Glossary

HO-7 (mobile home form)

A homeowners-style policy for owner-occupied mobile and manufactured homes, adapting property and liability coverage to how those homes are built and sited.

Also called: HO 00 07, HO7, mobile home policy, mobilehome insurance

HO-7 is the label for the mobile home form in the traditional HO series. It works like the HO-3: it insures the home, attached structures and belongings, and carries liability and medical payments coverage like other owner-occupied forms. The label is less standardized than HO-3, though. ISO has handled mobilehome coverage by attaching an endorsement to an HO-2 or HO-3, and many insurers use their own manufactured-home form, so the title on your policy may differ.

These policies address features that site-built homes do not have: anchoring and tie-downs, skirting, steps and decks, transit between sites, and whether the home sits on land you own or in a rented lot. Insurers may set age limits or require proof of anchoring. A home built before the federal HUD Code took effect on June 15, 1976, is a "mobile home" rather than a manufactured home, and some insurers write those only at actual cash value.

If you financed the home as personal property, the lender may appear as a loss payee rather than a mortgagee. For how these policies differ in practice, read mobile and manufactured home insurance and the glossary entry for manufactured home.

Last reviewed October 10, 2026

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Related terms

Manufactured home A house built in a factory on a permanent chassis to the federal HUD code, in effect since June 15, 1976, and insured on forms written for that construction. HO-3 (special form) The most common homeowners policy: open-perils coverage for the house and other structures, and named-perils coverage for belongings. HO-2 (broad form) A named-perils homeowners policy covering 16 listed causes of loss for the house and belongings: broader than the basic form, narrower than the special form. Loss payee A party named on a policy to receive claim money for a particular item or property up to its financial stake, such as a lender or lessor. Special limits of liability Low dollar caps on categories such as cash, jewelry, firearms, silverware and business property that apply no matter how high your belongings limit is.

Related guides

Mobile and manufactured home insurance How insurance for mobile and manufactured homes works: HUD-code dates, why age and tie-downs set the price, ACV vs replacement cost, and the flood gap.