Park home insurance protects manufactured and mobile homes and their contents. Typical coverage includes dwelling, personal property, liability, and additional living expenses. Flood and earthquake damage are often excluded and may require separate policies or endorsements. When choosing coverage, prioritize accurate dwelling and personal property limits, consider replacement-cost options, and compare insurers that specialize in manufactured-home policies. Regularly review your policy and keep an up-to-date inventory for faster claims.

What park home insurance covers

Park home insurance (also called manufactured or mobile home insurance) protects a residence that sits in a trailer park or on a leased lot. Policies typically combine coverage for the dwelling itself and the personal property inside. Common coverages include:
  • Dwelling (the structure and built-in fixtures)
  • Personal property (furniture, electronics, clothing)
  • Liability (if someone is injured on your property)
  • Additional living expenses or "loss of use" if you must live elsewhere after a covered loss
Insurers write these policies to reflect differences from site-built homes: construction type, foundation, and sometimes the age of the home.

Exclusions and endorsements to check

Policies often exclude or limit certain perils. Flood and earthquake damage are commonly excluded and may require separate coverage or endorsements. Typical add-ons you may need:
  • Flood insurance (through the National Flood Insurance Program or private insurers)
  • Earthquake coverage or state-specific earthquake plans
  • Replacement-cost endorsement for personal property or dwelling
  • Water-damage or sewer-backup endorsements
Read policy language carefully to understand limits, deductibles, and whether settlements use replacement cost or actual cash value.

Choosing the right policy for your park home

Start by listing what you own and estimating replacement costs. Key decisions include:
  • Dwelling coverage limit: should reflect rebuilding costs, not just market value.
  • Personal property coverage: replacement-cost coverage costs more but pays to replace items at current prices.
  • Liability limits: consider higher limits if you have frequent visitors or pets.
  • Deductible level: higher deductibles lower premiums but raise out-of-pocket costs after a loss.
Location matters. If you live in an area at risk for earthquakes, floods, or hurricanes, confirm whether those perils are included or require separate policies.

Practical tips and next steps

  • Compare quotes from several insurers and check whether they specialize in manufactured-home coverage.
  • Confirm whether your policy covers tied-down or skirted homes and whether it includes attached decks or carports.
  • Inventory valuables with photos and receipts to speed claims.
  • Review your policy annually or after home improvements.
Park home insurance protects both the structure and the belongings inside. The most important step is reading policy clauses and matching coverages and endorsements to your location and needs.

FAQs about Park Home Insurance

How is park home insurance different from standard homeowners insurance?
Park home insurance is written for manufactured or mobile homes and accounts for their construction, foundation, and park location. Coverage types (dwelling, personal property, liability) are similar, but exclusions and endorsements - like flood or earthquake - are more common.
Does park home insurance cover floods and earthquakes?
Flood and earthquake damage are commonly excluded from standard park home policies. Flood coverage is usually purchased separately through the National Flood Insurance Program or private carriers; earthquake coverage is typically an add-on or separate policy.
Should I choose replacement cost or actual cash value for my personal property?
Replacement-cost coverage pays to replace items at current prices and reduces out-of-pocket loss but costs more in premium. Actual cash value pays the depreciated value and may leave you underinsured after a loss.
What else should I check before buying a policy?
Confirm whether the policy covers tied-down or skirted homes, attached structures (decks, carports), liability limits, deductible amounts, and any age or condition restrictions on the home.

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