RV & Mobile Home Insurance Manufactured homes tend to have more theft claims than stick built homes.* Insurance companies that specialize in RV insurance offer features specific to motor homes that standard auto insurance policies may not include. Policies are based on factors such as the usage of the RV rather than the factors that play a part in determining auto insurance.Mobile home coverage is similar to homeowners insurance, but it is evaluated on different factors because the type of home differs. Every mobile home policy is different, but some common coverage types include coverage of the actual mobile home, coverage of the area surrounding the mobile home (property), liability coverage, and coverage of expenses if you were to lose your mobile home or make your mobile home unlivable.*“Why is Manufactured Home Insurance More Expensive?” Strand Insurance. June 2013.