How much does mobile home insurance cost in Roanoke?
No freely published Roanoke city average mobile home insurance premium was available for this page, so this section does not invent a dollar figure or ship a RateTable of local averages.
Your premium still depends on dwelling value or replacement approach, age and construction of the unit, location, deductible, claims history, liability limits, and whether trip collision, scheduled personal property, or other endorsements apply. The Virginia SCC mobile-homeowners section notes that mobile homes can face higher wind and fire exposure than traditional site-built homes — underwriting factors, not a published city average.
Epic Insurance Group shops 13 carriers from 3800 Electric Road, Suite 205, Roanoke, VA 24018. Call (540) 269-1301 for a quote based on your unit and lot — not a citywide average that does not exist in a free public table.
Methodology
This page does not publish a Roanoke or Virginia average mobile home insurance premium. The NAIC/III tables checked for the Virginia state page did not yield a verified mobile- or manufactured-home house-year average, so no RateTable appears (LAYOUT-030a).
Regulatory facts are from the Virginia SCC Homeowners Insurance Guide (mobile-homeowners section) and Code of Virginia §§ 36-85.22 and 55.1-1301, fetched August 21, 2026. Local flood and weather facts are from the City of Roanoke Flooding in Roanoke 2025 brochure and NWS Blacksburg Top 5 Weather Events of 2024.
Why does mobile home insurance in Roanoke cost what it does?
Three local factors move mobile-homeowners pricing and coverage decisions for Roanoke owners more than a statewide average can show.
What weather and catastrophe exposure does Roanoke face?
Hurricane Helene (September 25–29, 2024) produced catastrophic flooding across the NWS Blacksburg forecast area. The City of Roanoke’s Flooding in Roanoke 2025 brochure records the Roanoke River cresting at 13.15 feet at the Walnut Avenue bridge — the 20th-highest crest on the city’s record — after nearly a week of rain.
NWS Blacksburg lists Helene among its Top 5 Weather Events of 2024, noting eight deaths in the forecast area, historic flooding, six tornadoes associated with Helene, and 52 tornado warnings in September. An EF1 tornado also struck Salem, VA, in May 2024.
Standard mobile-homeowners forms generally exclude flood. The City of Roanoke participates in the NFIP as a Class 6 CRS community, which the City states provides a 20% discount on personal flood premiums in the Special Flood Hazard Area and 10% outside it.
How do claims frequency and wind/fire risk affect Roanoke mobile home rates?
The Virginia SCC Homeowners Insurance Guide’s Mobile Home Policies section notes that construction and park density can increase wind and fire exposure relative to traditional homes. Carriers weigh those factors in underwriting — they are not a published Roanoke median.
Virginia Code § 36-85.22 requires manufactured homes to be set up in accordance with the Code and states that an insurer issuing a homeowners policy on a manufactured home shall not be relieved from meeting windstorm obligations solely because the home was not properly set up.
Water, freezing, and liability losses remain common drivers on dwelling forms. Confusing sewer/drain backup with flood is a frequent Roanoke claim-pattern problem after valley storms.
What local building stock and lot rules matter in Roanoke?
Roanoke’s manufactured- and mobile-home inventory includes park communities and private lots across the independent city and surrounding county. Lot leases and lender requirements often drive what coverage is mandatory even though Virginia does not impose a universal statutory duty to buy a policy.
Under § 55.1-1301, manufactured-home lot rental agreements must include a bold statement that lot rent does not include homeowners insurance and that flood insurance is separate. Parks and lenders may still require proof of coverage as a lease or loan condition.
Trip collision and move-notice rules from the SCC mobile-homeowners guidance matter when a unit will be relocated — typical mobile-homeowners policies usually omit highway collision unless trip collision is purchased.
Statute text: § 36-85.22 · § 55.1-1301 · local flood: Flooding in Roanoke 2025 .
What happens to mobile home rates in Roanoke after a claim?
Contact your insurer or writing agent promptly after a loss. Document damage with photos, protect the property from further damage when safe, and keep copies of all claim correspondence. If windstorm damage implicates set-up, § 36-85.22 addresses when an insurer may not deny a manufactured-home windstorm claim solely for improper set-up.
A paid claim can affect future premiums or eligibility with that carrier; the effect is carrier- and policy-specific. Flood damage still requires a separate NFIP or private flood policy — the HO or mobile-homeowners form typically will not respond to rising surface water.
If coverage is disputed, request the exclusion language in writing. Consumers can file a complaint with the Virginia State Corporation Commission Bureau of Insurance through its Insurance Complaint Portal or by mail or fax.
Consumer complaint resources: SCC file an insurance complaint · Virginia Homeowners Insurance Guide .
Our Roanoke office
Epic Insurance Group’s Roanoke office is at 3800 Electric Road, Suite 205, Roanoke, VA 24018. Call (540) 269-1301 for mobile home and flood questions.
Bring the unit year, make/model or HUD label information, lot lease insurance requirements, and any lender instructions. Primary CTA for this page is the local phone line, not a central form funnel.
Epic Insurance Group — Roanoke
3800 Electric Road, Suite 205
Roanoke, VA 24018
(540) 269-1301 ·
Map
Who are the licensed agents serving Roanoke?
Justin Miller is a Licensed Insurance Agent (Property & Casualty Producer) with Epic Insurance Group in Roanoke. He has more than 12 years in insurance and serves personal-lines clients across the Roanoke Valley.
License numbers are not displayed on this page per agency policy. Coverage descriptions are general; the policy governs. Coverage is not bound or changed until confirmed by a licensed agent during normal business hours.
We shop 13 carriers for the clients we serve. Named carrier appointments for mobile-home products are not listed here; the countable claim is the shop count.
Learn more about Justin Miller.
What do Roanoke clients say?
Epic Insurance Group has 189 Google reviews averaging 5.0 as of August 20, 2026. Location-tagged Roanoke-only review rows are not yet in the agency profile, so the quotes below are agency-approved testimonials — not invented by-location reviews.
“We had a great experience working with Justin Miller at Epic Insurance. He was extremely quick to respond, very communicative throughout the whole process, and made switching our insurance over incredibly easy. He got us a great deal and had everything handled within just a couple of days.”
“He was professional, knowledgeable, and took the time to explain all of my coverage options clearly. Justin made the entire process simple and stress-free while helping me find great coverage for my needs. His customer service and communication were outstanding from start to finish.”
These are genuine client comments selected from our Google reviews. We were not paid for these specific quotes. Compensation from insurance carriers is by commission and does not change based on whether a client leaves a review.
Roanoke mobile home insurance FAQs
Is mobile home insurance required in Roanoke, VA?
Virginia does not require every mobile home owner to carry a policy by statewide statute. Lenders and manufactured-home lot leases often require proof of coverage as a contract condition. § 55.1-1301 requires lot rental agreements to disclose that lot rent excludes homeowners and flood insurance.
Does mobile home insurance cover flood in Roanoke?
Generally no. Standard mobile-homeowners forms exclude flood. After Hurricane Helene, the Roanoke River crested 13.15 ft at Walnut Avenue. Buy NFIP or private flood coverage separately. The City is NFIP CRS Class 6.
What does Virginia Code § 36-85.22 do for windstorm claims?
§ 36-85.22 requires manufactured homes to be set up in accordance with the Code and provides that an insurer issuing a homeowners policy on a manufactured home shall not be relieved from meeting windstorm obligations solely because the home was not properly set up.
How much does mobile home insurance cost in Roanoke?
There is no freely published Roanoke city average mobile home premium cited on this page. Cost depends on the unit, location, limits, and carrier appetite. Epic Insurance Group shops 13 carriers — call (540) 269-1301 for a quote.
What is trip collision coverage?
The Virginia SCC notes typical mobile-homeowners policies usually do not cover highway collision damage when the home is moved, though trip collision coverage can often be purchased for a move. Some companies also require notice before the home is relocated.
Where is Epic Insurance Group’s Roanoke office?
3800 Electric Road, Suite 205, Roanoke, VA 24018. Phone (540) 269-1301.
Will a claim raise my Roanoke mobile home rates?
Often at renewal — carriers may re-rate, raise deductibles, or non-renew based on loss history. The effect is carrier-specific. Keep documentation of the loss and any set-up or flood determinations.
How do I file an insurance complaint in Virginia?
File with the Virginia State Corporation Commission Bureau of Insurance through the online Insurance Complaint Portal or by mail or fax. The SCC states complaints are not accepted by phone or email.
How much is insurance near me? — Explore nearby cities
Mobile home coverage questions in the Roanoke Valley often come from neighbouring communities as well. Start with the Virginia state guide for statute and SCC context, then use the city links below as the cluster fills in.
Epic Insurance Group is a licensed independent insurance agency in Virginia. Coverage descriptions are general; the policy governs. Coverage is not bound or changed until confirmed by a licensed agent during normal business hours.
We are appointed with multiple carriers and are compensated by commission. We are paid the same regardless of which carrier you choose.
Sources
- Virginia State Corporation Commission, Bureau of Insurance . “Virginia Homeowners Insurance Guide.” Accessed August 21, 2026.
- Virginia Legislative Information System . “§ 36-85.22. Set-up requirements; effect on insurance policies.” Accessed August 21, 2026.
- Virginia Legislative Information System . “§ 55.1-1301. Written rental agreement required.” Accessed August 21, 2026.
- City of Roanoke . “Flooding in Roanoke 2025.” Accessed August 21, 2026.
- National Weather Service Blacksburg . “Top 5 Weather Events of 2024.” Accessed August 21, 2026.
- FEMA FloodSmart . “Buy a flood insurance policy.” Accessed August 21, 2026.