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Mobile Home Insurance

Insurance designed specifically for mobile and manufactured homeowners.

  • Two types of protection available: Replacement Cost Settlement, which pays to repair or replace your home without deducting for depreciation, and Actual Cash Settlement, which pays you for the cash value of your property based on its current condition.
  • Attached structures like porches/decks, garages and storage sheds are covered, too.
  • If something happens and you’re forced to vacate, we’ll reimburse you for living expenses like hotels and meals. Optional trip collision coverage is available, too, so your home is covered if it’s moved to a new location.
  • Liability coverage is included, so if you’re sued from a mishap in your home, your legal fees are covered.
  • Identity Protection Services are included with each policy.1
I need to learn more about mobile home insurance.
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FAQs
What qualifies as a mobile home?

Mobile, modular and manufactured homes are all eligible to be covered with a mobile home insurance policy from MetLife Auto & Home.

What features are included with mobile home insurance policies?

Our mobile home insurance policies provide comprehensive coverage with the following features:

  • Legal defense covers court costs if you’re sued for a covered claim. We’ll help you pay for attorneys, document preparation, or other related expenses.
  • Worldwide coverage, so that no matter where you are, if your personal belongings are lost, stolen or damaged, you’ll be covered.
  • Water backup coverage is optional coverage that will pay for costs if water backs up and damages your condo or belongings. Coverage includes spills and run-off from sewers, drains, and sump pump wells.
  • Liability protection protects your assets from personal liability, if someone is hurt or their property is damaged and you’re held responsible.
  • Trip collision coverage ensures that if you move your mobile or manufactured home from one site to another, it’s protected while it’s being moved. This way, you can focus on getting to your new address, not potential damages from the journey. This coverage is optional.
How can I save on a mobile home insurance policy from MetLife Auto & Home?

There are a few ways you can save on your condo insurance with MetLife Auto & Home:

  • Safety discounts are available in most states. Your premiums will be lower if your mobile home has fire prevention systems, such as fire alarms, automatic sprinkler systems, smoke detectors, and fire extinguishers. Theft prevention systems, like central burglar alarms and deadbolt locks, may also qualify you for discounts.
  • Bundle your auto and home insurance. Consider purchasing a home policy with an auto policy from MetLife Auto & Home—it could save you up to 10%. Check out our Bundle and Save page for more details.
  • Ask about a newer mobile home discount. If your manufactured or mobile home is new, you may be eligible for more savings.
  • Consider choosing a higher deductible. The higher your deductible, the lower your premium. But always make sure that you’re financially able to pay your deductible if you have a loss.
What method do you use to pay claims?

Our mobile home insurance policy features two different methods for paying claims: replacement cost settlement and actual cash value settlement.

  • Replacement Cost Settlement means we’ll pay to repair or replace your home and belongings without any deduction for depreciation, up to the amount of coverage purchased. For example, if your claim requires us to replace a laptop, we’ll pay for the full amount it was worth when you purchased it, not how much it’s worth today.
  • Actual Cash Value Settlement means we’ll pay you the actual cash value of your property based on its age and condition. This settlement method applies whether or not you actually repair/replace the property.

See the terms of the policy for information about which types of property these methods apply to and when.         

Find the right mobile home insurance today.

We can help you find solutions to meet your unique needs. Just fill out the form—there's no obligation.

Contact MetLife: All fields are required

By clicking submit, you agree that we* may contact you at the number you've provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don't want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433.

*A MetLife company or third party acting on MetLife's behalf.

Thank you for contacting us.
Someone from MetLife will be reaching shortly to provide you help.

1 Identity Protection Services are available in NC homeowner policies with the optional "Identity Theft Expense and Resolution Plus" endorsement for an additional premium.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify.

Like most insurance policies, MetLife Auto & Home's policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete costs and details, see your MetLife Auto & Home representative.

© 2016 MetLife Auto & Home