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Get A Quote For Delaware Manufactured & Mobile Home Insurance

Affordable Protection for Mobile & Manufactured Homes Across Delaware

Whether you live in your manufactured home full-time or seasonally, it’s important to protect your investment with specialized coverage. Downes Insurance Associates offers customizable insurance for mobile homes, trailers, and manufactured homes across Delaware.

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We work with top carriers that understand the unique risks mobile homeowners face — and help you get the protection you need at a price you can afford.

 

Simply fill out the form below completely and click the Submit button to send your information. Your home insurance request will be handled promptly!​

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Selecting multiple insurance options can quality for bundled discounts

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What Does Mobile Home Insurance Cover?

Manufactured home insurance provides many of the same protections as a standard homeowners policy — tailored for factory-built housing.

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  • Dwelling Coverage: Repairs or rebuilds your home after fire, storm, or vandalism

  • Personal Property: Covers your belongings (furniture, appliances, electronics)

  • Liability Protection: Helps pay legal/medical costs if someone is injured on your property

  • Loss of Use: Pays for temporary housing if your home becomes uninhabitable

  • Attached Structures: Coverage for decks, carports, awnings, and porches

  • Optional Add-Ons: Flood, earthquake, replacement cost, or identity theft coverage

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Many Delaware parks and communities require proof of insurance for residency — we’ll make sure you meet all requirements.

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Who Needs Manufactured Home Insurance?

You should carry a manufactured/mobile home policy if you:

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  • Own a single-wide, double-wide, or modular home

  • Live in a mobile home park or private land

  • Lease land but own the home itself

  • Rent out your manufactured home to tenants

  • Have a mortgage (your lender will likely require insurance)

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We provide coverage for owner-occupied, seasonal, and rental units statewide.

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Local Coverage for Delaware Residents

We insure manufactured and mobile homes in:

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New Castle County • Kent County • Sussex County
Wilmington • Newark • Dover • Middletown • Smyrna • Milford • Georgetown • Rehoboth Beach • Seaford • Lewes • Dewey Beach • Harrington • Houston • Frederica • Greenwood • Slaughter Beach • Felton • Magnolia

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Whether you're near the coast or inland, we’ll tailor coverage for your location and risks.

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How Much Does Mobile Home Insurance Cost?

Costs vary based on:

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  • Age, size, and construction type of the home

  • Location (zip code, flood zone, park vs. private land)

  • Coverage amounts and deductibles

  • Security features or upgrades

  • Claims history

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You may be able to bundle with auto or umbrella insurance to save even more.

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Why Choose Downes Insurance?

  • Local Delaware agency since 1991

  • Independent — we quote multiple top mobile home insurers

  • Help with documentation for mobile home parks

  • Fast quotes, easy applications, and expert guidance

  • Claims support when you need it most

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“Downes helped us find great coverage for our double-wide in Sussex County — and we saved over $400/year.” — Client, Millsboro DE

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📞 Get a Free Delaware Mobile Home Insurance Quote

Protect your home — whether it rolls or rests on a foundation. Let our experienced agents find the right plan for you.

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👉 Call (302) 422-8863

👉 Ask about bundling with auto or flood insurance

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