Mobile home insurance in North Carolina

Foremost, American Modern, and Progressive are three of the most popular mobile home insurance companies in North Carolina.

Headshot of Rachael Brennan

By

Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Published|2 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

Mobile or manufactured homes have seen an increase in popularity across the country over the last few years and North Carolina is no exception. Mobile and manufactured homeowners in North Carolina need to have the right insurance coverage in place to make sure they are fully protected, just like any other homeowner.

Compare mobile home insurance rates in North Carolina

We don't sell your information to third parties.

What companies offer mobile home insurance in North Carolina?

Despite some insurers dropping coverage in some parts of the state, several insurance companies in North Carolina still offer mobile or manufactured homeowners insurance, including Foremost and American Modern. Also, many of the largest insurance companies offer mobile home insurance as one of their coverage options, like Liberty Mutual and Progressive.

Additionally, some companies, like Manufactured Housing Insurance Services, only offer mobile home insurance. But this type of coverage may not be the best choice for people who also need other types of insurance, like auto insurance, because they won’t be able to bundle their policies.

Mobile home insurance companies in North Carolina

Here are some of the most popular insurance companies offering mobile home insurance in North Carolina in 2024:

American Modern

American Modern insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

American Modern stands out thanks to its willingness to insure manufactured homes both old and new, its high-deductible policy options, and its optional golf cart and hobby farming coverages — popular with some North Carolina homeowners.

Pros and conschevron icon

Pros

  • Insures older mobile homes — with no age restriction

  • High-deductible options up to $5,000

  • Water damage coverage included in your base policy

Cons

  • Maximum dwelling coverage is only $300,000

  • Doesn’t disclose on its website whether certain makes or models are or aren’t eligible for coverage

Foremost

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.2

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

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 conschevron icon

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

Progressive

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

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 conschevron icon

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 detailschevron icon

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. 

Compare mobile home insurance rates in North Carolina

We don't sell your information to third parties.

How much is mobile home insurance in North Carolina?

The average cost of homeowners insurance in the U.S. is $1,754 per year, but homeowners in North Carolina pay about 12% less than the national average. 

However, due to the higher risk of loss in extreme weather situations, mobile home insurance is often pricier than standard home insurance coverage. This is especially true for mobile homeowners on  the east coast of North Carolina, where hurricane and flood events are more commonplace. 

How much you ultimately pay for mobile home insurance will 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 North Carolina

Every insurance company has a different way of determining what discounts they offer, but here are some of the most common discounts in North Carolina 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: iIf 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 three years, though some companies may go as high as five years).

  • Association membership: If you’re a member of certain associations, like USAA, AFI, AARP, or other groups.

  • 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 a certain age (typically 50 or older) or are retired.

Is mobile home insurance required in North Carolina?

No, mobile home insurance is not legally required in North Carolina, but banks and mortgage lenders typically require mobile home insurance in order to protect their investment.

Additionally, because homes in mobile home parks are located so close together, damage from something like a fire or flood can spread quickly and potentially destroy the entire park, leaving uninsured residents financially ruined. This means some mobile home parks require residents to purchase mobile home insurance as a condition of living in the park.

Compare mobile home insurance rates in North Carolina

We don't sell your information to third parties.

What does mobile home insurance cover in North Carolina?

A typical HO-7 mobile home insurance policy comes with six standard types of coverage:

  • Dwelling: Pays for damage to the physical structure of your mobile home, including things like walls, windows, and the roof.

  • Mobile home extensions: Covers additional buildings or structures that may or may not be attached to your mobile home, including porches, garages, and other separate structures.

  • Personal property: Provides coverage for your belongings, like furniture and electronics, if they are damaged by a covered peril.

  • Additional living expenses: Covers costs associated with relocating or staying elsewhere while your mobile home is being repaired after a covered loss.

  • Personal liability: Pays for legal and medical expenses up to the limits of your policy if you are found liable for damage or injury to someone else.

  • Medical payments: Pays for small-dollar medical expenses associated with a visitor being injured on your property.

Extra coverages to consider for your mobile home in North Carolina

Mobile homeowners can purchase a variety of additional types of coverage that may provide additional financial protection, 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 for your hobby farm.

  • Trip collision: Covers damages to your mobile home while it is being moved from one location to another.

  • Flood insurance: Protects your mobile home from flood damage caused by flooding events like hurricanes and tornadoes.

Does mobile home insurance in North Carolina cover flooding?

No, mobile home insurance does not include coverage for flooding. Mobile homeowners who want coverage for flood damage will need to purchase a separate flood policy

Learn more >> Flood insurance in North Carolina: What you need to know 

Compare mobile home insurance rates in North Carolina

We don't sell your information to third parties.

Frequently asked questions

How much does it cost to insure a house in North Carolina?

The average cost of homeowners insurance in North Carolina is $1,545 per year, almost 12% lower than the national average of $1,754 per year.

What makes a mobile home “real property” in North Carolina?

According to NC Realtors, if you own a manufactured home in North Carolina, you need to file a “Declaration of Intent” or an “Affidavit for Removal” with the Register of Deeds for your home to be declared “real property.” If you don’t file with the register of deeds, the home is considered personal property.

Why is mobile home insurance important?

Mobile home insurance protects your home and the property inside it if there is physical damage from covered perils like fire or vandalism. Having robust mobile home insurance could be the difference between destitution and an ability to repair or replace your property after a disaster, so it is important to have a mobile home insurance policy.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Questions about this page? Email us at .