Mobile Home Insurance New York

Mobile Home Insurance in New York

With the help of our knowledgable agents, you can gain access to affordable and comprehensive Mobile Home Insurance in New York & Pennsylvania.

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Upstate Insurance Agency | Insurance in New York + Pennsylvania

What is mobile home insurance?

Mobile home insurance is a specialized form of coverage designed to protect mobile and manufactured homes from a range of risks, including damage from natural disasters, fire, theft, and liability. Mobile homes, also known as manufactured homes, are built in a factory and transported to their permanent location. Because of their unique structure and placement, these homes require specific insurance coverage that differs from traditional homeowners insurance.

Mobile Home Insurance New York

Why is manufactured home insurance important in New York?

Manufactured home insurance is crucial for residents of New York who own or live in mobile or manufactured homes. While New York is not prone to extreme weather like hurricanes, it still experiences harsh winters, heavy snowfalls, and strong winds, all of which may damage mobile homes. Furthermore, theft or vandalism may also be a concern, especially in more isolated or rural areas.

Without proper insurance coverage, homeowners may be left paying out-of-pocket for expensive repairs or replacement of their home and personal belongings. Manufactured home insurance ensures that these risks are mitigated, providing protection for the home, its contents, and any liability issues that may arise.

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What does mobile home insurance cover?

Mobile home insurance in New York typically includes several essential coverage areas:

  1. Dwelling coverage: This covers the structure of the mobile or manufactured home itself. If the home is damaged by a covered event, such as fire, wind, or hail, dwelling coverage will pay for repairs or rebuilding costs.
  2. Personal property coverage: This part of the policy protects your belongings, such as furniture, electronics, clothing, and appliances. If these items are damaged or stolen, personal property coverage helps cover the cost of replacing them.
  3. Liability coverage: If someone is injured while on your property, liability coverage helps pay for medical bills, legal expenses, and any damages awarded in a lawsuit.
  4. Additional living expenses (ALE): If your mobile home becomes uninhabitable due to a covered event, ALE coverage may help pay for temporary living arrangements, such as hotel stays, meals, and other related expenses while your home is being repaired or rebuilt.
  5. Other structures coverage: If you have additional structures on your property, such as a shed or detached garage, this coverage will help pay for repairs or replacement if they are damaged by a covered peril.

Mobile home insurance policies may be tailored to meet your specific needs, offering various options to adjust coverage limits and deductibles.

  • Mobile home insurance differs from traditional homeowners insurance primarily because mobile homes are constructed differently and face unique risks. While both types of insurance provide coverage for the structure, personal belongings, and liability, mobile home insurance is specifically designed for homes that are built off-site and transported to their final location. As a result, mobile homes are generally more susceptible to certain types of damage, such as wind and weather-related incidents, which mobile home insurance policies are structured to address.

    Additionally, mobile homes typically have different foundation types, often being set on blocks or piers, unlike the permanent foundations seen in traditional homes. This makes them more vulnerable to movement or weather elements, which is reflected in the coverage. Mobile home insurance may also offer more specific protections for the way the home is anchored or installed, whereas traditional homeowners insurance is tailored for homes with permanent structures.

  • Yes, you can obtain mobile home insurance if your home is financed. In fact, most lenders require insurance as a condition of financing to protect their investment in the property. When you finance a mobile home, the lender will typically ask you to provide proof of insurance coverage that meets their requirements. This insurance not only protects the lender’s interest but also provides you with financial security in the event of damage or loss. Be sure to discuss your options with an insurance agent to find a policy that suits both your needs and the lender’s requirements.

  • Yes, there is a difference in coverage for single-wide versus double-wide mobile homes, primarily due to their size, construction, and value. Single-wide mobile homes typically have a smaller square footage, which can result in lower insurance premiums and coverage limits compared to double-wide homes. Double-wide mobile homes, being larger and often more valuable, may require higher coverage limits to adequately protect against potential damages. 

    Additionally, the complexity of a double-wide home’s structure, which may include multiple sections and more elaborate features, can influence the type and cost of coverage. Insurance providers often assess these factors when determining the policy terms and pricing for each type of mobile home, so it’s essential to discuss your specific needs with an insurance agent to ensure you have the appropriate coverage.

  • The cost of mobile home insurance in New York can be influenced by several factors, including:

    1. Location: The geographic location of the mobile home plays a significant role. Areas prone to natural disasters, such as hurricanes, floods, or earthquakes, may lead to higher premiums.
    2. Home Value: The value of the mobile home itself, including its age and condition, impacts insurance costs. Newer, well-maintained homes typically cost less to insure than older ones.
    3. Coverage Options: The type and amount of coverage selected, such as liability coverage, property damage, and personal property protection, will affect the overall premium.
    4. Deductibles: Choosing higher deductibles can lower premium costs, while lower deductibles generally result in higher premiums.
    5. Credit Score: Insurers may consider the homeowner’s credit score when determining rates, as a better credit history can lead to lower premiums.
    6. Claims History: A history of previous insurance claims can lead to higher premiums, as insurers view it as an indicator of risk.
    7. Manufacturing Standards: Mobile homes built to higher safety and construction standards may receive lower premiums compared to those that do not meet specific criteria.


    Understanding these factors can help homeowners in New York better anticipate their mobile home insurance costs and find suitable coverage options.

How can New York homeowners obtain mobile home insurance?

Reach out to the independent agents at Upstate Insurance Agency for a fast quote on mobile home insurance in New York. Our experienced team understands the unique needs of mobile and manufactured homeowners, ensuring you receive personalized coverage tailored to protect your property and assets. Whether you need protection from natural disasters, theft, or liability, we may help you find the right policy at an affordable rate. 

Upstate Insurance Agency

For any questions or concerns, reach out to our independent insurance agents.

Office Location:

1020 7th North St. Suite 210 Liverpool, NY 13088