Mobile & Manufactured Home
Full homeowners-style protection built specifically for manufactured, mobile, and park-model homes.
This is an estimate, not a bound policy — a licensed VAB producer confirms final terms before coverage starts. Sgt. Savings can answer questions but can't quote, bind, or guarantee coverage.
Mobile & Manufactured Home coverage is a complete homeowners-style package built specifically for manufactured, mobile, and park-model homes — property types that a standard homeowners form often isn't designed to properly rate or cover. It bundles dwelling, other structures, personal property, and loss-of-use coverage with personal liability and medical payments to others, so owners of these homes get the same breadth of protection a site-built homeowner would expect, adapted to how manufactured housing is actually built, sited, and sometimes moved.
Who This Is Really For
The ideal buyer.
The ideal buyer owns a manufactured, mobile, or park-model home and has usually already tried, or at least inquired about, a standard homeowners policy — only to find that most standard forms simply aren't built to properly rate or cover this kind of property, whether it's the construction type, how it's sited, or the fact that it can sometimes be moved. Many of these buyers are first-time manufactured-home owners who assumed insuring it would work the same way as a site-built house, and are surprised to learn tie-down maintenance, vacancy terms, and transit coverage are real, specific conditions that don't map cleanly onto a typical homeowners form. This buyer wants the same real breadth of protection a site-built homeowner expects — dwelling, contents, liability, loss of use — not a stripped-down policy that treats their home as a lesser asset. What makes this line the right fit instead of forcing a standard homeowners policy to work is that it's built from the ground up around how manufactured housing is actually constructed, sited, tied down, and occasionally relocated, rather than adapting a form that was never designed for it.
- Owners of manufactured or mobile homes on owned or leased land
- Park-model home owners in a manufactured-housing community or seasonal park
- Owners whose manufactured home is tied down on a permanent foundation and needs full property and liability coverage
- Buyers who found that a standard homeowners policy wouldn't properly rate or cover their manufactured home
- Owners who occasionally have their home professionally transported and want to understand exactly when coverage does and doesn't apply during a move
What It Covers
Coverage, broken down.
Coverage A — Dwelling
Covers direct physical loss or damage to the manufactured, mobile, or park-model home itself from a covered cause of loss.
Coverage B — Other structures
Covers detached structures on the property — a shed, a carport, a deck — separate from the home itself.
Coverage C — Personal property
Covers your belongings inside the home — furniture, appliances, clothing, and other personal property — against a covered loss.
Coverage D — Loss of use
Pays additional living expenses if a covered loss makes the home temporarily uninhabitable, so you're not paying for lodging out of pocket while it's repaired.
Coverage E — Personal liability
Protects you if someone is injured or their property is damaged and you're found legally responsible, plus a legal defense for a covered claim.
Coverage F — Medical payments to others
Pays medical expenses for a guest injured on your property, regardless of fault, up to the policy's limit — a smaller, faster-paying complement to the liability coverage.
Illustrative Scenario — How This Coverage Responds
Illustrative scenario — a kitchen fire damages a manufactured home
Imagine an owner's manufactured home, permanently sited with its tie-downs properly maintained, suffers a kitchen fire that damages the dwelling structure, destroys a range of personal belongings, and forces the family to stay in a hotel while repairs are made. The policy pays for the direct physical damage to the home under Coverage A, the damaged belongings under Coverage C, and the additional hotel and living expenses under Coverage D for loss of use, all from the single covered fire. This is a hypothetical walkthrough to illustrate how the coverage responds — not a description of an actual claim.
Illustrative example for education only — not a claim outcome or a promise of payment. Every claim depends on the actual policy issued and its terms.
More Than One Way In
More scenarios.
Real coverage doesn't fit one story. Here's who else this shows up for.
The buyer whose homeowners application got declined
A new manufactured-home owner applies for a standard homeowners policy and is turned down, or quoted a policy that doesn't actually match how the home is built and sited. Moving to Mobile & Manufactured Home coverage gets the owner the same real breadth of protection — dwelling, contents, liability — purpose-built for the property type instead of forced into a mismatched form.
The park-model owner in a seasonal community
An owner of a park-model home in a seasonal manufactured-housing community wants full property and liability protection but isn't sure a standard policy even applies to that kind of housing. This line's coverage structure, built specifically around manufactured and park-model housing, covers the home the same way it would a permanently sited manufactured home.
The owner planning a professional relocation
An owner planning to have their manufactured home professionally moved to a new lot reaches out to confirm what's actually covered during the move. Learning that transit isn't automatically covered, the owner adds the transit endorsement before the move rather than assuming the standing policy protects the home in route.
Know The Gaps
What this doesn't cover.
Every policy has limits. Knowing them before you buy is how you avoid a denied claim later.
Earth movement and flood
Both are excluded from the base form — a manufactured home in an earthquake or flood-prone area needs to look at endorsements or a dedicated policy like Primary Private Flood to close the gap.
Ordinance or law costs, beyond a sublimit
If local code requires upgrades beyond simple repair after a covered loss, only a limited, sublimited amount is available for that increased construction cost — worth understanding in areas with strict current codes.
Wear-and-tear and faulty workmanship
Gradual deterioration and poor original construction or repair work aren't covered causes of loss — this policy responds to sudden, accidental damage, not the effects of age or a bad repair job.
Vacancy-related theft, vandalism, and water damage
If the home sits vacant for an extended period, theft, vandalism, and water damage coverage can be affected — an owner planning an extended absence should ask what the vacancy terms actually require.
Transit of the home, unless endorsed
Moving the home isn't automatically covered — if you're having it professionally relocated, you need to confirm a transit endorsement is in place beforehand, not assume the standing policy covers the move.
Failed tie-downs
Damage tied to a tie-down system that failed is excluded — properly installed and maintained tie-downs are a real condition of coverage for a manufactured or mobile home, not just a safety recommendation.
Motor vehicles, watercraft, aircraft, business pursuits, and abuse/molestation (liability side)
The personal liability coverage carries the same standard exclusions as a typical homeowners policy — vehicles, boats, aircraft, and business activity need their own coverage, and abuse/molestation claims are excluded across nearly all liability forms.
Behind The Quote
What goes into the decision.
What actually moves your price and your approval — no black box.
Tie-down installation and maintenance
Because damage tied to a failed tie-down system is excluded, properly installed and maintained tie-downs are treated as a real condition of coverage — an owner in a wind-prone area especially benefits from confirming this is done right, not just assumed.
Siting and foundation status
Whether the home is permanently sited on a foundation, set on leased land, or located in a seasonal park affects how the property is classified and rated, since these are meaningfully different risk profiles even within the same product.
Occupancy and vacancy patterns
Extended vacancy affects theft, vandalism, and water-damage coverage, so an owner who leaves the home unoccupied for stretches of the year — a seasonal or park-model owner especially — should confirm what the vacancy terms actually require to keep that coverage in place.
Plans to relocate the home
Transit of the home is excluded unless specifically endorsed, so an owner planning a professional move needs to add that endorsement before the relocation, not assume the standing policy already covers it.
Flood and earthquake exposure
Since both are excluded from the base form, a manufactured home's actual flood-zone status and seismic exposure shape whether additional coverage — like a dedicated flood policy — is worth adding alongside this one.
Let's get you covered.
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Availability
Available nationwide, with terms adapted to each state's requirements.
Questions, answered straight
No jargon on mobile & manufactured home — just what you're actually asking.
Yes — this is purpose-built for manufactured, mobile, and park-model homes, which a standard homeowners form often isn't designed to properly rate or cover given how these homes are constructed and sited.
Not automatically — transit of the home is excluded unless specifically endorsed. If you're having the home professionally relocated, confirm a transit endorsement is added before the move.
Damage connected to a failed tie-down system is excluded, which is why properly installed and maintained tie-downs are treated as a real condition of coverage, not just a recommendation.
Yes — Coverage E provides personal liability protection plus a legal defense if you're found responsible, and Coverage F separately pays medical expenses for an injured guest regardless of fault, up to the policy limit.
Extended vacancy can affect theft, vandalism, and water-damage coverage — if you plan to leave the home unoccupied for a stretch, ask what the policy's vacancy terms require to keep that coverage in place.
No — flood is excluded from this base form, the same as it is from most standard homeowners policies. A manufactured home in a flood-prone area should look at pairing this with a dedicated flood policy.
Beyond This Coverage
What people in your situation also need.
VA Home Loans
A veteran buying a manufactured or mobile home can pair the purchase financing with property coverage built specifically for that home type in the same conversation.
ExploreHome Warranty
Manufactured-home owners often want protection for major systems and appliances alongside the structural and liability coverage this line provides, since the two cover different kinds of risk.
ExplorePersonal Banking
A manufactured-home owner setting up their household finances around VAB has a natural entry point to pair everyday banking with the property coverage protecting their home.
ExploreRelated Coverage
Coverage people pair with this.
Primary Private Flood
Private-market flood coverage that stands on its own — no NFIP policy required.
Learn morePersonal Umbrella
Extra liability protection that kicks in after your home, auto, or other policy limits run out.
Learn moreExcess Property Coverage
A second layer of property protection when your primary limit isn't enough.
Learn moreReady to talk it through?
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Insurance products described on this page are marketed by The Veteran Alliance, a licensed insurance producer, and underwritten by one or more separately licensed insurance companies, which may include Corgi Insurance Company and its affiliates. The insurer that actually underwrites your policy, its licensing status in your state, and any state-required notices will be identified in your quote and policy documents. Coverage, limits, eligibility, and pricing are determined by the underwriting insurer, may vary by state, and may change. Nothing on this page is a quote, an offer of insurance, a binder, or a guarantee of coverage — coverage takes effect only when a policy is issued.