Mobile Home – Manufactured Home Insurance
Peace of Mind Mobile Home Insurance
Insuring a mobile home is similar to insuring a stick built home and offers similar coverage options. It is important that you combine the right coverage amounts with your manufactured home value and belongings. Mobile home insurance also includes premise liability coverage to further protect you.
Prefer to talk? Call or text 765-474-2300.
Mobile and Manufactured Home Insurance in Lafayette, Indiana
Manufactured homes need insurance built for how they’re constructed and where they sit. Lafayette Insurance insures mobile and manufactured homes in parks and communities around Lafayette and West Lafayette, as well as homes on private land throughout Tippecanoe County.
What mobile home insurance covers
- Your home: the structure, including attached decks, porches and skirting.
- Other structures: sheds, carports and detached garages.
- Personal property: furniture, electronics, clothing and appliances.
- Liability: protection if a guest is injured or you accidentally damage someone else’s property.
- Additional living expenses: help with temporary housing if a covered loss makes your home unlivable.
Replacement cost or actual cash value?
Newer manufactured homes can often be insured for replacement cost, which pays to replace the home with a comparable new one. Older homes may only qualify for actual cash value, which subtracts depreciation. We’ll explain what your home qualifies for and how it affects a claim.
Things that affect your rate
The year and make of your home, whether it’s properly tied down, whether it sits in a park or on your own land, the distance to a fire department and your claims history all factor in. Some lenders and park managers also have specific coverage requirements. We’ll make sure your policy meets them.
Companies that specialize in manufactured homes
Not every insurance company writes mobile homes, and those that do price them very differently. We represent Foremost, a long-time leader in manufactured home insurance, along with other carriers, so we can compare your options. See our Foremost page for more.
Mobile home insurance FAQs
Can I insure a mobile home I rent out?
Yes. Rental and seasonal manufactured homes can be insured, but they need a policy written for that use.
Can I bundle with my auto policy?
Often, yes. Pairing your mobile home with auto insurance may earn a discount, depending on the company.
Call 765-474-2300 for a mobile home insurance quote.
What sets our mobile home insurance companies apart
Companies we represent for mobile home insurance include Foremost and ERIE. Each one has its own strengths, and these are some of the options available through them:
- Guaranteed replacement cost: A guaranteed replacement cost option is available on manufactured and mobile homes.
- Small farm coverage: Farm property and farm liability coverage can be added to a manufactured home policy for a small farming operation.
Features, limits and availability vary by company and policy. Ask us which options fit you.
Our process
Compare Quotes from Lafayette Insurance
01. Provide Details
Tell us a little bit about what you are wanting to insure.
02. Discuss Coverages
We educate you on insurance coverages relevant to you.
03. Compare Quotes
We shop multiple companies to find the best rates and protection.
04. Pick Your Policy
Choose the insurance plan that works best for your individual needs.
Lafayette Insurance Reviews
What our Clients Say
★★★★★
Joe and his staff are top notch. I never worry if I have an issue involving insurance. They are there to help make the experience worry free and professional. It’s worth your time to give Lafayette Insurance a call.
Stacey Minier
★★★★★
Tremendous support from Joe Couch. He was readily-accessible, diligent, and a tremendous help through the process of switching policies. Would recommend to everyone.
Daniel Layman
★★★★★
Joe Sr. and Jr. are both professional and do the very best they can to get you the best deal possible. They have reached out to me to let me know of opportunities to decrease my rates before my terms were up so I could plan accordingly. They always answer when I text or call with a problem. Can’t say enough good things about this company or the people running it!
Jon Chapin
★★★★★
Very professional and responsive. After calling several agencies in the area, our quote was 15% lower than anywhere else!
Devon Moore
★★★★★
Joe Jr. looks out for you. Initially he had me with one insurance agency. 1 year in and upon finding a new deal, he contacted me, helped me save some money, and found a more reliant insurance company for my family’s vehicles. He is personable and offers good advice without trying to overexert influence. I have not had to deal with a wreck yet and working through a claim, but I will update this post if it happens.
Isaac Schumacher
★★★★★
They are very nice and will find the best deal for you. They also follow up with you in the future to better you in better insurance for less.
Jasen Shaver