Mobile Home Insurance Built for Wisconsin Living
If you live in a mobile or manufactured home in Wisconsin, you need coverage that accounts for your home’s unique structure and risks. We provide mobile home insurance for homeowners across Brookfield, Waukesha County, Milwaukee suburbs, and communities throughout the state. Whether your home is in a mobile home park, on private land, or being transported, we’ll help you get the right protection without the runaround.
Tailored Protection for Factory-Built Homes
Mobile and manufactured homes need insurance that works a little differently than standard homeowners policies. From anchoring systems and skirting to wind ratings and foundation types, these homes come with special considerations — especially in Wisconsin’s ever-changing weather.

Unlike traditional homes, mobile homes can be more vulnerable to wind, hail, and ice damage. If your home was delivered to a park or private lot, you’ll want to make sure your policy reflects its setup, usage, and age.
What Mobile Home Insurance Typically Covers
We help you find a policy that fits your setup, including options like:
- Dwelling coverage for the structure, including porches, skirting, and tie-down equipment
- Personal property coverage for everything inside — furniture, electronics, clothing, and more
- Liability protection if someone is hurt on your property
- Trip collision coverage, if you move or transport the home
- Loss of use, if damage temporarily forces you to live elsewhere
If your home is located in a mobile home park, we’ll also make sure your policy meets any park-specific requirements.
Replacement Cost vs. Actual Cash Value
Many manufactured home insurance policies default to actual cash value (ACV) — which factors in depreciation. That means if your home is damaged or destroyed, you may receive a lower payout than expected. We’ll help you understand your options and determine if replacement cost coverage is available and worth the extra premium.
Wisconsin Weather & Local Concerns
Midwest mobile homes face specific seasonal risks. We’ll help you build a policy that accounts for:
- Tornado & wind damage, especially in rural or open areas
- Hail, common in spring and early summer
- Frozen pipes & ice damming, especially in older homes without modern insulation
- Snow load, which can affect mobile homes with flat or low-pitch roofs
If your mobile home is located near waterways like the Fox River or in low-lying parks, we may recommend flood insurance as well — available through the National Flood Insurance Program.
Who Needs This Coverage
- Mobile & manufactured homeowners
- Residents in mobile home communities or parks
- Landowners with a permanently placed manufactured home
- Seasonal residents or retirees with secondary manufactured homes
- Anyone buying a mobile home who wants protection from day one
Whether your home is new or vintage, located near Elmbrook Plaza or out by the Kettle Moraine area, we’ll help you find a policy that fits.
Get a Quote
It only takes a few minutes to get started. Request a quote today — and receive a $25 gas card just for giving us a chance to help. We’ll walk through your setup, explain your coverage, and make sure you’re confident in your policy.
FAQ
Are mobile homes more expensive to insure than regular houses?
Not always. While some policies cost more due to added storm risk or older construction, mobile home insurance can be very affordable — especially if the home is newer, well-anchored, or located in a lower-risk area.
Does mobile home insurance cover tornado damage?
Yes — wind and tornado damage is typically covered unless specifically excluded. Since Wisconsin sees strong spring and summer storms, we always check that wind coverage is included.
Can I get flood insurance for a mobile home?
Yes — flood coverage is not included in standard policies, but you can purchase it through the National Flood Insurance Program. We’ll help you determine if your home is in a flood-prone area. Learn more on our Flood Insurance page.
How is mobile home insurance different from regular homeowners insurance?
While both cover the structure, contents, and liability, mobile home insurance is tailored to factory-built homes and accounts for things like anchoring, transportation risk, and depreciation. Learn more on our Homeowners Insurance page.
What if I move my mobile home?
Some policies include trip collision coverage if you’re relocating your home. Let us know your plans — we’ll make sure your coverage travels with you.