Mobile Home Insurance
Mobile and manufactured homes need a special policy built specifically for them — and we can insure not just your home, but the entire community.
What Is Mobile Home Insurance?
Mobile and manufactured homes are not eligible for coverage under a standard homeowners insurance policy (HO-3), so you need a special policy built specifically for mobile homes. The good news: a manufactured home policy covers more than the home itself. It can also cover detached structures on your property such as a carport or garage, your personal belongings, living expenses if your home is seriously damaged by a covered loss, and injuries that might occur on your property up to the limits you choose. Oklahoma Insurance Group can insure your mobile home — and we insure entire communities, too.
Why Mobile Home Insurance Matters
Owners who assume a standard homeowners policy applies often discover the gap at claim time, when it's too late to fix. Manufactured homes also carry different wind exposure than site-built houses, which makes carrier selection and tie-down credits genuinely important. The right policy rebuilds or replaces the home and keeps your family housed while it happens.
Who Needs Mobile Home Insurance?
Owners of mobile and manufactured homes across Oklahoma — whether the home sits on your own land or in a community — plus park and community owners who need coverage for the whole operation. Older homes that other carriers turn away are a problem we solve regularly.
Coverage Highlights
- Dwelling coverage built specifically for manufactured homes
- Detached structures — carports, garages, storage buildings
- Personal belongings coverage
- Living expense coverage after a covered loss
- Liability for injuries on your property
- Replacement cost and actual cash value options
- Coverage for entire mobile home communities
Local Considerations
Wind is the defining exposure for manufactured homes in central Oklahoma — NWS Norman recorded 152 tornadoes statewide in 2024, the highest annual total on record since 1950 — so we pay particular attention to wind coverage terms, deductibles, and anchoring credits when we quote. Replacement cost versus actual cash value settlement is the other decision that matters most here, and we'll walk you through both with real numbers.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Shop Multiple Carriers
We compare options across 24+ insurance companies to find coverage that actually fits — not just the cheapest number on paper.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Mobile Home Insurance Quote
We'll shop multiple carriers and walk you through your options — no obligation, no runaround.
Request a QuoteOther Coverage Options
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Let's Talk About Your Mobile Home Insurance
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.