The Average Cost Of Mobile Home Insurance In Arkansas

average cost of mobile home insurance in Arkansas

Mobile home living offers an affordable housing option for many people in Arkansas. With its rural landscapes and tight-knit communities, the state provides a welcoming environment for mobile homeowners. However, protecting this investment through insurance is essential.

This blog delves into the average cost of mobile home insurance in Arkansas, factors influencing these costs, coverage options, and tips for securing affordable premiums.

What is Mobile Home Insurance?

Mobile home insurance, often referred to as manufactured home insurance, provides coverage similar to standard homeowners insurance but tailored specifically for mobile homes in Arkansas. It typically includes protection for the structure, personal belongings, liability, and additional living expenses if the home becomes uninhabitable due to a covered peril.

Average Cost of Mobile Home Insurance in Arkansas

The cost of mobile home insurance in Arkansas can vary significantly based on various factors. On average, homeowners can expect to pay between $300 and $1,000 annually for a standard insurance policy. However, these figures can fluctuate depending on individual circumstances and the specific coverage options chosen.

a manufactured home with a lawn and a driveway

Factors Influencing Mobile Home Insurance Costs

Several factors contribute to the overall cost of mobile home insurance in Arkansas. Understanding these factors can help homeowners make informed decisions when selecting a policy.

  1. Location

The location of the mobile home significantly impacts insurance premiums. Areas prone to natural disasters such as tornadoes, floods, or earthquakes may have higher insurance costs.

In Arkansas, tornadoes are a common concern, particularly in the northern and central regions of the state. To cover this increased risk, insurers might raise rates.

  1. Age and Condition of the Home

Older mobile homes or those in poor condition often cost more to insure. Newer models typically have updated safety features and are built to more stringent standards, which can reduce the risk of damage and lower insurance costs.

  1. Value of the Home and Contents

The insured value of the mobile home and its contents will directly affect the insurance cost. Higher coverage limits mean higher premiums. It’s essential to accurately assess the home’s and belongings’ value to ensure adequate coverage without overpaying.

  1. Coverage Options

The type and amount of coverage selected will influence the premium. Basic policies might cover only certain perils, while comprehensive policies offer broader protection. Additional coverage options, such as flood insurance or replacement cost coverage, will increase the premium.

  1. Deductibles

Choosing a higher deductible can lower the annual premium. However, homeowners should ensure they can afford the out-of-pocket cost in the event of a claim.

  1. Credit Score

In many states, including Arkansas, insurers use credit scores as a factor in determining premiums. Costs for insurance may decrease with a higher credit score.

  1. Safety Features

Homes with safety features such as smoke detectors, security systems, and storm shutters may qualify for discounts on insurance premiums.

Typical Coverage Options

Mobile home insurance policies generally offer several types of coverage. Understanding these options helps homeowners choose the right level of protection.

  1. Dwelling Coverage

This covers the physical structure of the mobile home, including walls, roof, and attached structures. It protects against perils such as fire, wind, hail, and vandalism.

  1. Personal Property Coverage

This protects personal belongings inside the mobile home, such as furniture, electronics, and clothing. Coverage can be on an actual cash value or replacement cost basis.

  1. Liability Coverage

Liability coverage protects against legal liability for bodily injury or property damage to others. It covers legal fees and any settlements or judgments up to the policy limit.

  1. Loss of Use Coverage

If the mobile home becomes uninhabitable due to a covered peril, loss of use coverage pays for additional living expenses such as hotel stays and meals.

  1. Additional Coverage Options

Homeowners may choose to add optional coverages such as flood insurance, earthquake insurance, or coverage for detached structures like sheds or garages.

Tips for Reducing Mobile Home Insurance Costs in Arkansas

Securing affordable mobile home insurance coverage requires a proactive approach. Here are some strategies to help lower premiums without sacrificing necessary coverage.

  1. Shop Around

Comparing quotes from multiple insurance providers is one of the most effective ways to find a competitive insurance rate. Each insurer assesses risk differently, so prices can vary widely.

  1. Bundle Policies

Many insurance companies offer discounts for bundling multiple policies, such as combining mobile home insurance with auto insurance.

  1. Increase Deductibles

Opting for a higher deductible can reduce the annual premium. However, ensure that the deductible is affordable in case of a claim.

  1. Improve Home Security

Installing security systems, smoke detectors, and storm shutters can qualify homeowners for discounts on their insurance premiums.

  1. Maintain a Good Credit Score

Insurance rates may decrease with a higher credit score. Regularly check and improve your credit report to maintain a favorable score.

  1. Review Coverage Annually

Regularly reviewing and updating your insurance policy ensures that you have the right amount of coverage and are not paying for unnecessary extras.

  1. Ask About Discounts

Insurance companies offer various discounts for things like being a non-smoker, being retired, or having a long-standing relationship with the insurer. Always ask about available discounts.


Mobile home insurance is a crucial investment for homeowners in Arkansas, providing financial protection against unforeseen events. The average cost of mobile home insurance in Arkansas ranges from $300 to $1,000 annually, influenced by factors such as location, home value, and coverage options. By understanding these factors and exploring ways to reduce premiums, homeowners can secure comprehensive coverage at an affordable price.

Whether you are a new mobile homeowner or looking to reassess your current policy, it’s essential to shop around, understand your coverage needs, and take advantage of discounts.

Protecting your home with the right insurance policy ensures peace of mind and financial security for you and your family. Contact G&G Independent Insurance to get a free quote today!