Mobile Home Insurance Virginia

Independent insurance agency

Mobile Home Insurance in Virginia

Discover hassle-free access to affordable, high-quality mobile home insurance with Jenkins Insurance & Financial Services, Inc.

Insurance Quotes

Start Your Quote for Mobile Home Insurance


Protecting your mobile or manufactured home in Virginia is essential. At Jenkins Insurance & Financial Services, we understand the unique coverage needs of mobile homeowners. Whether you own a mobile home as a primary residence, seasonal getaway, or rental property, we offer insurance solutions to help safeguard your investment. With decades of experience, our team is dedicated to providing personalized service and comprehensive protection for your most valuable asset.

What Is Mobile Home Insurance?

Mobile home insurance, also known as manufactured home insurance, provides financial protection for your home, belongings, and personal liability. These policies can help cover damage from unexpected events, such as fire, severe weather, or vandalism, and may also offer coverage for additional living expenses if your home becomes temporarily uninhabitable. This type of insurance is specifically designed to address the unique risks that come with owning a mobile or manufactured home, ensuring you have the right level of protection.

Client Reviews

The work I did with Jenkins Insurance covered multiple policies, for vehicles and residence, covering several autos and drivers, and was complex and multi-faceted. Tammy worked with me to make sure everything was in order and on time (even with changing deadlines).

Charles G, Google Review

Whenever we need to update our policy because of buying a new car or some other change Mackenzie has been efficient and even sent me copies of the new policy because it wasn’t convenient for me to get them online. Tammy checked our policies (home, auto, and umbrella) and applied a discount so we are paying less per month. Very good agency.

Ann S, Google Review

You have always been there to take care of my needs, answering my questions and keeping me “covered”! I thank you for that!!

Carolyn S, Google Review
Mobile Home Insurance Virginia

Why Do You Need Mobile Home Insurance in Virginia?

While mobile homes are often more affordable than traditional homes, they can be more vulnerable to certain risks, including wind damage, flooding, and fire. Proper insurance can provide peace of mind, helping to cover repair costs, replacement expenses, and liability claims. Additionally, many mortgage lenders and mobile home parks may require proof of insurance to secure financing or a lot lease. Even if it’s not required, having mobile home insurance can be a smart choice for protecting your financial stability in the event of an unexpected loss.

Mobile home insurance typically includes coverage for the structure itself, personal belongings, liability protection, and additional living expenses. Here’s a closer look at the common coverages:

  • Dwelling Coverage: Protects the physical structure of your mobile home, including built-in appliances, plumbing, and electrical systems.
  • Personal Property Coverage: Covers your belongings, such as furniture, electronics, and clothing, against theft, fire, or other covered perils.
  • Liability Coverage: Helps protect you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property.
  • Additional Living Expenses (ALE): Can cover the cost of temporary housing and other related expenses if your home becomes uninhabitable due to a covered loss.

However, coverage details vary by policy and provider. It’s important to discuss your specific needs with a trusted insurance advisor to ensure your policy aligns with your financial goals and risk tolerance.

  • Mobile home insurance is specifically designed to address the unique risks associated with manufactured homes. These homes often have different construction methods and materials, making them more susceptible to certain weather-related risks, such as high winds and hail. This coverage is tailored to reflect these factors, offering protection that standard homeowners policies might not. Additionally, mobile homes may have different depreciation rates and structural considerations, which can impact the type and amount of coverage needed.

  • Several factors can influence the cost of mobile home insurance, including the age and location of your home, safety features, and your claims history. Here are some tips to help you save:

    • Bundle Your Policies: Combine your mobile home insurance with auto, life, or other insurance policies for potential discounts.
    • Improve Home Safety: Installing storm shutters, smoke detectors, home security systems, and fire alarms can help lower your premiums.
    • Maintain a Clean Claims History: Avoiding small claims can keep your rates more favorable over time.
    • Consider a Higher Deductible: Choosing a higher deductible can lower your monthly premium, though it means you’ll pay more out of pocket in the event of a claim.
    • Review Your Coverage Regularly: Periodically assess your coverage needs to ensure you’re not over-insured or under-insured.

What Factors Affect the Cost of Mobile Home Insurance?

The cost of mobile home insurance can vary widely depending on several factors, including:

  • Location: Homes in areas prone to severe weather or higher crime rates may have higher premiums.
  • Home Age and Condition: Newer homes with modern construction standards may cost less to insure.
  • Value of the Home: Higher-valued homes typically have higher premiums.
  • Coverage Limits and Deductibles: Higher limits and lower deductibles generally increase the cost of insurance.
  • Claims History: A history of frequent claims can raise your premiums.
Mobile Home Insurance Virginia
Jenkins Insurance & Financial Services, Inc

Why Choose Jenkins Insurance & Financial Services for Your Mobile Home Insurance in Virginia?

At Jenkins Insurance & Financial Services, we are committed to helping Virginia homeowners find the right coverage for their mobile homes. We work with a wide range of insurance carriers, allowing us to tailor policies to fit your specific needs and budget. Our team takes the time to understand your concerns and offer personalized support. We believe that protecting your home is more than just a policy – it’s about peace of mind and financial security for you and your family.

Ready to protect your mobile home in Virginia? Contact Jenkins Insurance & Financial Services today for a personalized quote. Our team is here to guide you through your options and help you find the right coverage for your needs. We look forward to helping you protect what matters most.

Jenkins Insurance & Financial Services, Inc

Get a Quote

Get a personalized quote! Share your details and a friendly agent will be in touch.