Replacement cost coverage for mobile homes
Posted on February 12, 2026
Close the Coverage Gap with RCV
Key Takeaways:
- Manufactured & mobile home insurance that includes replacement cost value
- Actual cash value options available
- All policies provided through a carrier rated A (Excellent) by AM Best
Mobile and manufactured homes can provide cost-effective housing solutions. However, without the right coverage, aging structures, rising building costs, and CAT exposures can create costly gaps for homeowners trying to repair or replace their homes.
You can close those gaps with Preferred policies featuring replacement cost value (RCV) brought to you through Aspera.
Aspera accesses manufactured home insurance with replacement cost coverage up to the dwelling limit on total loss claims for homes of all ages—even older homes. All policies include wind and hail, and we offer additional options for policies with actual cash value (ACV) payout and a variety of personal property coverages.
Our mobile and manufactured home solutions are backed by a carrier rated A (Excellent) by AM best, ensuring coverage you can count on. Options are available for primary, seasonal, or secondary homes, as well as long- or short-term rentals.
With no coastal limitations in our open markets, availability in PC 10 rated zones, and quick turnaround for even your toughest accounts, we make the hard-to-insure easy to please. View our coverage map.
Aspera’s appointed agents can receive a quote in minutes. If you’re not appointed, begin our streamlined appointment process now, and you could be quoting by the end of day.