Mobile Home Insurance

Reliable protection for your home and your way of life.

Mobile and manufactured homes provide affordable, flexible housing options, but they come with unique insurance needs that differ from traditional site-built homes. Because mobile homes face increased exposure to wind, storms, fire, and transportation-related risks, having the right insurance coverage is essential to protect both your property and your financial security.

At Cothren Insurance Agency in Lawrenceburg, TN, we help mobile and manufactured homeowners find insurance designed specifically for how these homes are built, installed, and lived in.

Mobile Home Insurance Coverage Options

Dwelling Coverage
Protects the structure of your mobile or manufactured home, including walls, roof, flooring, and permanently installed systems, against covered perils such as fire, wind, hail, and lightning.

Other Structures Coverage
Covers detached structures such as carports, sheds, decks, and storage buildings located on your property.

Personal Property Coverage
Protects your belongings — furniture, clothing, appliances, electronics, and household items — from covered losses like theft or damage.

Loss of Use / Additional Living Expenses
Helps cover temporary housing and related costs if your home becomes uninhabitable due to a covered claim.

Personal Liability Coverage
Provides protection if someone is injured on your property or if you’re held legally responsible for property damage to others.

Medical Payments Coverage
Helps pay for medical expenses for guests injured on your property, regardless of fault.

Optional & Specialized Coverage

  • Replacement Cost Coverage for your home or personal property

  • Extended Wind Coverage where available

  • Water Backup Coverage for drain or sewer-related losses

  • Scheduled Personal Property for valuables requiring higher limits

  • Umbrella Liability for added liability protection

These options help close common coverage gaps for mobile and manufactured homes.

What Mobile Home Insurance Typically Does Not Cover

  • Flood damage (requires a separate flood insurance policy)

  • Earth movement or earthquakes

  • Wear and tear or maintenance-related issues

  • Certain transportation-related losses without proper endorsements

Understanding these exclusions helps avoid surprises at claim time.

Why Mobile Home Insurance Matters

Higher Risk Exposure – Mobile homes can be more vulnerable to severe weather and wind events.
Protects Your Investment – Repairs or total losses can be costly without proper coverage.
Liability Protection – Accidents on your property can result in expensive claims.
Often Required by Lenders or Parks – Many lenders and mobile home communities require proof of insurance.

Why Choose Cothren Insurance Agency?

Local Experience – We understand mobile home insurance requirements across Lawrence County and Middle Tennessee.
Tailored Coverage – We help match coverage to your home’s age, location, and construction type.
Independent Access – We compare multiple carriers that specialize in mobile and manufactured homes.
Personal Service – From quoting to claims support, we’re here when you need guidance most.