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Allstate Mobile Home Insurance Review 2021

Allstate offers solid mobile home insurance along with a variety of add-on options, but it lacks some basics.

Dining Room, Kitchen iStock

If you own a mobile home, you should consider purchasing mobile home insurance. It works the same as homeowners insurance for traditional residences, protecting your asset from certain perils and burglary. With a mobile home insurance policy, you can rest easy at night without worrying about paying for repair and reconstruction services out of pocket.

Because different mobile home insurance providers often offer different types of coverage at different prices, it is important that you do your research on the companies. To help you with the process, The This Old House Reviews Team has done some of the work for you, creating this in-depth Allstate mobile home insurance review.

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does Allstate Mobile Home Insurance Cost?
  • Reviews of Allstate Insurance
  • Allstate vs The Competition
  • Our Conclusion
  • Company Information
  • Our Methodology
  • Frequently Asked Questions

Our Take

Allstate mobile home insurance is not as robust as some of its competitors’ offerings. While it is not as sparse as Geico, it offers less than AARP, as it fails to include loss of use/additional living expenses coverage. However, the same endorsements are available for mobile home insurance as traditional homeowners insurance, which is quite a robust list. That, coupled with its 24/7 customer service via phone and nationwide availability, earns Allstate a score of 98.10.

In its Better Business Bureau profile, Allstate’s negative reviews often cite denied claims. Some of the more positive reviews praise thorough adjusters.

Pros & Cons

Compare the advantages and disadvantages of Allstate mobile home insurance.

Allstate Mobile Home Insurance Pros & Cons

Pros Cons
Pros Cons
Many endorsements Lacks loss of use/additional living expenses coverage
Available nationwide
Several discounts available

Coverage

Allstate mobile home insurance offers five of the six basic forms of traditional homeowners insurance coverage—all except for loss of use/additional living expenses. That coverage type provides funds for things like accommodations and dining when your home is temporarily uninhabitable due to a covered loss.

Allstate Mobile Home Insurance Coverage

Type Description
Type Description
Dwelling Covers the cost of repairing or rebuilding your mobile home’s exterior and interior structure in the event of a covered loss
Other structures Covers the cost of repairing or rebuilding detached structures like a shed or garage in the case of a covered loss
Personal property Covers the cost of repairing or replacing personal property in case of a covered loss, including electronics, furniture, appliances, and clothes
Personal liability Covers any legal fees if you are sued for injury or personal property damage to a guest on your property
Medical payments coverage Covers the medical expenses if a guest is injured on your property

There are several endorsements to choose from to help round out your coverage.

Endorsements

Type Description
Type Description
Identity theft Covers the cost of lost wages, legal fees, and other costs associated with stolen identity
Scheduled personal property Covers valuable items like antiques or engagement rings that have been appraised
Business property Raises limits for business-related items, like inventory, stored in the home
Water backup Covers damage caused by water backing up in your drain or sump pump failure
Green improvement reimbursement Covers added cost of replacing destroyed or damaged covered items with more energy-efficient items
Sports equipment Raises coverage for sports gear like ski equipment and golf clubs
Yard and garden Raises limits for items like riding lawn mowers, landscaping, and trees
Musical instruments Raises limits for items like violins, guitars, and other musical instruments
Electronic data recovery Covers the cost of recovering computer data, like videos or photos

Availability

Allstate mobile home insurance is available nationwide.

How Much Does Allstate Mobile Home Insurance Cost?

The exact cost of Allstate mobile home insurance may vary depending on a variety of factors, including your property value, size, where you live, the coverage limits you select, the insurance deductible you choose, and more. In general, mobile home insurance costs more than traditional homeowners insurance due to the greater risk of fire, wind damage, and vandalism.

Discounts

Allstate offers several discounts to help lower the amount you pay for mobile home insurance.

Allstate Discounts

Type Description
Type Description
Multi-policy Discount for bundling multiple Allstate policies
Original owner Discount if you are the original titleholder
Protective device Discount for installed protective devices, like home security systems
55 and retired Discount for being 55 or older and retired

Reviews of Allstate Insurance

Allstate is not accredited by the Better Business Bureau, but the company holds an A+ rating from the organization. See what some real customers had to say about their experience with Allstate. Note, the Better Business Bureau does not sort comments based on type of insurance, and specific mobile home insurance reviews were not available.

Christina M. said:

“Been with this company over 13 years. They have always been extremely helpful!!! Car wreck, no problems, taken care of so very well. Tree on house. He was right there offering to put up tarps while it was still raining. Would recommend him to everyone! Excellent service from his reps as well. Every call to the office—quick response and great service.”

Megan said:

“We filed a claim after a reputable roofing company inspected our roof and found heavy wind damage after we had damage to two rooms in our home, and believed, because our roof was 15 years old, that it needed to be completely replaced. Allstate thought differently and won’t even pay for the repairs to the inside of our home, although one of the two rooms had significant damage to the ceiling. Have done business with them for well over a decade, but will be taking our business somewhere else! Very disappointed in Allstate throughout this entire process! Don’t recommend AT ALL!!”

Allstate vs The Competition

See how Allstate stacks up to its top competitors on key metrics.

Comparison

Provider State Farm Geico Allstate
Provider State Farm Geico Allstate
24/7 Customer Service
Online Quote X X X
Additional Living Expenses X X
State Availability 50 47 50
Multi-Policy Discount

Our Conclusion

Allstate offers robust mobile home insurance. Although it does not include loss of use/additional living expenses coverage in its basic policy, it offers more coverage than some competitors, like Geico. In addition, the company provides an extensive list of endorsements and several discounts. For these reasons and more, we give Allstate a score of 98.10 out of 100.

When evaluating mobile home insurance providers, we always recommend getting quotes from multiple companies in your area. You can do so by calling 855-948-5219 or entering your zip code into the tool below:

Company Information

  • Company name: Allstate
  • Company type: Public
  • CEO: Thomas J. Wilson
  • Year founded: 1931
  • Headquarters: 775 Sanders Rd, Northbrook, IL 60062
  • State availability: 50
  • 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 Allstate offer mobile home insurance?

Yes, Allstate offers five basic mobile home insurance coverages—dwelling, other structures, personal property, liability, and medical payments to others.

Who has the best mobile home insurance?

The This Old House Reviews Team believes the following companies offer the best mobile home insurance: Foremost (through AARP), Allstate, and American Family Insurance.

Does mobile home insurance cover leaks?

It depends on the situation. Insurance might help pay for repairs if a frozen pipe bursts unexpectedly, but if a pipe breaks due to lack of maintenance, your insurance company most likely will not help with costs.

Does Allstate mobile home insurance protect additional structures?

Yes, coverage for additional, detached structures—like a garage or shed—is included.

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