Illinois Mobile Home Insurance

Find the Best Mobile Home Insurance Rates & Companies in Illinois

A home can be any shape or size. From Chicago to Champaign and Skokie to Springfield, home is where you sleep and spend time with family. No matter what form your home takes, it should be properly covered through the right insurance policy to protect your assets. However, mobile, manufactured, and modular homes are different from traditional homes in terms of construction, so they have different insurance options. 

Luckily, an Illinois independent insurance agent can help you get set up with the right kind of mobile home insurance. They'll get you matched to the ideal policy for your specific property. But until then, here's a breakdown of Illinois mobile home insurance requirements and more.

Best Mobile Home Insurance Companies in Illinois

Mobile home insurance is available from many different carriers in Illinois, but when you're looking for the best available, it's helpful to know where to find it. Here are a few of our top recommendations for quality mobile home insurance companies in Illinois. 

• The Andover Companies: The Andover Companies have excellent ratings by AM Best and the Better Business Bureau (BBB), good customer feedback, and several discount options.
• Foremost: This carrier sells mobile home insurance and many other types of personal insurance. Foremost has excellent ratings from AM Best and the BBB, a wide selection of discounts, and 24/7 claims reporting.
• Progressive: Progressive has an excellent rating by AM Best, many discount options, and 24/7/365 customer service. They sell many other types of insurance, so you may have an opportunity to bundle.

An independent insurance agent in Illinois can help you compare mobile home insurance quotes from each of these outstanding carriers and others you may be interested in.

Mobile Home Owners in Illinois Need Protection Against Tornadoes

Having protection for your mobile home is critical, but it can be more helpful to understand why when considering Illinois's top property risk: tornadoes. Here are some recent disaster stats and facts for Illinois.

• Illinois ranks second in the U.S. for the most tornadoes this year so far.
• On average, there are 50 tornadoes in Illinois each year.
• Half of all tornado fatalities in Illinois occur in mobile homes.

Make sure to look for a mobile home insurance policy that includes coverage for windstorm damage, specifically tornadoes. If your policy excludes this coverage, you may need to buy an additional, separate windstorm policy to protect your home against wind damage. 

What Are Manufactured, Mobile, and Modular Homes?

The term “mobile home” is technically any manufactured home built by pre-1976 standards instituted by the US Department of Housing and Urban Development (HUD). The term “manufactured home” refers to mobile homes built by post-1976 standards. Both mobile and manufactured homes are factory-built and not typically assembled on a foundation, like a traditional site-built home would be.

A modular home is similar to a mobile or manufactured home in that it is also made in a factory. The difference with modular homes is that they are typically then affixed to a foundation as a site-built home would be. Many insurers treat modular homes like traditional site-built homes. Depending on the type of home you have, you may have different insurance needs, so make sure you go over the details of your home with an independent insurance agent.

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What Is Mobile Home Insurance and What Does It Cover?

Mobile home insurance policies are structured similarly to homeowners insurance. Illinois mobile home insurance protects the owner from damage or loss due to fire, burglary, falling objects, or severe weather events such as tornadoes. 

High winds and tornadoes pose a great risk to these types of homes compared to more traditional housing structures, largely due to the lack of foundation and lighter-weight construction materials. Here are some coverage types typically available for mobile homes:

• Property damage liability insurance: Covers you if you are responsible for damage to another person’s property.
• Bodily injury liability insurance: Covers you if your actions or negligence lead to a person getting injured while in your home or on your property.
• Dwelling insurance: Covers damage to the home's structure caused by fire, theft, vandalism, and some severe weather events. Coverage also typically applies to attached elements of your mobile home, including porches and stairs. 
• Personal property insurance: Covers items in and around your home that are damaged, destroyed, vandalized, or stolen, up to a percentage of the home's value. If you have expensive or antique items like jewelry or artwork, you may have to buy a rider on the policy or a separate policy entirely to ensure your special belongings are protected.
• Other structures insurance: Covers property that's not attached to your mobile home, including garages and sheds, against the same perils as dwelling insurance. 
• Flood insurance: If your mobile home is located in an area prone to flooding, you may need to get separate flood coverage to protect your property against natural sources of flood, such as heavy rainfall.
• Additional living expenses coverage: Covers temporary living expenses if your mobile home gets damaged by a covered disaster and displaces you from your home while repairs are underway.

Work together with a local independent insurance agent to build a complete mobile home insurance policy.

What's Not Covered by Mobile Home Insurance in Illinois?

Mobile home insurance comes with certain exclusions that are important to be aware of. In Illinois, mobile home insurance typically won't cover any of the following:

• Insect damage or infestations
• Malicious or intentional acts against third parties
• Natural flood damage (unless you have flood insurance)
• Mold or mildew damage
• General wear and tear of the home

Make sure to review your specific mobile home insurance policy's list of exclusions to be aware of exactly what isn't covered.

Is Mobile Home Insurance Required in Illinois?

Illinois doesn't have any laws requiring coverage for mobile homes, though it's wise to have coverage to protect your home and personal property. However, if you have a mortgage, your lender will typically require you to carry mobile home insurance. 

If you own your home outright, you may opt not to insure your mobile home, but you’ll be responsible for repairing or replacing your home and belongings if they get destroyed in a fire or severe weather event, for example.

How Much Does Mobile Home Insurance Cost in Illinois?

The cost of mobile home insurance can vary based on several factors. In Illinois, mobile home insurance rates can depend on the following:

• Coverage limits selected
• Deductible chosen
• Location
• Property value
• Claims history

You might be able to save money on your Illinois mobile home insurance by way of multi-policy discounts. Also called bundling discounts, these savings are often available to customers who buy more than one type of coverage through the same carrier, such as mobile home insurance and car insurance. An independent insurance agent can also help you find mobile home insurance discounts and affordable coverage near you.

Popular Questions about Illinois Mobile Home Insurance