Mobile Home Insurance in Myrtle Beach, SC

What Is Mobile Home Insurance?

Mobile home insurance protects manufactured homes and mobile homes from damage, theft, and liability. If you own a mobile home in Myrtle Beach or anywhere in South Carolina, you need specialized coverage designed for this type of property. Standard homeowners insurance won't cover a manufactured home — you need a policy built specifically for mobile and manufactured housing.

Whether your mobile home sits in a community park in Conway, on leased land in North Myrtle Beach, or on your own property in Murrells Inlet, mobile home insurance keeps you protected from fire, wind, theft, and liability risks.

Why Myrtle Beach Mobile Home Owners Need Insurance

Mobile homes and manufactured homes face different risks than traditional site-built houses. They're more vulnerable to wind damage, and their construction differs from conventional homes. A mobile home insurance policy is designed to address these unique factors and provide coverage that fits your situation.

• Standard homeowners policies don't cover mobile or manufactured homes


• Lenders and park owners often require proof of insurance


• Protects against wind, fire, hail, lightning, theft, and vandalism


• Covers liability if someone is injured on your property


• Provides additional living expenses if your home becomes uninhabitable


• Can include coverage for transportation if you move your home

What Does Mobile Home Insurance Cover?

A mobile home insurance policy in South Carolina typically includes several coverages designed to protect your home, belongings, and finances.

Dwelling Coverage: Pays to repair or replace your mobile home's structure if it's damaged by a covered peril like fire, wind, hail, or lightning. This includes the walls, roof, floors, built-in appliances, and systems like plumbing and electrical. If a storm damages your roof or a fire destroys your kitchen, dwelling coverage pays for repairs or replacement.

Personal Property Coverage: Protects your belongings — furniture, electronics, clothing, appliances, and other personal items — if they're damaged, destroyed, or stolen. If a break-in at your Surfside Beach mobile home results in stolen property, this coverage reimburses you up to your policy limits.

Other Structures Coverage: Covers detached structures on your property, such as storage sheds, carports, decks, and fences. If you own the land your mobile home sits on and have additional structures, this coverage protects them.

Liability Protection: Covers legal expenses, medical bills, and settlements if someone is injured on your property and you're found responsible. If a guest trips on your steps and decides to sue, your mobile home insurance helps cover the costs.

Medical Payments to Others: Pays for minor medical expenses if a guest is injured on your property, regardless of who's at fault. This can help resolve smaller incidents before they turn into lawsuits.

Additional Living Expenses (Loss of Use): Pays for temporary housing, meals, and other costs if your mobile home is too damaged to live in after a covered event. If you need to stay elsewhere while your home is being repaired, this coverage helps with those expenses.

Optional Mobile Home Insurance Coverages

Depending on your situation, you may want to add optional coverages to your mobile home policy for more complete protection.

Trip Collision Coverage: If you move your mobile home to a new location, this coverage protects against damage that occurs during transportation. This is especially useful if you're relocating within South Carolina or moving to a new community.

Flood Insurance: Standard mobile home insurance does not cover flood damage. If your home is in a flood-prone area — and many parts of Myrtle Beach, Pawleys Island, and Georgetown are — you need a separate flood insurance policy.

Earthquake Coverage: South Carolina does experience occasional seismic activity. If you want protection against earthquake damage, you can add this coverage to your policy or purchase a separate earthquake policy.

Scheduled Personal Property: If you own high-value items like jewelry, collectibles, or electronics that exceed standard policy limits, you can schedule them separately for full coverage.

Mobile Homes in Parks vs. Private Land

Your mobile home insurance needs depend partly on where your home is located. Coverage requirements and options differ based on whether you live in a mobile home park or on private property.

Mobile Home Parks: If your home is in a park or community, you typically lease the land and are responsible only for insuring your home and belongings. The park owner usually carries liability coverage for common areas, but you still need your own policy for your unit, personal property, and liability inside your home. Many parks in Conway, North Myrtle Beach, and the Myrtle Beach area require residents to carry insurance.

Private Land: If you own the land your mobile home sits on, you may have additional coverage needs. You'll want to insure other structures on the property, and you may have more liability exposure. Your policy can be tailored to cover the full scope of your property.

Our agents can help you figure out exactly what coverage you need based on your specific situation.

What's the Difference Between Mobile Home Insurance and Homeowners Insurance?

Mobile home insurance is specifically designed for manufactured and mobile homes. These policies account for differences in construction, foundation types, and risk factors that don't apply to traditional site-built houses.

Key differences include:

• Mobile home policies address the unique wind vulnerability of manufactured housing


• Coverage options reflect whether your home is on a permanent foundation or not


• Policies can include trip collision coverage for relocating your home


• Rates are based on factors specific to manufactured homes, like tie-down systems and skirting

If you try to insure a mobile home with a standard homeowners policy, you likely won't be covered — or the policy will be voided when you file a claim. Make sure you have the right type of coverage for your manufactured home.

How Much Does Mobile Home Insurance Cost in South Carolina?

The cost of mobile home insurance depends on several factors, including your home's age, size, location, construction type, and the coverage limits you choose. Homes closer to the coast in Myrtle Beach, Surfside Beach, and Litchfield may have higher premiums due to wind and hurricane exposure.

You may be able to lower your premium by installing storm straps or tie-downs, adding skirting, choosing a higher deductible, or bundling with auto insurance. Homes on permanent foundations may also qualify for lower rates.

Moore & Associates shops multiple carriers to find competitive mobile home insurance rates for South Carolina residents. We'll help you get the coverage you need without overpaying.

Why Work With Moore & Associates?

As an independent insurance agency in Myrtle Beach, SC, we work with multiple insurance companies to find the right mobile home insurance policy for your needs. We're not tied to one carrier, so we can compare options and get you solid coverage at a fair price.

Moore & Associates has served South Carolina homeowners since 1979. We understand the local market and the unique risks mobile home owners face in coastal areas. When you call, you reach a local agent who knows Myrtle Beach, Conway, North Myrtle Beach, Murrells Inlet, and Georgetown — not a call center in another state.

Get a Mobile Home Insurance Quote in Myrtle Beach, South Carolina

Our mobile home insurance agents serve Myrtle Beach, South Carolina and surrounding areas including North Myrtle Beach, Atlantic Beach, Conway, Surfside Beach, Murrells Inlet, Litchfield, Pawleys Island, and Georgetown. Contact Moore & Associates today for a free quote.