Do You Need Extra Coverage for Attached Structures Like Decks, Carports and Porches for Your Mobile Home?

Mobile home insurance may help cover the costs of unexpected damage or loss to manufactured or modular homes. Most lenders require mobile homeowners who finance their property to carry this policy.

What Does Mobile Home Insurance Cover?

Most mobile home policies typically include coverage for the structure and personal property. Depending on your customization, your policy may cover:

• Damage to the mobile home from events like fire, wind, hail or vandalism
• Fences, gazebos and other unattached structures within your property
• Theft or loss of belongings inside the mobile home
• Liability coverage if you accidentally cause others physical harm or property damage
• Additional living expenses if the mobile home temporarily becomes unlivable due to a covered event

Does My Policy Cover Attached Structures?

Attached structures are any permanent or semi-permanent additions physically connected to your mobile home. Examples include decks, carports, garages, porches and sheds.

Most mobile home policies include coverage for these features, but the level of coverage often varies by insurer. Some insurers automatically include small additions, while larger or more costly structures need to be listed separately. For example, a simple entry porch might fall under your standard policy, but a full garage or a large custom deck often requires additional coverage.

If you’ve made upgrades or added new structures to your mobile home, make sure they are covered by your policy to avoid being underinsured.

We’re Here to Help

Reach out to Wilson Insurance for more information on mobile home insurance. Contact us today to explore your options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.