homes are all eligible to be covered with a mobile home insurance policy from MetLife Auto & Home.

What features are included with mobile home insurance policies? Collapsed Expanded

Our mobile home insurance policies provide comprehensive coverage with the following features:

  • Legal defense covers court costs if you’re sued for a covered claim. We’ll help you pay for attorneys, document preparation, or other related expenses.
  • Worldwide coverage, so that no matter where you are, if your personal belongings are lost, stolen or damaged, you’ll be covered.
  • Water backup coverage is optional coverage that will pay for costs if water backs up and damages your condo or belongings. Coverage includes spills and run-off from sewers, drains, and sump pump wells.
  • Liability protection protects your assets from personal liability, if someone is hurt or their property is damaged and you’re held responsible.
  • Trip collision coverage ensures that if you move your mobile or manufactured home from one site to another, it’s protected while it’s being moved. This way, you can focus on getting to your new address, not potential damages from the journey. This coverage is optional.
How can I save on a mobile home insurance policy from MetLife Auto & Home? Collapsed Expanded

There are a few ways you can save on your condo insurance with MetLife Auto & Home:

  • Safety discounts are available in most states. Your premiums will be lower if your mobile home has fire prevention systems, such as fire alarms, automatic sprinkler systems, smoke detectors, and fire extinguishers. Theft prevention systems, like central burglar alarms and deadbolt locks, may also qualify you for discounts.
  • Bundle your auto and home insurance. Consider purchasing a home policy with an auto policy from MetLife Auto & Home—it could save you up to 10%. Check out our Bundle and Save page for more details.
  • Ask about a newer mobile home discount. If your manufactured or mobile home is new, you may be eligible for more savings.
  • Consider choosing a higher deductible. The higher your deductible, the lower your premium. But always make sure that you’re financially able to pay your deductible if you have a loss.
What method do you use to pay claims? Collapsed Expanded

Our mobile home insurance policy features two different methods for paying claims: replacement cost settlement and actual cash value settlement.

  • Replacement Cost Settlement means we’ll pay to repair or replace your home and belongings without any deduction for depreciation, up to the amount of coverage purchased. For example, if your claim requires us to replace a laptop, we’ll pay for the full amount it was worth when you purchased it, not how much it’s worth today.
  • Actual Cash Value Settlement means we’ll pay you the actual cash value of your property based on its age and condition. This settlement method applies whether or not you actually repair/replace the property.

See the terms of the policy for information about which types of property these methods apply to and when.         

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