Manufactured & mobile home insurance in South Carolina

Coverage Built for Manufactured Homes

Insurance that understands how you live
Manufactured and mobile homes—single-wide, double-wide, and modular—have unique coverage needs that standard policies don’t always address. The Sullivan Agency helps owners across Greenville, Easley, Anderson, and Spartanburg compare mobile home insurance in South Carolina, with options tailored for your park, community, or private lot. We’ll clarify how coverage works for tiedowns, skirting, and porches, and explain what’s different from traditional homeowners insurance so you’re not left guessing.

What Your Policy Can Cover

Dwelling, belongings, liability, and living expenses

Person carrying money bag, shield. Financial protection concept.

Dwelling coverage for the home itself—including attached structures—against covered perils like fire, wind, hail, and theft.

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Personal property for furniture, electronics, appliances, and clothing—replacement cost options available.

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Personal liability if someone is injured on your property or you cause accidental damage to others.

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Loss of use to help with hotel and meal costs if a covered claim forces you out during repairs.

We’ll also review special deductibles (often separate wind/hail deductibles) common in mobile home policies across Upstate SC.

 South Carolina Weather & Common Risks

Plan for wind, hail, and severe storms

From Blue Ridge wind events to summer hail near Simpsonville, manufactured homes can face heightened exposure. We’ll explain roof age requirements, tie-down considerations, and whether your location could benefit from separate flood insurance—especially if you’re near rivers, creeks, or low-lying areas around Greenville.

Optional Enhancements

Make your protection more complete

Ask about trip collision coverage if you plan to relocate your home, equipment breakdown for built-in systems, water backup for sump or sewer incidents, and higher limits for valuables. If you also drive in the Upstate, pairing your policy with auto insurance can unlock multi-policy discounts while keeping everything in one place.

Cost Factors & Ways to Save

Get value without cutting corners

Premiums reflect the home’s age, construction, roof type, protection class, claims history, and location. The Sullivan Agency shops multiple markets that specialize in manufactured homes and looks for savings based on alarms, updated roofs, and community eligibility. We’ll balance deductible choices and replacement cost options so your coverage makes sense for both risk and budget.

 Common questions from SC mobile home owners

  • Is mobile home insurance required?

    If you have a mortgage or community requirements, coverage is typically required. Even without a lender, insurance is strongly recommended due to elevated wind and hail exposure.

  • Why is there a separate wind/hail deductible?

    Many policies use a percentage or flat wind/hail deductible to reflect higher storm risk. We’ll help you choose an amount that fits your budget and tolerance for out-of-pocket costs.

  • Does the policy cover moving the home?

    Not automatically. Ask about trip collision coverage if you plan to relocate your home so transport-related damage is considered.

  • Is flood damage included?

    No—flood is excluded from standard policies. We can quote a separate flood policy if your site is near waterways or in a low-lying area.