Mobile home insurance coverage calculator
Check your manufactured or mobile home insurance: compare your home and contents value against your dwelling and contents coverage to spot a possible gap.
Published May 31, 2026
This tool compares the values you estimate for your home and its contents against the coverage amounts on your policy, to highlight where the numbers you enter may not line up. It returns general information only — it does not read your policy or interpret its terms.
How this calculator works
It subtracts your dwelling coverage from your estimated home value, and your contents coverage from your estimated contents value, and shows any shortfall. A "gap" here is simply the difference between the figures you typed; it is a prompt to look closer, not a determination about your policy.
What this calculator doesn't do
- It does not read or analyze your insurance policy.
- It does not account for deductibles, replacement-cost versus actual-cash-value terms, or policy exclusions.
- It does not tell you how much coverage you should carry.
- It does not provide legal or financial advice or guarantee any outcome.
For your specific situation, consider consulting a licensed insurance professional or a licensed attorney in your state.
What it would cost to replace the home.
From your policy's declarations page.
Your belongings inside the home.
Based on the values entered, your coverage may be below the values you listed:
| Value | Coverage | Gap | |
|---|---|---|---|
| Dwelling | $70,000 | $55,000 | $15,000 |
| Contents | $20,000 | $10,000 | $10,000 |
A “gap” here just compares the numbers you entered. It does not read your policy, account for deductibles, replacement-cost vs. actual-cash-value terms, or exclusions. An insurance professional can review your actual policy.
This calculator provides general information based only on the values you enter. It does not read or analyze your documents, does not account for every fact in your situation, and does not provide legal or financial advice or guarantee any outcome. For a specific situation, consider consulting a licensed attorney or qualified professional in your state.