Mobile home insurance offers liability, loss of use, medical payments, dwelling, other structures, and personal property coverage. Because mobile homes are built in a factory and transported to a location, factors like the use of lighter building materials and the damage potential during transportation, play a role in how much a mobile home policy costs.
To find the best mobile home insurance policy, you can’t rely on companies known for their standard homeowners insurance policies—that’s why the This Old House Reviews Team created this guide to help you find the best home insurance provider that has tailored its policy to a mobile homeowner’s experience.
Top 5 Mobile Home Insurance Companies
The highest rated insurance companies for mobile homes include:
- Most Customizable Coverage: Foremost
- Best Discounts: Allstate
- Best Customer Service: American Family
- Easiest Quote: Progressive
- Best for Vacant Homes: American Modern
To determine which providers would best protect a mobile home, we looked at homeowners insurance companies that offer policies tailored to mobile homeowners.
1. Most Customizable Coverage: Foremost
A Foremost manufactured home insurance policy looks similar to a standard homeowners insurance policy with dwelling, other structures, liability, and personal property coverage. It aims to insure mobile or manufactured homes, offering replacement cost options, customizable limits, and an extensive list of add-ons.
Pros & Cons of Foremost
|✔ Available in 49 states, excluding Hawaii||✘ Only provider in this review without 24/7 customer service for all insurance questions|
|✔ Claims center is open 24/7||✘ Offers fewer mobile home discounts than Allstate and American Family|
|✔ Has over 90 years in the home insurance business||–|
Why We Chose Foremost
Foremost understands that a mobile home isn’t like a stick-built home, so the company offers more than 15 endorsements to ensure that your policy matches the unique needs of your home. We were impressed with the company’s emphasis on customization and recommend it to anyone looking to fine-tune their policy and purchase as much coverage as necessary at a reasonable cost.
For ultimate customization, here’s a list of Foremost add-ons:
- Additional living expenses
- Trees, shrubs, plants, and lawns
- Debris removal
- Emergency removal service and emergency repair
- Credit card and check forgery
- Fire department service
- Food spoilage coverage
- Hobby farm or ranch liability
- Identity fraud expense and management
- Incidental business liability
- Personal injury
- Water damage from sewers and drains
- Earthquake coverage
- Trip coverage when moving your home
- Personal liability coverage on additional residences
- Scheduled personal property coverage
- Replacement cost coverage
2. Allstate: Best Discounts
Allstate makes a mobile home policy affordable by offering nine discounts. Some of the unique discounts include ones for being a new homebuyer, being retired, and signing up for a policy before your previous one expires. Get your free Allstate quote here.
Pros & Cons of Allstate
|✔ Available in all 50 states||✘ Customers must talk to an insurance agent to get a quote in certain states|
|✔ Bundling home and auto insurance policies could save you up to 25% on your premium||✘ Liability coverage cap is lower than other providers at $500,000|
|✔ Provides add-ons for valuable items, like sports equipment and musical instruments||–|
Why We Chose Allstate
We recommend Allstate to people looking to lower their premiums through a handful of available discount opportunities. Here are a few discounts you may qualify for when you receive your quote:
- Original owner: You can save up to 5% on your policy if you’re the original titleholder of your mobile home.
- Multi-policy: This discount is for bundling your mobile home insurance with car insurance or another Allstate insurance product.
- 55 and retired: This discount saves mobile homeowners who are over 55 and retired up to 10% off on their policy.
- Protective device: Customers can save up to 15% on their policy if they have home protection systems, such as monitored fire alarms or home security systems.
- Easy pay plan: This discount saves you up to 5% on your policy when you sign up for automatic payments.
Like Foremost, you can customize your policy with these optional add-ons:
- Identity theft restoration
- Water backup
- Scheduled personal property
- Business property
- Sports equipment
- Green improvement reimbursement
- Yard and garden
- Electronic data recovery
- Musical instruments
3. American Family: Best Customer Service
American Family (also known as AmFam) is an insurance company that serves owners of mobile or manufactured homes and provides comprehensive coverage and customizable limits. While American Family only services 19 states, it offers a more personalized customer service experience for customers. Get your free American Family quote here.
Pros & Cons of American Family
|✔ Offers an endorsement that protects your mobile home during transportation||✘ Only available in 19 states|
|✔ Provides eight discounts to customers||✘ Has fewer endorsements than Foremost and Allstate|
|✔ Has a tool to help you quickly calculate how much dwelling coverage to purchase||–|
Why We Chose American Family
We were particularly impressed with American Family’s customer service availability. Policyholders have access to customer service representatives 24/7 for any insurance questions and can connect with local agents in their area. Additionally, those who prefer self-service can use the customer portal or the MyAmFam mobile app for policy management, bill paying, or claims support.
Here’s a list of the endorsements you can add onto your mobile home policy from American Family:
- Hidden water damage
- Matching siding
- Trip collision
- Other structures
4. Easiest Quote: Progressive
Progressive is another top home insurance company, providing insurance products for cars, houses, rentals, and mobile homes. Rather than selling its own policies to owners of mobile or manufactured homes, Progressive brokers underwritten insurance policies from Assurant. Despite this, we found Progressive to be an excellent choice for customers, offering an easy sign-up and online quoting process and bundling discounts. Get your easy Progressive mobile home insurance quote here.
Pros & Cons of Progressive
|✔ Has a helpful mobile app for policy management||✘ Its policies have separate deductibles for claims related to different perils|
|✔ Offers a replacement cost option||✘ Uses underwritten policies from Assurant|
|✔ Provides multiple payment plans to customers||✘ Discounts and add-ons can vary by state|
Why We Chose Progressive
Compared with other providers, Progressive makes it easy to get a quote online, which is a huge benefit if you want to compare prices before purchasing a policy. Simply click through Progressive’s easy online quote tool, answer a few questions about your location and property details, customize your coverage limits, and purchase a policy within minutes.
Depending on your location, here are some examples of endorsements or add-ons you can purchase with your Progressive mobile home insurance policy:
- Replacement cost coverage
- Single deductible benefit when bundled with Progressive auto insurance
- Trip collision insurance for moving your home
- Flood insurance policies
5. Best for Vacant Homes: American Modern
American Modern is an insurance company that has served homeowners across the country since 1949. It’s committed to offering the best mobile home insurance in the industry with comprehensive coverage for both vacant and occupied properties, as well as a few unique add-ons to help maximize your coverage.
Pros & Cons of American Modern
|✔ Covers loss or damage due to vandalism||✘ Has limited customer service with no weekend availability|
|✔ Offers flexible payment options and an automatic payment system||✘ Only offers discounts for saving 5% or less on premiums|
|✔ Has an online claims filing form||✘ Not rated by the Better Business Bureau (BBB)|
Why We Chose American Modern
American Modern includes flexible coverage for mobile or manufactured homes that aren’t a full-time residence for the owners. We recommend this provider to anyone who rents out their mobile home, uses it as a seasonal vacation property, leaves it vacant, or is a current tenant. An American Modern insurance agent can help you figure out what coverage fits your specific situation.
In addition to your standard policy, you can purchase these optional endorsements to customize your coverage:
- Enhanced coverage package for increased coverage limits
- Builder’s risk coverage for the time between loan closing and occupancy
- Breakdown protection for appliance repair or replacement
- Earthquake coverage
- Identity theft recovery
If you’re not sure which mobile home insurance policy is best for you, compare the providers below.
Compare Mobile Home Insurance Companies
|Metric||Foremost||Allstate||American Family||Progressive||American Modern|
|Metric||Foremost||Allstate||American Family||Progressive||American Modern|
|Discounts Available||5 discounts||9 discounts||8 discounts||4 discounts||6 discounts|
|Unique Add-Ons||Trip, fire department service, food spoilage||Musical instruments, yard, and garden||Trip collision, matching siding||Replacement cost, trip collision||Identity theft, breakdown protection|
|Customer Service||24/7 for claims; limited for sales and service||24/7||24/7||24/7 for claims, limited for sales and service||Limited hours for claims, customer support, and sales|
|AM Best Rating||A (excellent)||A+ (superior)||A (excellent)||A+ (superior)||A+ (superior)|
What’s Covered With Mobile Home Insurance?
Mobile home insurance is an HO-7 policy, which is a named-peril policy that only protects you from the events listed as covered.
Commonly covered events include:
- Fire and lightning
- Windstorms and hail
- Theft and vandalism
- Riots and commotions
Similar to regular home insurance, you can expect six types of coverage in your mobile home insurance policy. These areas will either be in your base policy or available as an endorsement:
- Dwelling Coverage: This type of protection covers the cost of rebuilding your mobile home as if it were new. Most insurance companies will give you an estimate when you answer questions about your home, but to get the most accurate rebuilding cost, talk to a local appraiser.
- Coverage for Other Structures: This covers detached structures on your property, like a shed or fence.
- Personal Property Coverage: If an event destroys your personal belongings, your insurance provider will cover the cost of replacing them. Most mobile home insurance policies will be actual cash value (ACV), which means you’ll receive enough money to replace the items based on their depreciated value. You can usually buy an endorsement for replacement cost coverage, which replaces your items with new ones.
- Coverage for Additional Living Expenses: If your home becomes temporarily inhabitable due to repairs, your policy covers living expenses, like the cost of a hotel room or meals.
- Liability Coverage: If you cause bodily injury or property damage to someone or their belongings, your policy will cover the medical bills or replacement costs. It will also cover legal fees if you’re sued.
- Coverage for Medical Payments to Others: If a guest is injured in your home, your insurance company will cover a certain amount of their medical bills.
How Much Does a Mobile Home Insurance Policy Cost?
According to Trusted Choice, a group of independent insurance agents, a mobile home insurance policy costs between $300 to $1,000 per year.
Here are a few factors that may affect that price:
- The Year it was Built: Mobile homes built before 1976 didn’t have building standards, so insurance companies consider them riskier to insure.
- The Size of The Mobile Home: The larger your mobile home, the higher your premium will be.
- Claims History: If you have a history of filing a lot of claims for your mobile home, your premium will increase.
- Susceptibility to Natural Disasters: Since mobile homes are more susceptible to damage from extreme weather, you’ll pay more if you live in an area that’s prone to natural disasters.
Factors to Consider Before Buying Mobile Home Insurance
Use these factors to help you in your search for a mobile home insurance policy:
- Budget: Determining how much you can afford to spend each month on a policy will limit what companies you can buy from and what types of endorsements you can add onto a base policy.
- Travel Protection: If you want protection for your mobile home during transit, you can usually purchase travel protection. Both Foremost and American Family offer endorsements for this type of coverage.
- Lender Requirements: If you received a loan from a bank to purchase your home, they may have home insurance requirements. Touch base with your lender before buying a policy to ensure you meet their requirements.
- Safety Features: Mobile homes are more prone to extreme weather, theft, and fire. To minimize the amount of damage an event could cause, and to lower your premium, consider investing in safety features like smoke detectors, home security systems, and fire extinguishers.
Frequently Asked Questions
Can you insure an older mobile home?
Yes. You can insure a mobile home regardless of its age. However, mobile homes built before 1976 don’t have building standards, so the home may have been poorly constructed with materials that make it more susceptible to damage. Insurance companies consider these homes risky to insure and will either deny you coverage or charge you more for a policy.
What’s the difference between mobile home insurance and modular home insurance?
Mobile home insurance covers homes that were built off-site and transferred to the landing site, whereas modular home insurance covers modular homes that are constructed on-site onto a foundation like a traditional home.
Is mobile home insurance required?
Mobile home coverage is not required by law, however, the lending institution you got a loan from to purchase the mobile home and the mobile home park where you live may require home insurance.
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