Tennessee Mobile Home Insurance
Get a full analysis of Tennessee mobile home insurance costs, coverage, and companies.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Find the Best Mobile Home Insurance Options in Tennessee
Whether you recently purchased your mobile home or you've lived your mobile home community for decades and are looking to change policies, mobile home insurance can protect your home and its contents.
Before you buy a mobile home insurance policy, however, careful research and quotes from multiple insurance companies will help you find the right policy for your needs and budget.
Contact a local independent insurance agent for help choosing mobile home insurance in Tennessee.
What Are the Best Mobile Home Insurance Companies in Tennessee?
There are a lot of options for mobile home insurance in Tennessee. Making the best choice can seem unclear.
The following are some of the best mobile home insurance companies in Tennessee. They are highly rated for their mix of valuable coverage offerings and competitive pricing.
- Foremost Insurance Company: Foremost was founded in 1952 and offers a wide range of coverage, including mobile home insurance, in 50 states.
- REInsurePro: This carrier offers mobile home insurance as well as several important forms of property insurance, including coverage for single- and multi-family homes, vacation rentals, renovations in progress, vacant land, and more.
An independent insurance agent in your area can help you learn more about these and other Tennessee mobile home insurance companies. A local agent can help you get competitive quotes for the coverage that fits your needs.
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What Is the Difference between Traditional Home Insurance and Mobile Home Insurance?
Insurance companies treat mobile homes and traditional site-built homes differently because of variations in construction and materials and the value of the structures over time. Site-built homes are built on a foundation, while mobile homes are built in a factory and then transported to the location.
Mobile or manufactured homes typically cost less than traditional homes. Unlike most traditional site-built homes, mobile homes actually lose value over time.
One might then expect lower insurance costs for mobile homes, but this is not always the case. Sometimes, mobile home insurance costs just as much as traditional home insurance. This is because mobile homes have greater exposure to damage due to fire, theft, vandalism, and weather-related incidents or natural disasters.
It's important to remember that even modern mobile homes, which are stronger than older models, come with increased risks, making mobile home insurance essential for anyone who lives in one.
What Types of Risks Do Mobile Homes Face?
While all homeowners must be concerned about damage caused by weather, fire, and theft, mobile homeowners are even more susceptible to damage from these types of events.
- Mobile homes are constructed of materials that may allow fire to spread more quickly and cause greater damage.
- Mobile homes are lighter-weight and more susceptible to wind damage.
- Mobile homes may have less effective insulation, leading to an increased risk of frozen pipes and resulting damage.
- Sometimes mobile homes are located in higher crime areas, making them more susceptible to theft and other property crimes.
- Mobile homes may experience costly structural integrity problems after transport.
- General health and safety risks are greater for mobile homeowners than traditional homeowners.
A local independent insurance agent will help you understand the risks you face in your mobile home and how Tennessee mobile home insurance can help.
What Does Mobile Home Insurance Cover in Tennessee?
Mobile home insurance is similar to traditional home insurance. It provides coverage for the structure and your belongings, as well as personal liability coverage in case you are sued for negligence.
- Dwelling coverage protects you if your mobile home is damaged due to a covered loss (typically fire, theft, vandalism, wind, hail, and other weather-related damage).
- Personal property coverage protects you if your personal property (furniture, clothing, etc.) is damaged due to a covered loss.
- Personal liability coverage protects you if a visitor to your mobile home gets injured due to your negligence or if you damage someone else’s property and you are sued.
- Additional living expenses/loss of use coverage reimburses you for certain living expenses, like lodging, meals, and gas, if you're forced to live away from your mobile home after it's been damaged or destroyed by a covered event (e.g., a fire, a severe storm).
Like standard homeowners insurance, mobile home insurance does not cover flood damage. If you live in a flood-prone area, be sure to talk to your agent about obtaining flood insurance in addition to your mobile home insurance.
With the help of an independent insurance agent in your area, you can find the right mobile home coverage for your needs.
What Isn’t Covered by Mobile Home Insurance in Tennessee?
Mobile home insurance in Tennessee excludes coverage for certain types of events. It's important to be aware of these coverage exclusions before something goes wrong.
Here are some types of events that are not typically covered by Tennessee mobile home insurance:
- Earthquakes
- Flooding from the outside
- In-transit accidents
- Wear and tear of the mobile home
- Insect or animal infestation
- Malicious acts against others by the homeowner
You can look into separate flood and earthquake insurance to protect your home if these kinds of disasters are a factor where you live. An independent insurance agent can make sure you get the coverage you need to best protect your home.
What Does Mobile Home Insurance Cost in Tennessee?
Mobile home insurance costs in Tennessee are influenced by a variety of factors, such as:
- Where you live. Locations with higher land values, higher incidents of severe storms or wildfires, or more crime will typically have higher mobile home insurance rates.
- Your home’s value. The value of your mobile home affects how much you will pay for insurance. For example, a single-wide home in a Tennessee mobile home park will likely cost less to insure than a double-wide home on private land that you own.
- The age of your home. Older mobile homes can be difficult and costly to insure because of the inherent risks of damage. These homes are particularly susceptible to damage from fire and weather events.
- The liability coverage you need. Liability insurance protects you and your assets if someone sues you after being injured on your property or if you are responsible for damaging someone else’s property.
- Your personal property coverage. You need personal property/contents coverage to protect your personal belongings (furniture, clothing, electronics, etc.) from losses due to theft, fire, storms, and so on. The more personal property coverage you need, the more expensive your Tennessee mobile home insurance will be.
- Your deductible. Choosing a higher deductible will lower your insurance rates somewhat. But since a deductible is the amount you have to pay out-of-pocket before your insurance company will pay for a claim, you should be confident that you can afford to pay the deductible for any given claim. Lower deductibles can mean even greater peace of mind but will increase what you pay for Tennessee mobile home insurance.
An independent insurance agent in Tennessee can explain all the factors insurance companies use to establish your mobile home insurance premium.
How to Find the Best Mobile Home Insurance Quotes in Tennessee
Instead of getting an online quote for Tennessee mobile home insurance, find an independent insurance agent now and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
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Our independent agents shop around to find you the best coverage.
Tennessee Mobile Home Insurance FAQs
Mobile home insurance in Tennessee typically covers your home's structure, contents, and personal liability. You may add optional coverage or endorsements to increase the protection provided by your policy.
Mobile home insurance costs in Tennessee are influenced by a variety of factors, such as:
- Where you live
- The value of your mobile home
- The age of your mobile home
- How much personal property coverage you need
- The deductibles you choose
Yes, mobile home insurance in Tennessee covers damage caused by windstorms like tornadoes and hurricanes. If your mobile home gets damaged or destroyed by a tornado in Tennessee, your coverage can provide reimbursement to repair or rebuild it up to your policy's terms and limits.
Tennessee mobile home insurance does not cover flood damage. If you're concerned about flooding where you live, you can purchase flood insurance from the National Flood Insurance Program or some private carriers.
Foremost Insurance Company and REInsurePro are some of the best mobile home insurance companies in Tennessee. They are highly rated for offering broad coverage, top-notch customer service, and a variety of affordable options.
Comparison shopping is the best way to make sure you're getting the best mobile home insurance for your needs and budget.
A local independent insurance agent can help you find a competitively priced Tennessee mobile home insurance. Contact an agent in your area to begin comparing customized quotes.