Cheap Mobile Home Insurance Quotes Rhode Island

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Rhode Island may be the smallest state in the country, but it has tons of amazing and exciting things to offer. It has huge buzzing cities, picturesque coastline, year-round supply of seafood, and lots of historic landmarks. This is the reason why it's called the "Ocean State". Consequently, it is also one of the most densely populated and heavily industrialized states in the U.S.

Banking, fishing, and tourism drive Rhode Island's economy. Its capital city Providence gets all the buzz for its festive cultural celebrations, music scene, fantastic nightlife, and romantic architecture and cobblestone streets. Barrington, North Kingstown, and Jamestown however, have their own small-town charm and scenic waterfront communities. These are the reasons why people from all walks of life flock the state. Pair that with competitive cost of living (compared to its Northeast neighbors) and you see why more and more talented millennials, young families, executives, and retirees are all moving to Rhode Island.

Subsequently, many people who move to Rhode Island choose to live in manufactured and mobile homes for convenience and economic reasons. If you're one of them, then you should know the importance of getting a cheap mobile home insurance policy.

Cheap Mobile Home Insurance Quotes

Do you need mobile home insurance in Rhode Island?

Though there are now laws that require manufactured and mobile home owners to acquire a mobile home insurance policy, all mortgage companies and mobile home parks and communities require proof of insurance before they start working with clients and would-be homeowners. Thus, if you intend to get a mortgage, or live in a mobile home park, then you need a mobile home insurance policy.

Also, considering the cost and light construction materials used to make them, it is highly recommended that you protect your investment and assets with a good insurance coverage.

Cheap Mobile Home Insurance Quotes

What's in a mobile home insurance policy?

Mobile home insurance works like a traditional homeowners insurance for site-built houses. It provides financial protection for policy holders' home and properties, and comes with liability protection.

Here's the standard coverage offered for mobile home owners.

Property coverage

Property damage coverage - this coverage pays for the damages in your mobile home incurred from unfortunate events, harsh weather conditions, and accidents.

Personal property coverage - this coverage pays for the personal assets that you own and keep in your mobile home should they get damaged, stolen, or vandalized.

Liability coverage

Homeowner's liability - this coverage pays for the medical expenses should someone gets injured while inside your property due to accident or your negligence. It will also provide you with financial support should you get sued and found liable from accident suffered by your guest(s).

Medical payments - this coverage will provide you financial support in case someone gets seriously injured due to an unfortunate accident while inside your property.

How much does a mobile home insurance cost in Rhode Island?

The average cost for mobile home insurance range from $500 to $1,000 per year. Rates, of course, differ across various insurance companies and are based on lots of factors, such as your address, price, size, and age of your mobile home, current condition of the structure, and the value of items you have inside that you want to be covered in the policy.

You need to compare these quotes from various companies online to ensure you get the best value for money.

For information on other states, make sure to check the individual pages.

Manufactured Home Insurance Companies Near Me

Best Cheap Mobile Home Insurance Rhode Island

Podmaska Insurance Agency Inc

1309 Chalkstone Ave, Providence, RI 02908

(401) 648-6338

Stateline Insurance & Financial Services, Inc.

520 N Broadway, East Providence, RI 02914

(401) 438-8345

No website found


1237 Elmwood Ave, Providence, RI 02907

(401) 258-3489

No website found

Burns & Cotter Insurance

206 Waterman St, Providence, RI 02906

(401) 421-0100

Narragansett Bay Insurance Company

1301 Atwood Ave #316e, Johnston, RI 02919

(401) 725-5600

Auto & Home Insurance

14 Mongenais St, Providence, RI 02909

(401) 455-0400

No website found

OceanPoint Insurance

500 W Main Rd, Middletown, RI 02842

(401) 847-5200

Insurance Center

91 Toll Gate Rd # 100, Warwick, RI 02886

(401) 738-7250