FAQ

We've put together these FAQs about manufactured and mobile home insurance from HomeFirst Agency.

Click on one of the following categories or browse all the questions and answers below. For further assistance, visit the contact us page.

Homefirst® issues policies in all U.S. states except Hawaii, Rhode Island and Vermont. It is easiest to get insurance through Homefirst® by calling our helpful team at 800-664-9309.

We are a homeowner's insurance agency that makes home insurance available to prefabricated homeowners nationwide. We are located in Maryville, Tennessee and have been providing our services for over 19 years.

We write our insurance through American Bankers Insurance Company of Florida (In MN - American Security Insurance Company), a business of Assurant Specialty Property, which is one of the business segments of Assurant, Inc.

The companies we write our business through, American Bankers Insurance company of Florida and American Security Insurance Company, have a Best Rating of A (Excellent) by A.M. Best Company.

We have been providing reliable insurance services to our homeowner's for over 19 years.

To determine how much you should insure your home for, we look at:

  • original purchase price
  • current coverage
  • improvements
  • replacement valuations and pictures to help determine coverage
  • and other factors

Each situation could be different, so it is best to call one of our licensed agents to discuss the best fit for you. Call 1-800-664-9309 to speak to one of our licensed agents.

Mobile home insurance premiums have a few factors in determining the amount of a premium. Things such as personal information, the amount of coverage needed and the type of insurance you're applying for are all factors that go into a premium determination process.

Mobile home insurance is written based off the coverages needed within a specific policy. Homefirst® makes it easy by allowing you to get a quote, have your policy written and make your payments all within a single call.

Under a HomeFirst® policy, you are covered for multiple perils. These include things such as fire, theft, tornadoes and hurricanes.

Your homeowner's insurance policy with HomeFirst® may cover repairs from multiple types of damage caused by water. Talk to your insurance agent to learn exactly what types of water damage your policy covers.

Depending on your policy, mobile home insurance can cover multiple things. With HomeFirst®, we develop a plan specific for your needs. This plan can include protection against physical damage, personal liability, debris removal, etc.

Liability coverage protects you against claims made by a third party such as neighbors or guest, in case of accidental injury.

Dwelling coverage covers your main living structure (your home) and does not include any unattached structures like an unattached garage or the land the home is located on

Coverage for medical expenses incurred or medically found within one year from the date of an accident causing bodily injury such as reasonable charges for*:

  • medical care
  • surgical care
  • x-ray
  • dental care
  • ambulance services to the hospital
  • professional nursing
  • prosthetic devices
  • funeral services

*Amount covered can vary by state. Talk to an insurance rep to learn what your individual policy covers.

Mobile home insurance is a combination of policies needed to protect your mobile home. These policies include physical damage protection, personal liability protection, flood protection, etc.

Although it may not always be required by law, many mortgage companies and neighborhoods do make mobile home insurance a requirement.

Mobile home insurance functions similar to a standard home insurance policy. The process involves getting a quote from our friendly team, choosing a policy that best fits you and making payments easily through our secure payment portal.

Mobile home insurance replacement cost is the amount of coverage you will receive in case of extensive damage to your property that results in the need for complete replacement. The amount of coverage you will receive will equal the amount your property was worth prior to damage.

Actual cash value is the actual value that the property could be sold for which is determined by taking the replacement cost and subtracting the depreciation of the property. The replacement cost is the amount that an entity would need to pay to replace a property or asset.

Debris removal insurance is a policy that covers the reimbursement of costs associated with the clean-up of property damage like burned material from a house fire.

Mobile and manufactured home insurance policies need to be updated in the case of changes to the property. If there haven't been any deductions or additions to the property, there's no need for policy updating.

Yes, to issue the policy we would need to speak with the named insured which should also be the owner of the home.

Although it is helpful, you do not have to have your declaration page when you ask for an insurance quote. However, you will need to know facts about your home such as:

  • Size of home
  • Physical address of home
  • Year of home, adjacent structures
  • Type of material for siding, roof and skirting

Just call our toll-free number, 1-800-804-9389. We will take it from there!

We offer both escrow billing through your lender and installment payment options of 1, 2, 4, 6 or 8 payments a year.

Yes, making payments is easier than you think. You can make online payments using our secure online payment portal.

Some mobile home insurance policy types include:

  • Physical damage protection
  • Personal liability protection
  • Debris removal
  • Medical payment coverage
  • Flood Coverage
  • Multiple peril protection

You can always call our friendly team at 800-664-9309 to find out which coverages best suit a plan for you.

All homeowners have access to mobile home insurance including landlords. Although, it is strongly recommended that landlords require their tenants to purchase their own mobile home insurance prior to living in the home.

Although credit can play an important factor in determining your ability to get mobile home insurance, it's not the only factor. HomeFirst's® goal is to insure and protect as many families as possible, so don't let bad credit deter you from reaching out!

No, farm equipment is excluded from our policies.

You may not be located near water, but your home may still be at risk for flooding. While most homeowner's insurance policies don't include coverage for damage caused by floods, it's included in all of HomeFirst's® home insurance policies to help ensure your family's protection.

Unlike most conventional homeowner policies, our comprehensive mobile home insurance policies provide coverage for damage caused by multiple perils such as floods and earthquakes as well as wind damage from tornadoes and hurricanes.

The cost of mobile home insurance, just like site-built home insurance, varies based on your policy. The cost of a policy can depend on the location, size and age of the home.

Mobile home insurance cost can vary based on several factors. These may include the size, age and location of the home, state you live in and the amount of coverage requested. We work personally with each client to create a policy that fits your specific needs and budget.