Mobile or manufactured homes have risen in popularity over the last few years, especially in Mississippi. In fact, Mississippi takes the top spot on the list of states with the highest number of manufactured houses in 2023. [1] And, just like any other house, a mobile or manufactured home needs to have the right insurance coverage to make sure it is protected.
Below is a list of some of the mobile home insurance companies offering coverage in Mississippi.
What companies offer mobile home insurance in Mississippi?
There are many companies that offer mobile home insurance in Mississippi. Many of the largest insurance companies, like Geico, Progressive, and Foremost, offer mobile home insurance as one of their coverage options.
Some other companies only offer mobile home insurance, like Manufactured Housing Insurance Services. Also, some local companies offer a variety of coverages that include mobile home insurance, like Mississippi Farm Bureau Insurance.
Mobile home insurance companies in Mississippi
Here are some of the insurance companies offering mobile home insurance in Mississippi in 2024:
Foremost
4.2
Why we chose it
As the first company to offer home insurance policies specifically for mobile homes, we like Foremost for its willingness to insure homes of any age, model, make, and value — rare among other insurers.
Pros and cons
Pros
Insures homes of any age, model, make, and value
Replacement cost coverage available for your home, other structures on your property, and your personal belongings
Trip coverage available when moving your mobile home
Cons
Deductible options aren’t disclosed on its website
Geico
3.9
Why we chose it
Geico offers insurance for your manufactured or mobile home, as well as additional coverage for collectibles, jewelry, sports equipment, musical instruments, and more. It also offers landlord insurance for mobile home owners renting out their property.
Pros and cons
Pros
Available in all 50 states
Bundling discount to save on home & auto insurance
Easy-to-use app to manage policy
Cons
Not a direct insurance carrier
Cost varies by company Geico places you with
Customer service & claims options vary by company
Progressive
4.5
Why we chose it
Progressive offers guaranteed replacement cost coverage and extended replacement cost coverage for your dwelling, plus replacement cost coverage for your belongings and seasonal home insurance if you only live in your mobile home for part of the year.
Pros and cons
Pros
Available in all states except Alaska and Hawaii
Slew of policy and discount options available
Easy-to-use app to manage policy
Cons
Not a direct insurance carrier
Cost varies by company Progressive places you with
Customer service & claims options vary by company
More details
With availability in all states except two and a generous multi-policy discount, Progressive is the ideal insurance company for homeowners who have a car or other types of property to insure. It also earned an above-average rating in J.D. Power’s 2022 digital experience study, indicating customer satisfaction with Progressive’s mobile and web experience.
However, Progressive isn’t a direct insurance carrier. This means your coverage, rates, and claims experience will depend on which company it places you with. Because of this, Progressive may not be the best choice for homeowners who prefer paying their bills and filing claims all with one company.
How much is mobile home insurance in Mississippi?
The average cost of homeowners insurance in the U.S. is $1,754 per year, but Mississippi residents pay almost 50% more for homeowners insurance than the national average. Due to the higher risk of loss in extreme weather situations, mobile home insurance is often pricier than standard home insurance coverage. But rates vary based on a number of factors, including:
Where you live
Size of your manufactured home
Age of your mobile home
Your claims history
Your policy deductible amount
Mobile home insurance discounts in Mississippi
Every insurance company has their own unique discounts, but here are some of the most common discounts in Mississippi for manufactured home insurance:
Mobile home park: If your home is located in an approved mobile home park.
Age of home: If you have a newer mobile home.
Wind-resistant features: If your mobile home has wind-resistant features, like storm windows, to help protect against tornadoes, tropical storms, and hurricanes.
Bundled policies: If you bundle your mobile home insurance with another insurance policy with the same company.
No claims in past three years: If you’ve been claims-free for a specific number of years — usually anywhere from three to five years.
Association membership: If you’re a member of certain associations, like USAA, AFI, or AARP.
Paperless policy: If you sign up to receive your policy documents electronically.
Paid-in-full: If you pay your insurance premium annually instead of monthly or bimonthly.
Age of insured: If you’re over the age of 50 or retired.
Is mobile home insurance required in Mississippi?
No, mobile home insurance is not legally required in Mississippi. But if you have a mortgage on your property, the odds are good that your lender requires you to have mobile home insurance in place to protect their investment.
You may also be required to purchase manufactured home insurance if you live in a mobile home park. That’s because homes in mobile home parks are located so close together that damage from something like a fire or flood can spread quickly and potentially destroy the entire park, leaving uninsured residents financially ruined.
What does mobile home insurance cover in Mississippi?
A typical HO-7 mobile home insurance policy comes with six standard types of coverage:
Dwelling: Covers the physical structure of your mobile home, including things like walls, windows, and the roof.
Mobile home extensions: Protects additional buildings or structures, including porches, garages, and other separate structures.
Personal property: Covers your belongings, like furniture and electronics.
Additional living expenses: Pays for costs associated with relocating or staying elsewhere while your mobile home is being repaired after a covered loss.
Personal liability: If you are found liable for damage or injury to someone else, this coverage pays for those legal and medical expenses.
Medical payments: Covers small-dollar medical expenses associated with a guest being injured on your property.
Extra coverages to consider for your mobile home in Mississippi
Here are a few other types of coverage you may want to purchase in addition to mobile home insurance, including:
Replacement cost coverage: Covers your home, personal belongings, and other structures based on the cost to replace them with new items without factoring in depreciation.
Hobby farming: Provides property and liability coverage related to farming activities.
Trip collision: Covers your mobile home in transit if you need to move it.
Flood insurance: Protects your mobile home from flood damage caused by flooding events like hurricanes and tornadoes.
Does mobile home insurance in Mississippi cover flooding?
Mobile home insurance does not include coverage for flooding — you’ll need a separate flood insurance policy for that. In addition to comparing mobile home insurance quotes with Policygenius, Mississippi homeowners can also compare the best private flood insurance rates, or choose a policy through the government-run National Flood Insurance Program.
Learn more >> Flood insurance for mobile homes
Frequently asked questions
What is the oldest mobile home that can be insured?
The age of your mobile home won’t stop you from getting insurance, but it may impact your rates. Mobile home owners will pay more to insure an older mobile home than a newer one.
How much does it cost to insure a house in Mississippi?
The average cost of homeowners insurance in Mississippi is $2,624 per year, almost $900 higher than the national average of $1,754 per year.
What is a mobile homeowners policy?
Similar to homeowners insurance, mobile home insurance is designed to cover damage to your mobile home and personal property, as well as liability issues. The difference is that a mobile home policy is specifically for a manufactured home, so the price will likely be higher than a standard homeowners policy because mobile homes are less able to withstand damage from weather-related catastrophes like wind and hail.
Is homeowners insurance required in Mississippi?
Homeowners insurance is not legally required in Mississippi, but homeowners who have a mortgage are likely required to have homeowners insurance coverage according to the terms of their loan. Also, having homeowners insurance can protect you financially in the event of a disaster, so you should consider buying home insurance whether or not it is required by your lender.
