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Best Mobile Home Warranty Protection Plans

If you live in a manufactured home and need coverage for your systems and appliances, a mobile home warranty can help protect your items and save you money if they break down. Read on for our recommendations of the top mobile home warranty providers.

Manufactured Home iStock

If you live in a mobile or manufactured home, a mobile home warranty can help cover home systems and appliances, like your dishwasher, electrical, or plumbing, if they break down unexpectedly. Not to mention, this type of home appliance insurance can save you money on expensive repairs and replacements.

Because there are a variety of home warranty companies on the market, the This Old House Reviews Team compared different providers and did the research for you. Below, we’ll discuss what a mobile home warranty is, what’s covered under a manufactured home warranty, how much one costs, and our recommendations for the best home warranty providers in the industry.

What Is a Mobile Home Warranty?

A mobile home warranty, also known as a manufactured home warranty, is an annual service agreement between a homeowner and home warranty company that protects your home systems and appliances if they break down from normal wear and tear. It covers home repairs and replacement costs, as outlined in your contract.

What Does a Mobile Home Warranty Cover?

A mobile home warranty covers major systems and appliances like your air conditioner, electrical system, and refrigerator. Here are some other common items you can expect to be included in your mobile home warranty coverage.

Commonly Covered Items

Systems Appliances
Systems Appliances
Air conditioning Refrigerator
Heating Dishwasher
Electrical Built-in microwave
Ductwork Oven
Plumbing Stove
Water heater Range
Garbage disposal Clothes washer
Instant water dispenser Clothes dryer
Central vacuum Freestanding ice maker
Smoke detectors Built-in food center
Ceiling fans Garage door opener

In addition to these covered items, a home warranty company may provide optional coverage for the following add-ons:

  • Pool
  • Spa
  • Roof leaks
  • Well pump
  • Septic pump
  • Additional refrigerator
  • Standalone freezer

Types of Mobile Home Warranty Plans

There are three major types of home warranty plans: appliance plans, systems plans, and combination plans. Appliance plans specifically cover home appliances like washers and dryers, while systems plans only cover systems, like your electrical or plumbing. A combo plan provides coverage for both systems and appliances.

Some home warranty companies, like Choice Home Warranty and The Home Service Club, may also provide coverage in the form of basic plans and comprehensive plans. Both types of plans will include coverage for systems and appliances, but the comprehensive plan will typically cover more items and include protection for add-ons.

How Much Does a Mobile Home Warranty Cost?

A mobile home warranty costs between $25–$50 a month. Basic home warranties will fall on the lower end of the spectrum, while comprehensive coverage will cost around $50. You may be able to get a cheaper home warranty by choosing an appliance-only or systems-only plan or by customizing your own coverage and only paying for protection on items that need it most.

American Home Shield has three plans with generous coverage caps and gives customers the ability to choose their own service fee.

If you’re on a budget, we recommend going with a home warranty company like Select Home Warranty, as they have some of the lowest premiums in the industry and have a low deductible of $75.

In addition to a monthly premium, home warranty companies will charge a service fee of $75–$125 per claim. Companies like American Home Shield or America’s First Choice Home Club will let you choose your own service fee, while others like Select have a set service call fee.

Related: American Home Shield reviews

Benefits of a Mobile Home Warranty

Not only can a mobile home warranty save you money when an important home item unexpectedly fails, it can provide you with the following benefits:

  • Quick access to local professionals—Instead of calling around to find a trusted service technician in your area all on your own, most home warranty companies will send a professional contractor from their network to address repairs or replacements.
  • Additional security—If a major system or appliance like your refrigerator or air conditioning break, it can be really stressful. If your air conditioner fails in the dead of summer, a home warranty can provide peace of mind and ensure that it will be fixed within a few days.
  • Increased resale value for your mobile home—If you ever choose to sell your mobile home, having a home warranty can be enticing for potential home buyers and provide a safety net on all systems and appliances for their first year of homeownership.

Best Mobile Home Warranty Companies

Below are our picks for the best mobile home warranty companies in the industry.

Compare Mobile Home Warranty Companies

Providers American Home Shield Choice Home Warranty Select Home Warranty
Providers American Home Shield Choice Home Warranty Select Home Warranty
Get a free quote Visit site Visit site Visit site
Plan options 3 + optional add-ons 2 + optional add-ons 3 + optional add-ons
Monthly premiums $40–58 $36–$44 $36–$38
Service call fees $75–$125 $60–$85 $75
Additional savings Customers can receive discounts on name brand appliances Get one extra month of coverage free when you sign up today Get two extra months of coverage free when you sign up today

Our Conclusion

We recommend any of the three providers above and believe they are some of the best mobile home warranties available. Because pricing can depend on where you live and the type of plan you choose, we encourage you to get quotes from all three providers. This way, you can compare coverage options and pricing, and ask your favorite company to price match the lowest offer.

Frequently Asked Questions about Mobile Home Warranties

Do home warranties cover pre-existing conditions?

Most home warranty companies don’t cover pre-existing conditions, however, there are some companies like First American Home Warranty that cover items that have been improperly installed, modified, or maintained.

Can you get a home warranty without an inspection?

Yes, most home warranty companies don’t require a home inspection before you sign up for coverage and protection will begin 30 days after signing a contract. However, we recommend getting an inspection before your coverage kicks in so you’re familiar with the condition of your systems and appliances and aren’t surprised by any coverage exclusions.

What’s the difference between a home warranty and homeowners insurance?

A home warranty is an optional service contract that covers systems and appliances when they break down due to normal wear and tear. Homeowners insurance, on the other hand, is required and protects your home when it’s damaged by natural disasters, fire, or theft.

What’s the difference between a mobile home warranty and a manufactured home warranty?

A home warranty covers items that break down due to normal wear and tear, while a manufactured home warranty covers defects in material or workmanship of manufactured houses, including the structure, air conditioning and heating systems, and major appliances installed by the home builders. Once this manufacturer’s warranty expires, having a home warranty comes in handy if a covered system or appliance malfunctions or breaks down.

How long does a home warranty last?

A home warranty typically lasts for a year, but you may be able to enroll in a multi-year warranty plan when signing up.

Our Home Warranty Review Methodology: How We Chose The Best Home Warranty Companies

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:

  • We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.

With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:

  • Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
  • Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
  • Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
  • Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the BBB.
  • State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
  • Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
  • Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.

In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.