Mobile Home Insurance

Protection Built for Mobile & Manufactured Homes

Mobile, modular and manufactured homes are built and anchored differently than site-built houses, so they require specialized insurance to account for those differences. Whether your home is in a park or on private land, Gateway Insurance offers policies designed specifically for these homes helping you protect what matters most.

Comprehensive Coverage, Tailored for Your Needs

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Dwelling Coverage

Coverage to repair or replace your home after damage from fire, wind, hail, or other covered disasters. Attached structures like carports and decks are often included.

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Personal Property

Covers your furniture, appliances, clothing, and belongings inside the home.

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Liability Protection

Covers injuries or accidents on your premises, just like a standard homeowners policy.

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Adjacent Structures

Protection for sheds, garages, or other outbuildings on your property.

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Additional Living Expenses

Coverage for those extra expenses/costs if you can't live in your home after a covered claim.

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Optional Coverages

Some policies can include flood coverage for contents, inland marine for property in transit, or coverage for satellite dishes, skirting, and tie-downs.

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Special Considerations for Manufactured Homes

Wind/Hail Deductibles

Many policies include a separate wind/hail deductible. We can explain your options and help you set a deductible that fits your budget.

Tie-Down & Skirting Requirements

Insurers may require proper tie-downs or skirting for eligibility and pricing. We help verify that your home meets these standards.

Replacement Cost vs. Actual Cash Value

Replacement cost covers your home for the amount needed to rebuild if applicable, while actual cash value pays a depreciated value. Gateway finds the best available option for your home's age and type.

Older Homes

Even older mobile homes can be insured, though coverage may be for actual cash value.

How Insurance Helps

When a severe hailstorm hits, many homes can suffer roof and siding damage. Mobile home insurance can help with siding and roof repairs. Gateway can help you have the right protection before disaster strikes.

Affordable Protection

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Credits for newer roofs, safety upgrades, and loss-free history

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Bundle with auto or other policies for more discounts

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Proof of coverage for park or lender requirements

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Mobile Home Insurance-Your Questions Answered

  • How is mobile home insurance different from regular home insurance?

    Policies are tailored for manufactured construction, unique risks, and coverage needs-Gateway can explain the difference .

  • Can I insure my older mobile home?

    Many carriers offer actual cash value coverage for older units-Gateway can find the best fit for your situation and explain your claim options.

  • Does mobile home insurance cover wind and hail?

    Absolutely-these are major risks in North Dakota and elsewhere, but they are often with a separate deductible.

Protect Your Manufactured or Modular Home

Whether you live in a mobile home park, rural area, or on private land, Gateway Insurance can help you secure dependable, affordable coverage. Request a quote today!