A Buyers Guide to Mobile Home Insurance in New Hampshire

Navigating Mobile Home Insurance in the Granite State

Welcome to Portsmouth Atlantic Insurance, your trusted partner in safeguarding your mobile home in New Hampshire. In this guide, we’ll walk you through the ins and outs of mobile home insurance, from understanding what can affect your coverage to tips on reducing your mobile home insurance premiums.

Understanding Mobile Home Insurance

What is Mobile Home Insurance?

Mobile home insurance in New Hampshire is designed to protect your mobile home and personal belongings from unexpected events. Whether you’re in bustling Manchester or in the Seacoast of Portsmouth, our mobile home insurance provides you with peace of mind.

The Challenges of Insuring Manufactured Homes

Why is Mobile Home Insurance Unique?

Mobile home insurance can present unique challenges due to factors like construction quality and susceptibility to environmental conditions. In New Hampshire, where snow and harsh winters are common, insurers may view mobile homes differently than traditional houses.

Un-insurability and Its Causes

What Makes a Mobile Home Uninsurable?

While we aim to protect every mobile homeowner, there are instances where mobile homes may be deemed uninsurable. Some common reasons include:

  1. Age and Condition: Extremely old or poorly maintained mobile homes may pose safety hazards, making them ineligible for coverage.
  2. Location: Proximity to flood-prone areas, high-crime neighborhoods, or wildfire zones can impact insurability.
  3. Past Claims: A history of frequent insurance claims or damage to the mobile home may affect coverage options.
  4. Non-Compliance: Failure to meet safety standards, such as proper tie-downs or anchoring, can result in insurance denial.

The Evolution of Mobile Home Safety

The History of Mobile Home Safety

Mobile homes have come a long way in terms of safety. Over the years, stringent building codes and regulations have been implemented to enhance the safety of mobile homes. However, it wasn’t until the HUD Code was enacted in 1976 that comprehensive safety standards were established. This code ensures that all manufactured homes meet specific construction, safety, and quality criteria.

Denied for Mobile Home Insurance? What’s Next

What to Do if You Can’t Get Mobile Home Insurance

If you find yourself denied mobile home insurance, don’t despair. There are several steps you can take:

  1. Shop Around: Different insurers have varying eligibility criteria, so explore other insurance providers. At Portsmouth Atlantic Insurance, we work with multiple carriers to find the right coverage for your mobile home.
  2. Home Improvements: Consider making necessary improvements to your mobile home to meet safety standards and increase its insurability.
  3. Consult an Agent: Seek advice from an insurance agent who specializes in mobile home insurance. They can help you navigate the complexities and find a solution tailored to your needs.

Understanding Insurance Denials

Why Are You Being Denied for Mobile Home Insurance?

Insurance denials can be attributed to various factors, including:

  1. Risk Assessment: Insurers assess your mobile home’s risk factors, such as location, condition, and past claims history.
  2. Credit Score: In some cases, a low credit score can affect your eligibility for mobile home insurance or your premium rates.
  3. Previous Claims: Frequent claims or a history of insurance fraud can lead to denials.
  4. Non-Compliance: Failure to meet safety and maintenance standards can result in insurance rejection.

Tips to Reduce Mobile Home Insurance Costs

How to Lower Your Mobile Home Insurance Premiums

Here are five tips to help you reduce your mobile home insurance premiums:

  1. Bundle Policies: Consider bundling your mobile home and auto insurance with the same provider to enjoy multi-policy discounts.
  2. Increase Deductibles: Raising your deductible can lower your mobile home insurance premiums. Just make sure you can comfortably cover the deductible in case of a claim.
  3. Home Security: Installing security systems, smoke detectors, and deadbolt locks can earn you discounts on your mobile home insurance.
  4. Maintain Good Credit: A strong credit score can result in lower mobile home insurance premiums, so make sure to pay bills on time and reduce outstanding debts.
  5. Review and Update Coverage: Periodically review your mobile home insurance coverage with your agent to ensure it aligns with your current needs. You might discover areas where you can reduce coverage and save money.

Safety and Stability: Anchoring Your Mobile Home

Does Anchoring Your Mobile Home Make it Safer?

Anchoring your mobile home enhances its safety and stability, especially in areas prone to severe weather. It reduces the risk of damage from strong winds, floods, and shifting ground. Additionally, it may lead to lower mobile home insurance premiums as it demonstrates a commitment to safety and permanence.


In the state of New Hampshire, where towns like Manchester, Nashua, Concord, and Portsmouth thrive, mobile home insurance plays a crucial role in protecting your mobile home. At Portsmouth Atlantic Insurance, we’re committed to assisting you in securing the right coverage for your mobile home, regardless of its age or location. Your mobile home is not just a dwelling; it’s a haven, and we’re here to help you safeguard it. Get in touch with us today to explore your mobile home insurance options and enjoy peace of mind in the Granite State.

At Portsmouth Atlantic Insurance, we’ve been helping our clients insure their homes in NH and throughout New England for close to 20 years.  We represent many different insurance companies when it comes to these specialized policies.  Not only do we help and support our clients when it comes to home insurance, we also help our Realtor & Loan Officer Partners who trust us to help their clients when purchasing a new home. 

Contact Us today for Auto and Home solutions and learn more about how we can help. Give us a call at 603-431-4020, email at insure@portsmouthatlanticins.com or fill out the form on this page to get started.

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We proudly serve residents in New Hampshire, Massachusetts, Vermont, Maine, Connecticut, Rhode Island, New York, Ohio, Illinois & Florida

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