Erie Insurance writes limited mobile home coverage in Kentucky depending on the home’s age, foundation, and condition — but not every mobile home qualifies, and other carriers in our lineup often fit better.
Written by Blake Boswell, owner of the Boswell Insurance Agency, Murray, KY.
What Erie will write in Kentucky
Erie can write mobile and manufactured homes in Kentucky when the home is newer, permanently affixed to a foundation, and meets HUD standards. Double-wides on permanent foundations with well-maintained roofs are the strongest candidates for Erie’s appetite.
What Erie typically won’t write
Older single-wides, homes on temporary blocks, homes with prior structural claims, or manufactured homes in flood zones typically don’t fit Erie’s mobile home box. Erie’s underwriting on manufactured housing is stricter than some competitors.
Better options for Kentucky mobile homes
For mobile homes that don’t fit Erie’s box, we quote through carriers with dedicated manufactured-home programs. Foremost, American Modern, and specialty mobile home carriers often write homes Erie declines. We shop the market and match you with the right fit.
Bottom line for Western Kentucky
Whether you’re in Calloway, Marshall, Graves, or Trigg counties, we can find coverage for almost any manufactured home — Erie when it fits, specialty carriers when it doesn’t. Call for a quote and we’ll match you with the strongest option.
Get a quote
Call (270) 925-1524 or start a quote at theboswellagency.com/quote. See our 136 five-star Google reviews (5.0 stars).
