Lakewood has 69,585 residents in 14,036 households. We list 3 agencies for mobile home insurance in Lakewood. Here is what the local numbers say about the cover people here need.

Lakewood at a glance

3mobile home insurance agencies listed
60.9%of households rentRenters insurance
$715,500median home valueHome insurance
1993median year homes were builtRebuild cost calculator
10%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Ocean County

FEMA rates the overall natural hazard risk in Ocean County, where most Lakewood agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Lakewood
Winter weatherVery High
Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Lakewood
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Questions

Mobile Home insurance in Lakewood

All insurance agencies in Lakewood · Mobile Home insurance across New Jersey

Where can I find mobile home insurance in Lakewood?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does mobile home insurance cover?

Written for manufactured and mobile homes, which standard home policies exclude.

Do I need flood insurance in Lakewood?

FEMA's National Risk Index rates coastal flooding risk in Ocean County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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