Mobile homes are typically covered by mobile home insurance policies, not auto or home insurance. Mobile home insurance can include characteristics of both types of policies, such as coverage for damage while moving the home and earthquake coverage.
Mobile home insurance is available from national companies such as Allstate, as well as smaller local companies. Regardless of the size of the insurance company, typical polices include coverage of the structure from disasters such as lightning, fire, vandalism and water damage. They also cover personal property within the home and provide liability protection for injuries for persons visiting the home. Optional coverage may include replacement cost coverage, extended coverage for luxury items and coverage for business pursuits.