Best Mobile Home Insurance Companies

There are notable differences from regular homeowners insurance

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Owning a mobile home (also referred to as a manufactured home) has special considerations that are different from those involved with owning a traditional home, such as qualifying for an insurance policy. Luckily, there are separate mobile home insurance policies that offer protection against certain types of vulnerability, such as windstorms and water damage. 

To help you find the best coverage for your needs, we’ve selected five mobile home insurance companies as worthy of attention.

Best Mobile Home Insurance Companies of December 2022

Best Overall : Foremost

Founded in 1952 and with more than 38,000 agents representing the company, Foremost is part of the Farmers Insurance group. The insurer is one of the largest mobile insurance providers in the country, and we chose this as the best overall company due to its add-on coverages, willingness to provide policies for mobile homeowners despite credit issues, and types of discounts available.

  • Offers good range of additional coverage, such as debris removal and food spoilage

  • Willing to write policies for those who have had credit issues and older dwellings

  • Endorsed by AARP and provides discounts to its members

  • No online application available

  • Not available in Hawaii and Washington, D.C.

  • Reports of slow claims process

Foremost offers comprehensive property cost coverage, personal liability, and property coverage, and extras such as food spoilage, additional living expenses, and locksmith coverage. Add-ons include earthquake coverage, water damage, identity fraud expense, and trip coverage when your home is being transported. 

Foremost also offers extended replacement coverage (not always offered from other insurers), so if your home is declared a total loss, you’ll be eligible for up to an additional 20% reimbursement above your policy limit’s value. A discount you may be eligible for is a protective devices discount, including having a central security alarm in your home.

Additional details:

  • J.D. Power 2021 Customer Satisfaction Index Rating (under Farmers): 868 out of 1,000 points
  • AM Best Financial Strength Rating: A (Excellent)
  • J.D. Power 2021 Claims Services Rating (under Farmers): 884 out of 1,000 points

Best for New Homeowners : Progressive

Founded in 1937, Progressive is one of the largest insurance companies in the country. Progressive offers discounts geared specifically for new homeowners. In particular, it’s easy to get a quote online, and it offers perks such as its contractor connection network.

  • Replacement cost coverage

  • Discounts geared toward new homeowners

  • Mobile app available

  • Coverage and discounts vary by state

  • Poor consumer ratings

  • Some policies underwritten by third-party companies

Progressive’s coverage includes protection for your dwelling in case of fire, hailstorm, theft, vandalism, explosions, and other covered perils. It also includes actual cash value for personal property, loss of use coverage, and liability coverage. Homeowners can also add on trip collision coverage and replacement cost coverage, though these vary from state to state. 

One of Progressive’s attractive discounts is the ability to bundle your mobile home and auto policies and be responsible for only one deductible—your claim needs to apply to both, and the offer isn’t available in all states. Other discounts include ones for new homeowners, paying in full, opting to receive policy documents electronically, and installing safety devices. 

Additional Details:

  • J.D. Power 2021 Customer Satisfaction Index Rating: 856 out of 1,000 points
  • AM Best Financial Strength Rating: A+ (Superior)
  • J.D. Power 2021 Claims Services Rating: 879 out of 1,000 points

Best for Retirees : Allstate

Allstate Insurance

Allstate Insurance

Founded in 1931 and based in Northbrook, Ill., Allstate is one of the country’s largest insurance companies. We picked it as the best one for retirees because of its discounts specifically designed for this demographic and the ability to get face-to-face interaction with an Allstate agent.

  • Discounts for original title holders and retirees

  • Good optional coverage choices

  • Mobile app available

  • No immediate online quotes

  • Customer experiences vary depending on local agent

Allstate provides standard mobile home insurance much like other companies, such as actual cash or replacement cost coverage for your mobile home structure and personal property, guest medical protection, and liability protection. Optional coverages include protection against water backup, green improvement reimbursement, and electronic data recovery. 

Allstate offers a whole slew of discounts, including for multiple policies, enrolling in autopay, being claims-free, and new customers. Additional discounts include ones for original titleholders and those who are over 55 and retired.

Additional details:

  • J.D. Power 2021 Customer Satisfaction Index Rating: 870 out of 1,000 points
  • AM Best Financial Strength Rating: A+ (Superior)
  • J.D. Power 2021 Claims Services Rating: 882 out of 1,000 points

Read the full review: Allstate Homeowners Insurance

Best for Discounts : American Family Insurance

Founded in 1927, American Family Insurance is also known as AmFam. This insurer is the best for discounts because it offers one of the largest amounts of discounts, including a special one—the generational discount.

  • Large number of ways to quality for discounts

  • Mobile app that can track your claim's status

  • Variety of additional coverage options

  • Coverage in only 19 states

  • Reports of slow claims processing

American Family offers standard coverage damages from fire, theft, vandalism, and other covered perils, personal liability, loss of use, and medical payments if a guest is injured on your property. Policyholders have the option of adding optional coverages, such as ones for hidden water damage, matching siding endorsement, trip collision coverage, and property coverage for other structures. 

This insurer offers the usual discounts, such as ones for bundling policies, enrolling in autopay, installing safety devices (including ones for smart homes), being a loyal customer, and new homes. Policyholders who have parents who are also policyholders get a discount. American Family Insurance also offers diminishing deductible coverage, where you get a $100 credit automatically and your deductible will go lower each year you renew your policy. 

Additional details:

  • J.D. Power 2021 Customer Satisfaction Index Rating: 899 out of 1,000 points
  • AM Best Financial Strength Rating: A (Excellent)
  • J.D. Power 2021 Claims Services Rating: 890 out of 1,000 points

Best for Specialized Coverage : American Modern

Founded in 1949, American Modern claims that it’s one of the first companies to specialize in mobile home insurance. We picked this as the best contender for specialized coverage due to the fact that it offers protection for older mobile homes and ones that are vacant or aren’t occupied full time. 

  • Coverage for older mobile homes

  • Coverage for vacant or seasonal mobile homes

  • Flexible payment options

  • Must contact agent for a quote

  • Discounts not as generous as other insurers

American Modern’s standard coverage is basic, offering protection against covered perils such as fire, wind, and lightning, with repairs based on actual cash value, though there is an option to upgrade to replacement cost. It also has medical coverage, personal property coverage, and actual cash value coverage for personal property. Optional coverage includes for seasonal or vacant mobile homes, protection against water backup, full repair cost loss settlement, and enhanced coverage for additional causes of loss.

The insurer provides a few discounts, including the usual ones for bundling policies, paying in full, installing safety systems, and receiving paperless documents. However, coverage for vacant properties isn’t eligible for a discount, and other policies may only receive up to 10% off premiums.

Additional details:

  • J.D. Power 2021 Customer Satisfaction Index Rating: N/A
  • AM Best Financial Strength Rating: A+
  • J.D. Power 2021 Claims Services Rating: N/A

Frequently Asked Questions

Do You Need Mobile Home Insurance?

Laws don’t require you to have mobile home insurance, but that doesn’t mean you don’t need to purchase a policy. Most home lenders require you to have a certain amount of coverage before you’re approved for a mortgage. In addition, you may need some type of mobile home insurance if you want to legally put your home in most mobile home parks. 

Also, you should consider having some form of mobile home insurance as a way to protect your property and belongings, especially if you can’t cover the cost of repairing or replacing your mobile home. 

What Does Mobile Home Insurance Cover?

Although a standard mobile home insurance policy can differ from state to state, it typically offers similar coverage types, including:

  • Physical Property Damage: Your mobile home insurance company will pay for repairs when damaged by events that are covered under your policy. This could include explosions, falling objects, fire, lightning, landslides, ice and/or snow, vandalism, wild or stray animals, and wind.
  • Personal Property Damage: Your policy will cover the cost of replacing or repairing your belongings, including electronics and furniture if damaged or stolen.
  • Liability Coverage: If you accidentally cause property damage to others, or if someone who doesn’t reside in your property is hurt or injured while at it, the insurance policy will cover the damage and their medical bills.
  • Additional Living Expense: Mobile home insurance policies may cover the cost of hotel rooms and living expenses if your home is uninhabitable while repairs are being made.

There may also be coverage specific to mobile homes, such as trip collision coverage to protect your home against repairs if it’s damaged while moving between locations. Other optional coverages include ones for hidden water damage, debris removal, and matching siding endorsement if only part of your mobile home’s wall is damaged. 

How Are Mobile Home Insurance Rates Determined?

Many factors will affect your mobile home insurance rate. Underwriters take into account different considerations, such as your physical structure—its size, value, and age—and whether the area you live in has certain risks, such as severe weather. 

Insurers will also determine the price based on the deductible, limits, and coverage options you choose. 

As different mobile home insurance companies use different methods to calculate your rate, it’s a good idea to shop around to find the most competitive rate.

How Do You Get Mobile Home Insurance?

When shopping around for mobile home insurance, get quotes for different types of coverage, including any additional riders. That way you can see what you’re covered for and compare the best pricing options.

When comparing policies, make sure to look at the basis of any claims settlement, such as named or open perils and whether it’s actual cash value or replacement cost. In other words, some companies will only cover on an actual cash value basis for partial losses or only on a replacement cost basis for major damages or total losses. Some insurers also offer the choice to upgrade to replacement cost for your entire policy for an additional cost. 

Just because you find a quote that’s the lowest price doesn’t mean that you should go with that policy. It’s important to determine what specifics you need—think deductibles, flood coverage, or any additional riders—then compare to see what will offer you the best protection.

Article Sources
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