Mobile Home

Your local independent agents are ready to help you find the coverage that suits you best.

Owning a mobile home comes with specialized insurance needs. That’s why we’ve developed a specific set of coverages to make sure your mobile home is properly protected.

Your independent agent will help you choose the right coverage so you can rest assured that you’re protected. At Auto-Owners, we offer competitive rates and coverages that are tailored to your specific needs. Find your local independent agent representing Auto-Owners today!


Mobile Home Coverage

Covers your mobile home and any attached structures, such as an attached garage, carport or deck. Your agent can help you determine if a replacement or actual cash value policy is right for you.

Other Structures

Covers structures on your property that are not attached to your mobile home, such as a detached garage, shed or pole barn.

Personal Property Coverage

Your personal possessions are covered anywhere in the world.

Personal Liability Coverage

Provides Personal Liability coverage for incidents occurring anywhere in the world. This coverage protects against lawsuits for which you may become liable.

Medical Payments to Others

Coverage for others who are injured at your residence.

Additional Living Expenses

This will pay for expenses if you are unable to stay in your mobile home after a covered loss.

Optional Coverages

Mobile Homeowners Plus

This coverage builds upon your policy by providing several additional coverages in one place including refrigerated products and sewer/sump-pump backup. For example, if your power goes out and you lose a refrigerator full of food, you’re covered up to $500.

Personal Property Replacement Cost

This coverage provides for repair or replacement of your personal property without a deduction for depreciation.

Identity Theft Expense Coverage

This coverage provides up to $15,000 for expenses incurred when trying to restore you financial identity.

Ways to Save

At Auto-Owners, we think that quality mobile home insurance shouldn’t break the bank. Check out the following discounts that will help you save big and protect your investment.

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Payment History

You may qualify for a discount if you have paid your premiums on time in the past 36 months.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.  Discount does not apply for escrow direct bill accounts.

Green Discount

When you enroll in paperless billing and pay your policy premiums online, you may qualify for this discount.

Favorable Loss History

Receive a lower premium for favorable loss history.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Protective Devices Discount

If you have protective devices such as smoke detectors, deadbolt locks and fire extinguishers, you may be eligible for this discount.

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent