Mobile home coverage guide · Middle Tennessee
How Much Mobile Home Insurance Do I Need?
Manufactured homes have their own policies. Here’s what to think about for each part.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
Mobile and manufactured home owners usually need dwelling coverage for the home, personal property coverage, liability and loss of use. How the home is set up and tied down, and whether it’s on owned or rented land, all matter.
Coverage
Sizing your mobile home insurance, step by step
Work through these for your mobile home insurance. Rough answers are fine to start.
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1. The home itself
Ask how the home is valued and whether replacement cost is available.
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2. Other structures
Decks, carports and sheds.
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3. Belongings
What it would cost to replace your things.
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4. Liability
For visitors and accidents.
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5. Wind and tie-downs
Tell us how the home is anchored.
This guide is general information, not advice for your situation. Coverage is subject to policy terms, underwriting and availability. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What to gather before you call about mobile home insurance
Having these nearby makes a mobile home insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Year, make and size of the home
- Whether you own the land
- Tie-down and skirting details
- Updates to roof, plumbing and electrical
Around Middle Tennessee
What people often miss with mobile home insurance
Valuation matters: actual cash value and replacement cost can pay very differently.
Flood is excluded and needs a separate policy.
Older manufactured homes can be harder to place, and the way the home is anchored, skirted and heated all come up. Gather the year, make and serial or HUD label if you can find it, plus any updates.
Sources: NAIC: actual cash value vs. replacement cost coverage · FEMA: homeowners insurance does not include flood
Flood is separate
Flood coverage requires a separate policy, and a new NFIP policy typically has a 30-day waiting period.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why talk it through with a local agent?
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Middle Tennessee Mobile Home Coverage Guide FAQs
Updated
Can I get a homeowners policy for a mobile home?
Manufactured homes usually have their own policy type.
How is a mobile home valued?
It depends on the policy. Ask about replacement cost and actual cash value.
Does it matter if I rent the lot?
Yes. Tell us.
Are tie-downs important?
They can matter for insurability and wind.
Is flood covered?
No. Flood is separate.
Are older homes insurable?
Often, depending on condition and updates.
Can I bundle with auto?
Often, yes.
How do I start?
Call 615-562-5100.
Where do I find my home’s HUD label?
It’s usually a metal plate on the outside of each section. A photo helps.
Is a home in a mobile home park insured differently?
Park rules and lot rent can come up. Tell us where the home sits.
Questions about your mobile home insurance?
Tell us a little about your situation and we’ll follow up about your mobile home insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about mobile home coverage guide or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed