A manufactured home is a unique investment that requires specialized protection. Unlike a one-size-fits-all policy, our insurance is tailored to the specific construction and risks associated with factory-built homes.

OKFB Insurance goes beyond the basics to ensure that from your foundation to your personal possessions, you’re covered. This policy provides crucial liability coverage for accidents and can even help with living expenses if you’re temporarily displaced, giving you the freedom to enjoy your home without worry.

Mobile Homeowners Insurance

How Much Mobile Home Insurance​ Coverage Do I Need?

Selecting the right amount of mobile home insurance doesn’t have to be complicated. Your OKFB agent will start by evaluating the full replacement cost of your manufactured home—including built-in features, attached decks, and awnings. 

Next, they’ll help you assess the value of your personal belongings, determine your ideal liability coverage, and explore optional protections tailored specifically for mobile homes. With personalized guidance and local expertise, you’ll confidently secure the exact coverage you need—protecting your home, family, and financial stability for years to come.

Mobile & Manufactured Home Coverage Options & Features

Dwelling Coverage

Dwelling insurance provides financial protection for the physical structure of a mobile or manufactured home. It typically covers damage to the home’s structure itself in the event of a covered loss.

Other Structures

Other Structures can cover structures on the same lot as your dwelling, like a detached garage or shed. This coverage option does not cover your primary residence.

Personal Property Coverage

Personal Property coverage helps cover your personal belongings inside your mobile home in the event of damages or theft.  Talk with your OKFB agent if you have special items like firearms, furs or jewelry that may need additional coverage.

Additional Living Expense

Additional Living Expense coverage covers extra day-to-day costs, such as charges for temporary housing, incurred in the event that you and your family can’t live in your mobile home due to a covered loss.

Personal Liability Coverage

Personal Liability can keep you covered in case you become legally liable for property damage or bodily injury.

Medical Payments To Others

Medical Payments To Others insurance can cover limited medical payments to those who are injured while on your property, regardless of fault.

Insurance Credits & Discounts

We offer a range of premium discounts to policyholders who qualify under the programs listed below.

Burglary or Fire Alarm Discount

If you have an active burglar or fire alarm in your home, you may be eligible for a discount based on the type of alarm you have installed. Not sure what alarms are eligible? Contact an OKFB agent.

Approved Roof Discount

If you have a U.L. rated class 3 or 4 roof surfacing installed, you may be eligible for a discount. Check here for a list of approved* roof surfacing.

*Please note that list may not be comprehensive. Always check with an OKFB agent to see if your roof surfacing qualifies.

Auto Companion Discount

If you have a qualified auto policy with OKFB, you may be eligible for a discount.

Tie Down Credit

If your mobile home uses approved tie downs to better secure your home, you may be eligible for this discount.

Claims Free Discount

If you have had no insurance claims on your OKFB homeowners insurance policy for three years, you may become eligible for this discount.

PAYMENT OPTIONS & PREFERENCES

Convenient Payment Options

We offer many ways to conveniently pay your mobile home insurance premiums. Choose from a full payment, quarterly payments or a monthly automatic draft from your bank account. Check with an OKFB agent to see which option may be best for you.

Do you need to change your premium payment preferences?

Don’t fret! We understand life happens. That’s why we allow our policyholders to easily update their payment preferences. Contact your OKFB agent to make a change.