Mobile & Manufactured Home Insurance in Hendersonville, TN—Coverage Built for Your Home

Protection Designed for Mobile, Manufactured, and Modular Homes

Mobile, manufactured, and modular homes have unique insurance needs. Standard homeowners policies often don’t apply—but specialized mobile/manufactured home insurance does. At The Bill Yon Agency, we help owners across Hendersonville, Nashville, and Sumner County find coverage designed specifically for these homes, including older units, with clear options and no surprises.



Middle Tennessee weather—severe storms, high winds, hail, and winter freezes—makes the right coverage essential.

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Core Protections You Can Expect

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Dwelling Coverage

Helps repair or replace your home after a covered loss, with options for replacement cost depending on eligibility.

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Personal Property

Covers your belongings—furniture, appliances, clothing, and electronics.

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Personal Liability

Protects you if someone is injured on your property or you accidentally cause damage to others.

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Loss of Use

Helps pay for temporary housing if your home becomes uninhabitable due to a covered claim.

Common Exclusions to Know:

Flood and earthquake damage are typically not included and require separate policies. We explain these clearly up front.

Simple Questions, Clear Options

To match you with the right carrier and coverage, we’ll typically ask for:

  • Year built, make, and model

  • Whether the home is mobile, manufactured, or modular

  • Foundation type and tie-downs

  • Individuals with savings, investments, or retirement accounts

  • High-net-worth households seeking additional peace of mind

We’ll review your HOA documents with you to confirm requirements, deductible responsibility, and recommended limits—so there are no surprises.

Middle Tennessee Condo Realities

Condo rebuild costs, rising HOA deductibles, and water losses are common concerns in the Hendersonville/Nashville area. If you’re near shared plumbing, older buildings, or short-term rentals, the right endorsements matter. We’ll help you plan for scenarios like water backup or assessments after a major loss.

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What Renters Ask Most

  • Do I need condo insurance if my HOA has a master policy?

    Yes. The master policy doesn’t cover your belongings, liability, or many interior finishes.

  • What does HO-6 insurance cover in Tennessee?

    Typically walls-in improvements, personal property, liability, loss of use, and optional loss assessment.

  • Does condo insurance cover loss assessment?

    Often as an endorsement. It can help with certain HOA assessments after covered losses.

  • How much coverage do I need?

    We base limits on your HOA policy type, interior upgrades, and lender requirements.

Let’s Review Your HOA Docs—Free and Simple

Not sure what your association covers? We’ll review your documents and recommend the right HO-6 limits.

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Right Coverage, Not Random Add-Ons

As an independent agency, we compare options from multiple top-rated carriers—often with Erie-first expertise for personal lines—to match coverage to your HOA rules and mortgage requirements. That means protection where it counts, without paying for what you don’t need.

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Condo Coverage You Can Trust—From One Local Team

Get clear answers, tailored HO-6 coverage, and local support from The Bill Yon Agency—serving Hendersonville, Nashville, and Goodlettsville.