Cheap Mobile Home Insurance Quotes Virginia

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Named after the virgin queen of England Queen Elizabeth I, the state of Virginia is regarded as the birthplace of the nation. The state is rich in history, but its initial draw has always been its unparalleled beauty. It has miles of picturesque coastline, beautiful rivers, and stunning Blue Ridge Mountains. Thus, if you're the kind of person who enjoys biking, hiking, walking or other outdoor activities, you will never run out of fun things to do and gorgeous sights to see in the Old Dominion State.

Virginia has a good combination of big cities and small town charm, conservative and liberal communities. It also has the reputation of strong job market, well-educated residents, rich culture, and expensive cost of living. That doesn't mean there are no lower cost communities in the state though, particularly in the beautiful rural areas and mobile home parks.

One good way to enjoy all the good things this state can offer for a practical and affordable cost is to live in a mobile community. If you are considering that, then you need to know about mobile home insurance.

Cheap Mobile Home Insurance Quotes

Quick mobile home facts in Virginia

  • $92,000 is the average price of pre-owned mobile homes in Virginia
  • 2007 is the average year model of pre-owned mobile homes
  • 1600 square feet is the average size of pre-owned mobile homes

What's in a mobile home insurance coverage?

As with traditional site-built houses, owners of mobile homes require protection and claims unique to them. Thus, insurance companies offer a different type of policy to cover all these unique needs, through their mobile home insurance policy.

Cheap Mobile Home Insurance Quotes

In many cases, mobile home insurance policy works similar to a traditional homeowner's insurance. Meaning it provides policy holders two basic coverage; property and liability coverage.

Property coverage pays for the repairs or rebuilding needed should the mobile home endures damage from natural disasters, such as hail, strong winds, storm, tornadoes, etc. It also provides assistance should the property insured gets vandalized.

Personal property coverage pays for the damaged or stolen valuables inside the mobile home. This includes protection for home items such as appliances, furniture, or personal items like electronics, jewelry, art collection, antiques, etc.

Homeowner's liability coverage provides financial assistance for policy holders should they are found guilty for negligence that led to accident and caused injury to anyone inside their property. This will also pay for the medical expenses of the injured individual(s).

Most of the time, mobile home insurance also provides financial protection for detached structures like decks, patios, porches, and permanent structures like garage, and tool sheds.

What's not included in mobile home insurance in Virginia?

Problems like wear and tear, animal and insect infestation, or damages caused by using your home for business purposes are not included in most mobile home insurance coverage.

Also, most insurance companies don't pay for damages caused by flood. Thus, if live in an area with a history of flooding, then it's a good idea to buy a separate insurance specifically meant for flood damage. You can also ask your insurer if they offer this add-on and bundle it with your existing policy.

How much does a mobile home insurance cost in Virginia?

The average rates for home insurance for manufactured and mobile homes in Virginia range from $500 to $1,100 per year. The cost will vary based on different factors.

The factors that affect the price of mobile home insurance include your exact location, condition, value, age, and size of the mobile structure, deductibles, chosen coverage, and more. Also, quotes and price for one insurance company will differ from the others. Take your time to compare each when choosing the best policy online.

Manufactured Home Insurance Companies Near Me

Best Cheap Mobile Home Insurance Virginia

Prosper Insurance

2929 Sabre St #200, Virginia Beach, VA 23452

(757) 248-5973

Virginia Insurance Group, Inc.

5402 Glenside Dr c, Richmond, VA 23228

(804) 288-7312

The Coelho Insurance Agency

800 Seahawk Cir STE 142, Virginia Beach, VA 23452

(757) 437-9647

Best Insurance Agency Inc

1121 E Washington Ave A, Vinton, VA 24179

(540) 345-9595

Hampton Roads Insurance

633 Independence Blvd STE D, Virginia Beach, VA 23462

(757) 285-4754


1064 Virginia Ave, Clarksville, VA 23927

No phone number found

Kinneman Insurance

50 S Pickett St No. 20-A, Alexandria, VA 22304

(703) 823-8800

Dominion Insurance

2180 McComas Way, Virginia Beach, VA 23456

(757) 427-7507