HomeInsurance ProductsPersonal Insurance › Mobile & Manufactured Home Insurance

Personal Insurance

Mobile & Manufactured Home Insurance in Missouri

Mobile and manufactured homes need specialized coverage — a standard homeowners policy won't cut it. We'll find the right policy designed specifically for your home.

Start a Free Quote

What Is Mobile Home Insurance?

Mobile and manufactured home insurance provides specialized coverage for homes that are built in a factory and transported to their permanent site. Standard homeowners insurance (HO-3) does not cover mobile or manufactured homes, so you need a policy specifically designed for this type of housing.

Insurance Plus can insure not just your individual mobile home, but can also work with mobile home communities. Our coverage options protect your home, your personal belongings, detached structures, and provide liability protection for incidents on your property.

What Mobile Home Insurance Covers

A mobile home insurance policy provides many of the same protections as a traditional homeowners policy, but tailored specifically for manufactured housing. This includes coverage for the dwelling structure, personal belongings, detached structures like carports and garages, and living expenses if your home becomes uninhabitable due to a covered loss.

Liability coverage protects you financially if someone is injured on your property, up to the limits you select on your policy.

What's Typically Covered

Dwelling coverage for your mobile home
Detached structures (carport, garage, shed)
Personal property / belongings
Additional living expenses
Personal liability protection
Medical payments to others
Trip collision coverage (during transport)
Flood and earthquake options available separately

Why Choose Insurance Plus?

Multiple Carriers

We compare options across our carrier network so you get the best coverage at the best price.

Personal Service

A dedicated advisor who knows your family and your policies — not a call center.

Claims Support

We advocate for you during the claims process from start to finish.

Frequently Asked Questions

No — standard homeowners insurance (HO-3) does not cover mobile or manufactured homes. You need a specialized mobile home insurance policy designed for this type of housing.
Both are factory-built. Homes built after June 15, 1976 are technically 'manufactured homes' and must meet HUD standards. The terms are often used interchangeably for insurance purposes.
Mobile home insurance covers the structure and your belongings. If you own the land, you may need additional coverage depending on your situation. We'll help you determine the right setup.
Mobile home insurance is generally affordable. Your premium depends on the home's age, condition, location, and the coverage limits you choose.

Protect What Matters Most

Get a personalized insurance review from our Columbia, MO team.