All you need to rid yourself of insurance problems on a mobile home is to set it on and properly secure it to a normal house foundation.
Once my insurance company verified I had done so, my premium dropped dramatically. It was as secure (more so, actually) as any stick-built home. You DO lose the mobile part of the home, it's quite difficult to move compared to a mobile home as it basically becomes a regular house that's more or less permanently secured to the foundation.
In the process, it also lost the need for yearly registration as the State no longer considered it a mobile home!
I have a daughter. I tell her, "911 is what you dial after you're raped. 1911 is what you should have before they try."