What type of home insurance covers mobile homes?
HO-7 home insurance policies are written specifically for mobile and manufactured homes in the U.S. It’s also worth noting that a distinction is made between ‘mobile homes’, which are trailer-sized homes built before June 15, 1976, and ‘manufactured homes’, which include any such homes built after that date.
While these two terms have specific meanings that are acknowledged by insurance and real estate professionals, ‘mobile homes’ is commonly used to describe all non-site-built homes in most cases across the country.
The term ‘mobile homes’ may also be used even more broadly to include the following:
- Park model homes - a moveable home of less than 400 square feet
- Stationary RVs - self-propelled vehicles with living space that are not being moved
- Stationary Travel Trailers - towable mobile living spaces that are not being moved
Does HO-7 mobile home insurance include hail and wind coverage?
Yes, HO-7 home insurance policies for mobile and manufactured homes typically provide ‘open peril’ (also called all-risk) coverage from any peril that is not included in the policy’s list of exclusions. Hailstorm and windstorm damage are included in all-risk home insurance coverage.
Does mobile home insurance have a deductible?
Mobile home insurance, like almost any other type of home insurance, will include a deductible for the primary policy. This is the amount you’d owe towards the repairs if you filed a claim on that policy for compensation from damages by one of the All Other Perils (AOP) written into the policy, but excluding wind and hail.
The wind and hail element of your home policy is often priced separately, carrying its own deductible. Wind and hail deductibles are sometimes priced as a flat rate, but more commonly they are calculated as a ‘percentage deductible’ which might be 1%, 2%, or even 5% of the total insured value of the property. Deductibles of this kind can easily reach several thousand dollars, costing significantly more than the average flat-rate deductible, which is often priced at $500 or $1,000.
The coverage that HO-7 insurance provides for your non-dwelling belongings is generally written for a set list of hazards, also called ‘named peril’ coverage.
How much should I pay for mobile home insurance in Arkansas?
Mobile home insurance prices vary by state, with local weather and other hazards playing a key part in where those prices are set. Across the U.S., the average HO-7 policy costs between $700 and $1,500 per year. Higher risk states like Florida and Texas tend to see mobile home coverage costs topping $2,000 annually.
Based on data from the Colorado Department of Insurance, wind and hail premium costs can represent up to 50% of the price of a homeowners policy overall.
This aligns with the fact that wind and hail claims are the most common ones made on homeowners policies across the United States, and that the number of wind/hail claims continues to rise year over year with increases in repair costs and changes in weather patterns.
Separate wind and hail deductibles with percentage pricing are a way for insurance companies to continue to insure homes in states with higher wind/hail risk without pricing themselves out of business. By sharing the risk of wind and hail damage to site-built and mobile homeowners through the use of percentage deductibles, home insurance premiums can be held at an acceptable level.
How can I pay off a high wind/hail deductible on my mobile home insurance?
An add-on or supplemental deductible relief insurance policy can be purchased alongside a traditional home policy. With the addition of this extra coverage, the homeowner can eliminate the potential of financial stress after filing a claim on their home policy.
A supplemental policy like Sola’s Wind and Hail insurance can be written to the exact dollar amount needed to cover the wind and hail deductible, the replacement of a roof, or the other surprise costs that come with an insurance claim and home repairs.
With this safety net in place, the homeowner can make claims on both policies at once, using the homeowners policy to cover damages to their home, while the Sola Wind and Hail payout helps to cover the home deductible. By covering the gap of expense that the home policy does not, the Sola payout leaves the homeowner free from out-of-pocket expense, and made whole with a professionally repaired home.
Sources:
Schlichter, Sarah. “How to Find the Best Manufactured and Mobile Home Insurance”, NerdWallet, May 28, 2025, https://www.nerdwallet.com/insurance/homeowners/learn/mobile-home-insurance
Suh, Elissa. “Mobile Homes Are Booming—but Insuring Them Is Still Tricky and Pricey”, Realtor.com, June 26, 2025, https://www.realtor.com/advice/finance/mobile-home-insurance/
Gray is the Senior Content Specialist at Sola Insurance, working with the Sales and Marketing teams to provide helpful, valuable content for homeowners and agents. Gray has worked previously in finance, logistics, and advertising.
