Mobile Home Insurance

Mobile and manufactured home insurance should be personal.

Whether it’s your full-time residence or a vacation spot, your mobile or manufactured home deserves specialized coverage. So do the porches, garages, and other additions you’ve made to your investment. And for something as personal as home, we believe nothing less than personal attention from a local agent will do. We’ll tailor your policy to your particular property and budget.

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Great rates on mobile home insurance from Virginia Farm Bureau. Talk to an agent today.

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What does homeowners insurance protect me against?

Fire or Lightning

Damage from electrical fires, kitchen fires, a candle left out or an iron left on, or a lightning strike that fries electronics and wiring

The Weight of Ice, Snow, or Sleet

Collapsed roofs, damaged gutters, leaks caused by ice dams, burst pipes caused by frozen heating units, structures damaged by falling trees

Windstorm or Hail

Damaged roofs, tornado damage, broken windows, damage from airborne objects, wind-driven moisture that seeps inside your home

Water Damage from Plumbing or Appliances

Busted lines to dishwashers, washing machines, and toilets that cause bubbled flooring, drywall damage, and appliance failure

Get coverage you can rely on.

We cover more than you might expect. Ask an agent about all the perils you’re protected against with Virginia Farm Bureau.

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What Mobile/Manufactured Home Insurance Can Include

What starts as a single wide or double wide quickly transforms into a unique home. Our agents can help sift through optional coverages you may need while tailoring the standard coverages to your situation and budget.

Home Structure

This coverage helps protect the four walls of your home. It covers damage to the physical structure of your home from disasters like falling trees and fire.

Other Structures

Garages, sheds, workshops, and even porches are considered separate structures from your factory-built home. This coverage protects those structures in case of damage.

Personal Property

Your personal belongings can be stolen, burned, waterlogged, and more. This coverage protects your furniture, bicycles, stereos, and more, even if they’re stored away from home.

Liability Protection

Liability insurance can help protect you if someone sues you for damages after being injured on your property, or if you injure someone else or their property.

Medical Payments to Others

Even if you’re not legally responsible, you may need to cover medical expenses for someone who was injured on your property. This coverage helps pay for those costs.

mobile home

Questions to Ask Your Agent

They're actually not. The biggest difference is their foundations. Modular homes, also known as factory-built or prefab homes, are placed on a permanent foundation and aren’t meant to move again. On the other hand, manufactured homes are built straight onto a steel chassis with wheels. This trailer “foundation” makes it a true mobile home that can be moved or towed.

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A typical policy covers the physical structure of your home, your personal belongings, and more. It’s similar to traditional homeowners insurance, but differs whether or not you own the land your home sits on and other factors. Your coverage should be customized to your specific situation, which is where a local agent can help. We’ll help you sort through the options and get just the coverage you need—without paying for unnecessary add-ons.

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Because when it comes to covering your things, it’s important to first know what stuff you’re covering. And that means taking an inventory. If you’re wondering how to fill out a home inventory, we’ve got you covered.

Home Inventory 101 for Virginians

Umbrella insurance isn’t only for the wealthy. Having an umbrella policy keeps a massive lawsuit from wiping out all your other assets. The coverage amount of these policies varies based on what you’re protecting.

Umbrella Insurance

Talk to an agent about mobile home insurance.

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