Best Mobile Home Insurance Companies

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.

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.

Founded in 1937, Progressive is one of the largest insurance companies in the country. Its 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.

Founded in 1931 and based in Northbrook, Ill., Allstate is one of the country’s largest insurance companies. It 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 that apply to 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.

Read the full review: Allstate Homeowners Insurance

Founded in 1927, American Family Insurance is also known as AmFam. It offers standard coverage for 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.

Founded in 1949, American Modern claims that it’s one of the first companies to specialize in mobile home insurance. Its 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 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.