What manufactured home insurance covers, how much it costs in Maryland, and the best providers for MD residents.
Mobile home insurance is different from standard homeowners insurance — and many Maryland residents are either underinsured or overpaying. This guide covers exactly what you need, what it costs, and which companies offer the best coverage for Maryland manufactured homeowners.
Standard homeowners insurance policies are designed for site-built homes and typically won't cover a manufactured or mobile home. You need a policy specifically written for manufactured housing, which accounts for differences in construction, vulnerability to wind, and the fact that many homes can be relocated.
Maryland requirement: If your home is financed, your lender will require you to carry insurance. Even if you own your home free and clear, insurance is strongly recommended — replacing or repairing a mobile home after fire, storm, or flood damage can cost $30,000–$150,000 or more.
This covers the physical structure of your home against covered perils like fire, lightning, windstorm, hail, explosion, and vandalism. Make sure your coverage limit is high enough to replace or rebuild your home — not just its market value, which may be lower than replacement cost for older homes.
Covers your belongings inside the home — furniture, appliances, clothing, electronics — against theft, fire, and other covered perils. Standard policies typically cover personal property at 50–75% of your dwelling coverage limit.
Protects you if someone is injured on your property or if you accidentally damage someone else's property. Most policies include $100,000–$300,000 in liability coverage. Given Maryland's litigation environment, consider increasing this to at least $300,000.
If your home becomes uninhabitable due to a covered loss, this covers the cost of temporary housing while repairs are made. Critical given Maryland's high cost of temporary rentals.
| Home Type | Annual Premium Range | Monthly Cost |
|---|---|---|
| Single-wide, older (pre-1976) | $700–$1,400/year | $58–$117/mo |
| Single-wide, post-1976 HUD | $500–$900/year | $42–$75/mo |
| Double-wide, post-1976 HUD | $600–$1,100/year | $50–$92/mo |
| New manufactured home | $400–$800/year | $33–$67/mo |
Factors that affect your premium include the age and condition of the home, location (flood zone, coastal area), coverage amounts, deductible chosen, and claims history. Homes in Eastern Shore flood zones or near the Chesapeake Bay will pay more.
One of the largest manufactured home insurers in the US. Foremost specializes exclusively in manufactured and mobile home coverage and offers strong options for older homes that other insurers won't touch. Available through independent agents across Maryland.
Another specialty manufactured home insurer with competitive rates and flexible coverage options. Strong claims reputation and available statewide in Maryland.
GEICO partners with specialty insurers to offer manufactured home coverage. Convenient for Maryland residents who already have GEICO auto insurance — bundling can reduce premiums.
Offers manufactured home insurance in Maryland with the convenience of a large agent network. Good option if you prefer working with a local agent.
Allstate's manufactured home policies are competitive in Maryland and offer good bundling discounts with auto insurance.
Don't skip flood insurance if you're in a Maryland flood zone. Standard mobile home policies never cover flood damage, and FEMA flood insurance through the NFIP costs as little as $400–$600/year for many Maryland locations. Call your insurance agent or visit floodsmart.gov to check your flood zone status.
Browse 195+ verified parks across all 24 counties — with real phone numbers and addresses.
Browse the Directory →