Mississippi Mobile Home Insurance

Find the Best Mobile Home Insurance Options in Mississippi

In one recent year, there were a reported 209,273 mobile homes in Mississippi. For owners of mobile and manufactured homes, mobile home insurance can help you get reimbursed for damage, vandalism, theft, and more. Though not every insurance company sells mobile home insurance, it is available.

A Mississippi independent insurance agent knows exactly where to find the best mobile home insurance for you. Working together with a Mississippi independent insurance agent is always a wise decision when you're ready to get the coverage you need for your mobile or manufactured home. But first, here's a breakdown of mobile home insurance in Mississippi.

How Much Does Mobile Home Insurance Cost in Mississippi? 

The cost of mobile home insurance in Mississippi varies depending on a number of different factors. But you can find policies for as little as $57 per month or $684 per year in Mississippi. The town in which you live, local crime rates, the value of your mobile home, and more all impact the cost of your policy.

Of course, you won't just want the cheapest coverage available. Having high-quality coverage that's there when you need it is also critical. That's why working with a Mississippi independent insurance agent to find the mobile home insurance policy that delivers the best blend of coverage and cost is so helpful.

What Factors Impact Mobile Home Insurance Rates in Mississippi? 

Although mobile and manufactured homes usually cost less to purchase than most site-built houses, they may cost more to insure because of their increased risk of property crimes, storm damage, and more. The lighter construction materials make mobile homes more vulnerable to fires, tornadoes, and storms. 

However, if disaster strikes, your coverage can save you the potentially huge expense of rebuilding your home and purchasing new belongings. Your mobile home insurance rates depend on the following factors:

• The size, age, and value of the home
• The location of the home, and the area's likelihood of a tornado
• The local crime rate
• The value of any personal belongings
• The level of liability coverage chosen
• The deductible amounts chosen

A Mississippi independent insurance agent may be able to combine your mobile or manufactured home insurance with other policies you need to save you more money on your premiums.

What Does Mississippi Mobile Home Insurance Cover?

Mobile home insurance is a special type of homeowners insurance built to cover the risks of a strapped-down home rather than one constructed on a concrete foundation. Your policy will typically include the following coverage:

• Dwelling coverage: This coverage helps you rebuild or repair your mobile home after a major storm, tornado, house fire, burglary, or another covered disaster. You can insure your mobile home for actual cash value, which takes depreciation into account, or you can insure it for its replacement cost, which provides funds to purchase a new mobile home of similar size and quality.
• Contents coverage: If your personal property is stolen or destroyed by a covered natural disaster, this coverage pays to replace your belongings, such as your furniture, appliances, clothing, and electronics. If you have valuable antiques, collectibles, or artwork, you may need to add extra coverage in the form of a rider or floater.
• Liability coverage: If a guest, delivery person, or intruder suffers an injury on your property, you can be held financially responsible. Liability coverage protects you from the financial fallout of a lawsuit against you by covering defense expenses and the injured party's medical expenses and property damage up to the limits set on your policy.
• Flood insurance: Your mobile home policy most likely will not cover natural flood damage. To be sure your mobile or manufactured home is covered against flooding, you need a separate flood insurance policy. You can find coverage through FEMA's National Flood Insurance Program or through a private insurer with the help of a Mississippi independent insurance agent.
• Umbrella insurance: An umbrella policy provides added liability protection on top of an existing policy's limits, at home and away from home, and can protect you from the extensive financial repercussions of a lawsuit. Excess liability coverage is available in increments of $1 million with umbrella insurance.

A Mississippi independent insurance agent can help you get equipped with all the types of mobile home insurance you need.

Additional Mobile Home Insurance Coverage in Mississippi

You might need more coverage than what's provided in a standard Mississippi mobile home insurance policy. Take some time to review your specific policy's exclusions right away so you can get the extra coverage you may need before a property disaster occurs.

Here are a couple of additional mobile home coverages you may need:

• Flood insurance: Natural sources of flooding, such as heavy rainfall or snowmelt, are not covered by Mississippi mobile home insurance. You might greatly benefit from adding a separate flood insurance policy to further protect your mobile home against these disasters since Mississippi can be prone to flooding.
• Additional valuables: If you have valuable or expensive property like jewelry, art, collectibles, or electronics, you might need additional coverage, and not just higher limits. A separate rider or floater may need to be added to your policy for you to have all the coverage you need for valuable property.

Your Mississippi independent insurance agent can help you get equipped with any extra coverage you need.

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What Isn’t Covered by Mobile Home Insurance in Mississippi?

Mississippi mobile home insurance also comes with a few specific exclusions. When these exclusions are listed on your mobile or manufactured home insurance policy, you won't receive reimbursement from your insurance company if that disaster occurs and damages or destroys your property. 

Here are some disasters usually excluded by Mississippi mobile home insurance:

• Flooding from the outside
• In-transit accidents
• Wear and tear of the mobile home
• Insect or animal infestation
• Earthquakes
• Malicious acts against others by the homeowner

Again, you'd need a separate flood insurance policy to protect your Mississippi mobile or manufactured home against natural flooding disasters such as from heavy rainfall. You might also need separate earthquake insurance to protect your Mississippi mobile or manufactured home against damage from this type of natural disaster.

What Types of Risks Do Mobile Homes Face in Mississippi?

As of a couple of years ago, Mississippi reportedly had the sixth-highest number of mobile homes when compared to all other states in the U.S. Because Mississippi is prone to tropical storms, hurricanes, and tornadoes, it's critical to insure your home properly so you can afford to rebuild and replace your belongings after a disaster strikes. 

Here are some additional risk factors impacting mobile homeowners in Mississippi:

• The insulation in mobile homes: Mobile homes may have less effective insulation, leading to an increased risk of frozen pipes and related damage.
• The risk of property crimes: Sometimes, mobile homes are located in higher crime areas, making them more susceptible to theft, vandalism, and other property crimes.
• The construction of mobile homes: Mobile homes are constructed of materials that may allow fire to spread more quickly, potentially causing greater damage.
• The weight of mobile homes: Mobile homes weigh less than single-family homes and are more susceptible to wind damage.
• The structural integrity of the property: Mobile homes may experience costly structural integrity problems after transport.

A Mississippi independent insurance agent can help you protect your home with all the coverage necessary to protect against its unique risks.

What Are the Best Mobile Home Insurance Companies in Mississippi?

You need to know where to look to find mobile home insurance in Mississippi. Not all carriers offer this coverage. But you also want to know which carrier offers the best quality mobile and manufactured home insurance along with the best available rates. 

That's why we've put together this list of a few of the best mobile home insurance companies in Mississippi for your convenience. Start by checking into these top-rated carriers.

• Foremost: Foremost is the top company for mobile home insurance in Mississippi. Since it's backed by AARP, Foremost offers member discounts for senior mobile homeowners. The carrier also ranks at the top of our list since it offers protection for older mobile homes, which is something most insurers don't provide. Foremost also offers additional coverage benefits such as debris removal and food spoilage coverage.
• Progressive: Progressive is another great option for mobile home insurance in Mississippi. The carrier offers a replacement cost coverage option, which is something not provided by all insurers of mobile homes. Progressive also offers a user-friendly mobile app for customers and discounts for new mobile homeowners.
• Allstate: Allstate can be considered the best mobile home insurer in Mississippi for retirees. The carrier offers several discounts for retirees and original title holders of mobile homes. Allstate also offers a user-friendly mobile app for customers and a large selection of optional coverages.

Your Mississippi independent insurance agent can help you find the right mobile home insurance policy from one of these outstanding local carriers.

Mississippi Mobile Home Insurance Discounts

You can save even more money on Mississippi mobile home insurance if you apply discounts. The mobile home insurance discounts offered in Mississippi will vary by insurance company and your eligibility. But many Mississippi mobile home insurance companies offer these common discounts on coverage:

• Smart home protective device discounts
• Mobile homeowners over 50 years of age discounts
• Having continuous coverage for more than three years discounts
• Electronic policy discounts
• Claims-free discounts
• Mobile home as a primary residence discounts
• Mobile park discounts

Your Mississippi independent insurance agent will help you find and apply any mobile home insurance discounts you qualify for.

Mobile Homes vs. Manufactured Homes vs. Modular Homes 

It's helpful to understand the differences between mobile homes, manufactured homes, and modular homes before ever looking into getting a policy for your own home. One of the main defining factors between the types of property is the year when the homes were produced. Mobile homes are classified as fabricated homes that were built on or before June 15, 1976. 

But after June 15, 1976, the Department of Housing and Urban Development (HUD) started to enforce certain standards for mobile homes. This meant that properties that were previously classified as mobile homes were now considered manufactured homes. 

Modular homes, in contrast, are properties constructed entirely off-site and later transported to the location where builders finish by installing the homes into the foundation. Here's a further explanation of each type of property:

• Mobile homes: These are homes built before June 15, 1976, that don't adhere to the HUD's standards. Mobile homes are most often on wheels and can be transported or driven wherever the homeowner wants to live.
• Manufactured homes: These are similar to mobile homes, with the main difference of having been built after June 15, 1976. These homes adhere to the standards set by the HUD.
• Modular homes: These are homes constructed in sections called "modules" entirely off-site, typically indoors, and classified as modular. These homes later get transported to a location where the builders finish assembly and install them into the area's foundation. 

Finding the insurance you need for your home is much easier when you know how to properly classify your property.

How to Get a Mississippi Mobile Home Insurance Quote

You can search for a Mississippi mobile home insurance policy the easy way — by allowing an independent insurance agent to do the shopping for you. These agents work with several insurance companies to find the policy that best meets your coverage needs and budget. 

A local agent can also advocate for you if you ever need to file a claim with your insurance company or update your coverage down the road. Get started with a Mississippi independent insurance agent today.

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