Mobile Home Insurance HO-7 (May 2026)
$800–$1,200/year average. Coastal $1,500–$3,000+. Florida wind alone adds ~$1,020/yr. Foremost, American Modern, and Farmers are the specialty carriers.
Mobile vs manufactured vs modular — terminology matters
Pre-1976 mobile homes (true "trailers") are hard to insure and often need specialty carriers like Foremost. Post-1976 manufactured homes use HO-7 and have broad availability. Modular homes (factory-built but assembled on permanent foundation to local building code) are insured with standard HO-3, not HO-7. If you're shopping, confirm exactly which type you have before requesting quotes.
Quick Answer
- National average (HO-7): $800–$1,200/year for typical manufactured home.
- Cheapest profile: older single-wide rural — $300–$600/year.
- Most expensive: coastal/hurricane zone — $1,500–$3,000+/year.
- Florida wind delta: $1,392/year with wind coverage vs $372 without — wind alone adds ~$1,020/yr.
- Top specialty carriers: Foremost (Farmers-owned, largest), American Modern, Farmers.
- Pre-1976 mobile home: Foremost is one of few that will write coverage; expect higher premiums and limited coverage.
- Tie-downs: 5–25% discount in hurricane states. Often required for any coverage at all.
- Bundle with auto: 10–25% multi-policy discount available.
Cost by Profile (2026 Verified)
| Home profile | Annual range | Note |
|---|---|---|
| Older single-wide, basic coverage, rural area | $300–$600 | Pre-1976 "trailers" sometimes uninsurable; HUD-coded post-1976 manufactured homes more available. |
| Mid-age double-wide, standard coverage, non-coastal | $700–$1,100 | Most common buyer profile. Foremost and American Modern typically best. |
| Newer double-wide, replacement cost, non-coastal | $1,000–$1,600 | RCV-basis policies for post-2000 manufactured homes. |
| Coastal or hurricane zone (any age) | $1,500–$3,000+ | Wind coverage drives the premium. Some areas only sold via state windstorm pools (Florida Citizens, Texas TWIA). |
| National average (typical) | $800–$1,200 | Mid-range estimate per Insure.com 2026 mobile home report. Roughly half the cost of equivalent stick-built home. |
Mobile vs Manufactured vs Modular — Decoded
Mobile home (pre-1976)
Built before June 15, 1976 — predates HUD code. Often called "trailers." Aluminum wiring, single-pane windows, no tie-downs typical. Hard to insure; Foremost is one of few major carriers that writes them. Many carriers exclude or charge punitive rates.
Manufactured home (post-1976)
Built after June 15, 1976 to federal HUD Manufactured Home Construction and Safety Standards code. Standard HO-7 policy applies. Most US "mobile homes" on the market today are technically manufactured. Broadly insurable.
Modular home (factory-built, permanent foundation)
Built in factory sections then assembled on a permanent foundation to state/local building codes (not HUD). Insured with standard HO-3, NOT HO-7. Premium and availability comparable to traditional stick-built homes.
Which mobile home insurer should you pick?
Match your situation:
- You own a pre-1976 mobile home (true trailer)→ Foremost (specialty in pre-1976)One of the few carriers that writes pre-HUD-code mobile homes. Premium higher but availability is the differentiator.
- You own a post-1976 single or double-wide, non-coastal→ Foremost or American ModernBoth write HO-7 broadly. American Modern often cheaper for newer homes; Foremost stronger overall service.
- You own in a hurricane zone (FL, AL, MS, LA, NC, SC, TX coast)→ State windstorm pool + tie-down discountFL Citizens, TX TWIA, NC/SC windstorm pools may be necessary if private carriers exclude wind. Confirm tie-downs to maximize discount (5-25%).
- You already have Farmers auto→ Farmers (or Foremost via Farmers)Multi-policy bundle 10-25% off. Farmers owns Foremost — same underwriting, easier admin.
- You're financing a new manufactured home→ DP-3-equivalent or HO-7 + lender requirementsLenders typically require replacement cost coverage. Confirm HO-7 RCV option vs ACV before signing.
- You move the home periodically→ Add transit endorsementStandard HO-7 covers home AT location. Moving requires transit policy or rider — typically $200-$500 per move.
- You own a modular home (NOT manufactured)→ Standard HO-3, not HO-7Modular homes meet local building codes and use standard homeowners insurance. Don't accept HO-7 quotes for modular.
Get a Foremost Mobile Home Quote
Foremost is the largest US mobile and manufactured home insurer with the broadest pre-1976 mobile home availability. Owned by Farmers — bundle with auto for multi-policy savings.
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Frequently Asked Questions
How we verified this
Cost data verified May 2026 against Insure.com's 2026 mobile home insurance report ($800–$1,200/yr typical), Insurify Florida 2026 manufactured home review (FL ranges), Bridgeway Insurance's Florida 2026 wind mitigation analysis, Bridgeway's Alabama 2026 tie-down requirements, Owned Not Owned's 2026 manufactured home cost guide, and SmartFinancial's HO-7 explainer. Mobile/manufactured/modular distinctions per HUD code definitions and standard ISO HO-7 form.