Mobile Home Insurance
Coverage for your home, your belongings, and the life you’ve built around them.
An older mobile home can have insurance needs that are different from both a traditional house and a newer manufactured home. Finding the right coverage starts with understanding the home itself and the protection available for it.
Based in Albuquerque, Western Assurance Associates serves clients throughout New Mexico, Texas, Colorado, and Arizona. Our team can help you explore insurance options for your mobile home, belongings, and personal liability. We’ll take the time to understand your home and explain the coverage options available to you.
What can mobile home insurance help protect?
Mobile home insurance can provide several types of protection for your home, belongings, and personal liability. Your exact coverage will depend on the home, policy, limits, deductibles, and options you choose.
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Helps cover your mobile home after a covered loss, subject to the terms of your policy.
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Helps protect furniture, clothing, electronics, appliances, and other personal property inside your home.
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Helps cover certain detached structures on your property, such as garages, sheds, or porches.
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Helps protect you if you’re legally responsible for certain injuries to another person or damage to someone else’s property.
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Expenses Helps with certain extra living costs if a covered loss temporarily makes your home uninhabitable.
Mobile home or manufactured home?
The terms are often used interchangeably, but there is a technical difference.
Generally, factory-built homes constructed before June 15, 1976 are considered mobile homes, while newer homes built to federal HUD standards are classified as manufactured homes.
Not sure which you have? We can help you determine the right category.
Own a newer manufactured home? Learn about Manufactured Home Insurance →
What affects coverage for an older mobile home?
Age, condition, location, improvements, and other property details can all affect the insurance options available.
Older homes may not fit neatly into the same programs as newer properties.
We’ll help you explore the options that fit your specific home and situation.
What if your mobile home needs to be moved?
Transporting a mobile home can create risks that aren’t part of everyday homeownership.
Coverage during transit may require special protection or a separate endorsement, depending on the policy.
Talk with us before the move so we can help you explore what coverage may be available.
Coverage that fits
the home you own.
Every mobile home is different, and the available insurance options can be too.
At Western Assurance Associates, we’ll take the time to understand your property, explain your options clearly, and help you explore coverage that fits your home and your needs.