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AARP Mobile Home Insurance Review 2021

AARP offers extensive mobile home insurance coverage, as well as impressive endorsements, in all states except for Hawaii.

Mobile Home iStock

Finding the right mobile home insurance policy means considering a variety of factors. It’s important to find a provider that offers comprehensive coverage, but you also want to keep cost in mind.

AARP insurance can safeguard your mobile home in the event of disaster, theft, or injury to guests. With this coverage, you can rest easy at night, knowing that the cost for repairs, reconstruction, or medical and legal expenses aren’t coming straight out of your pocket.

The best mobile home insurance company for you will offer all basic coverage, attractive optional add-ons, availability in your area, and more. The This Old House Reviews Team has created this in-depth AARP mobile home insurance review to help you determine if this company is the best fit for your needs.

Our Take

AARP offers robust mobile home insurance through Foremost Insurance Group. All of the industry-standard coverage is available, in addition to protections that are often handled as endorsements by other companies, like debris removal and fire department services.

Because AARP mobile home insurance is offered through Foremost, AARP does not handle claims in-house. Some customers prefer not to work with a middleman and instead go directly to the source. We give AARP home insurance a score of 92.12 out of 100 based on this and key metrics like coverage, availability, customer service, and more.

On AARP’s Better Business Bureau profile, common complaints cite difficulty getting in touch with customer service. Other reviews note both informative brochures and good discounts.

Pros & Cons

Compare the advantages and disadvantages of AARP mobile home insurance.

AARP Mobile Home Insurance Pros & Cons

Pros Cons
Pros Cons
Available in 49 states (all except HI) Doesn’t underwrite its own policies
Comprehensive coverage Coverage may vary by state
Many endorsements

Coverage

AARP mobile home insurance coverage is available for mobile homes, manufactured homes, park models, and rental and vacant mobile homes. Homes can be either older or brand new, single-wide or multi-sectional, on private property, or in a community.

The basic coverage package includes all the typical industry-standard home insurance you would expect—plus many “perks.”

AARP Mobile Home Insurance Coverage

Type Description
Type Description
Dwelling + other structures Covers cost to repair or rebuild damage to the dwelling and detached structures in the event of a covered loss
Personal property Covers personal property in your home in case of covered loss, including furniture, clothes, appliances, and electronics
Loss of use/additional living expenses Covers cost to live outside your home when it is temporarily uninhabitable due to a covered loss
Liability Covers legal fees in the event you are sued for injury or personal property damage to a guest on your property
Medical payments to others Covers medical expenses associated with someone getting injured on your property, regardless of fault

The following protections are included in the basic coverage package.

  • Tree removal
  • Debris removal
  • Emergency removal service
  • Emergency repair after a oss
  • Credit card and check forgery
  • Fire department service
  • Food spoilage coverage
  • Personal injury protection coverage
  • Locksmith coverage
  • Golf cart coverage

There are several endorsements to help you customize your coverage.

AARP Mobile Home Insurance Endorsements

Type Description
Type Description
Water backup Covers damage due to water backing up
Agreed Loss Settlement Provides the full amount of insurance for your home, less any applicable deductible, in the event of destruction due to covered loss
Replacement cost coverage Covers cost to replace damaged items without any depreciation
Lifetime Continuation If you meet the guidelines listed in your policy, you can renew your policy every year for as long as you want
Earthquake Covers damages from earthquake
Trip coverage Provides coverage when your home is being moved

Availability

AARP mobile home insurance is available in all states except for Hawaii.

How Much Does AARP Mobile Home Insurance Cost?

In general, it costs more to insure mobile homes than traditional residences because of the higher risk associated with ownership. The risk of wind and fire damage is greater, and there is increased risk of theft claims.

Foremost offers a built-in discount to AARP members. It will be reflected in your quote.

Reviews of AARP

AARP is not accredited by the Better Business Bureau but holds an A+ rating from the organization. See what customers had to say about their experience with AARP.

Deborah L. said:

“I have nothing but wonderful things to say about AARP. Every experience I have had with them has been outstanding.”

L. H. said:

“AARP harasses members with multiple mailings seven months before they are due, confusing senior citizens and I am sure raking in thousands of extra dollars.”

Our Conclusion

Through Foremost, AARP offers incredibly robust mobile home insurance. The company’s basic policy includes all industry-standard coverage, in addition to protections that many other companies would offer as add-on perks, like debris removal and locksmith coverage.

However, AARP does not handle mobile home insurance directly, and it acts as a middleman. This can add an extra layer of complexity to customer service quality as well as claims filing and tracking. For these reasons, and based on metrics like coverage and availability, we give AARP a score of 92.12 out of 100.

Company Information

  • Company name: AARP
  • Company type: Public
  • CEO: Jo Ann Jenkins
  • Year founded: 1958
  • Headquarters: AARP, 601 E. St, NW Washington, DC 20049
  • State availability: 49
  • BBB rating: A+

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

Does AARP offer mobile home insurance?

Yes, AARP offers comprehensive mobile home insurance through Foremost Insurance Group. All industry-standard coverage is available through the basic package, including covered “perks” like debris removal and locksmith coverage.

Are manufactured homes more expensive to insure?

Yes, manufactured homes cost more to insure due to the higher risk of wind damage, fire damage, and theft, compared to traditional homes.

What does AARP mobile home insurance cover?

AARP mobile home insurance covers the basics—dwelling and other structures, liability, personal property, loss of use/additional living expenses, and medical payments to others. A long list of perks, which other companies would consider endorsements, are also included, like fire department service and tree removal.

Does AARP offer home insurance for mobile homes on private property?

AARP offers mobile home insurance for mobile homes on private property and in communities.

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