Illinois Mobile Home Insurance

Find the right mobile home insurance policy for you.

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to


A home can be any shape or size. From Chicago to Champaign and from Skokie to Springfield, home is where you rest your head and spend time with your family. No matter what form your home takes, it should be properly covered through the right insurance policy to protect your assets.

Because mobile, manufactured and modular homes are all different from traditional home construction, they tend to have different insurance options. Finding the right coverage for your home is critical both to protect your home and manage your cost of living. A local independent insurance agent in our network can help you find the right Illinois mobile home insurance for your needs and budget. Contact an agent today for a free quote to get started.

mobile home

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Illinois Facts for Mobile Home Owners

  • According to the Illinois Emergency Management Agency, IL ranks 5th in the U.S. for most tornadoes per 10,000 square miles
  • On average, there are 46 tornadoes in Illinois each year
  • Mobile homes account for 7% of homes in Illinois
  • Half of all tornado fatalities in IL occur in mobile homes
  • The Illinois Emergency Management Agency recommends that mobile home residents seek shelter in a safer structure in the event of a tornado warning

What Are Manufactured, Mobile and Modular Homes?

The term “mobile home” is technically any manufactured home built by pre-1976 standards instituted by the U.S. 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, like 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 agent.

mobile home

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Our independent agents shop around to find you the best coverage.

What Is Mobile Home Insurance and What Does It Cover?

Manufactured 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: Covers you if you are responsible for damage to another person’s property.

Bodily injury liability: Covers you if your actions or negligence lead to a person getting injured while in your home or on your property.

Comprehensive: Covers damage to the home due to fire, theft, vandalism and some severe weather events. (There are exceptions; check your policy for these, as they vary by company and the part of the state in which you live.)

Personal property: This covers you for items in and around your home that are vandalized or stolen, up to a percentage of the value of the home. 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.

Many of these policies will have exceptions to their terms, defining what they will cover under what circumstances. It would be wise to check with an independent agent from our network to review your policy to ensure that you have appropriate coverage for your situation.

Is Illinois Mobile Home Insurance Required?

Illinois does not have any laws requiring coverage for mobile homes. That said, it is a very good idea to have Illinois mobile home insurance. Do you own your manufactured home outright, or did you take out a mortgage on it? Typically, if you’ve mortgaged the purchase of your mobile home, your insurer will require you to carry insurance. If you own it outright, you may opt not to insure your mobile home, but you’ll be responsible for replacing your home and belongings if they are destroyed in a fire or severe weather event, for example.

Comparing Illinois Manufactured Home Insurance Quotes

Comparing various insurance companies can be daunting. Fortunately, an independent agent in our network can gather the information for you, and help you compare Illinois manufactured home insurance quotes quickly and conveniently. The same local agent can work with you on claims and annual coverage reviews no matter which insurance company and coverage option you choose. 

Contact an independent agent near you today for personal assistance.

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