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State Farm Mobile Home Insurance Review (2022)

State Farm is the largest home insurance provider in the country and offers extensive mobile home insurance coverage.

Mobile Home iStock

Purchasing a home insurance policy for your mobile home is critical if you want to protect your investment. Mobile homes are at higher risk for wind damage, as well as theft and vandalism, than traditional homes. A solid mobile homeowners insurance policy can protect your asset and your wallet.

Unfortunately, choosing the right mobile home insurance company can be challenging. Providers can differ in terms of coverage, availability, quality of customer service, and much more. The This Old House Reviews Team has created this in-depth State Farm mobile home insurance review to help you determine if this company is the best fit for your needs.

Table of Contents

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

Our Take

State Farm is the largest homeowners insurance company in the country, with robust coverage for both traditional homes and mobile homes. However, very little information about State Farm’s mobile home insurance is available online, as the website does not outline basic details. You have to reach a local agent, and whether or not you will even qualify depends on a long set of requirements.

Although State Farm offers comprehensive coverage and endorsements, the process of getting a quote can be time-consuming. We give State Farm an overall score of 96.60 for home insurance.

On State Farm’s Better Business Bureau profile, common complaints refer to billing issues. Reviews range from noting issues with customer service to praising professionalism and efficiency.

Pros & Cons

Compare the advantages and disadvantages of State Farm mobile home insurance.

State Farm Pros & Cons

Pros Cons
Pros Cons
Comprehensive coverage No online quote tool
Several endorsements Only available to mobile homes that fit a key set of criteria
No details on website


Your local agent will need a lot of information before they can prepare your quote, including:

  • Whether your mobile home is tied down
  • Its serial number
  • Manufacturer
  • Model and name
  • Length and width
  • Prior coverage details
  • If it’s fully enclosed
  • Whether it’s on concrete or an improved pad
  • If there is a fireplace
  • If you have protective devices
  • The type of roof
  • If it is on blocks
  • The distance to the nearest fire department and nearest fire hydrant

Once you have shared that information over the phone, your local agent can begin your quote. State Farm offers all of the basic forms of industry-standard mobile home insurance coverage.

State Farm Coverage

Type Description
Type Description
Dwelling + dwelling extension Covers your home’s structure (both interior and exterior), plus detached structures like garages or sheds
Personal property Covers personal property inside and outside the home in case of covered loss, including clothes, furniture, and electronics
Loss of use/Additional living expenses Covers the costs associated with living outside of your home if it is temporarily uninhabitable due to covered damage or destruction
Personal liability Covers 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 of a guest who is injured at your home, regardless of fault

State Farm offers several endorsements to help you round out your coverage.

State Farm Endorsements

Type Description
Type Description
Water drainage/sewer Covers damage caused by water backup from drains or a sewer
Earthquake endorsement Covers damage caused by earthquakes
Flood endorsement Covers damage caused by flood, written through FEMA
Valuables Additional coverage for valuable items like jewelry, furs, and watches
Credit card and debt forgery Covers costs associated with identity theft involving credit card and debt forgery


State Farm mobile home insurance is available in all 50 states.

How Much Does State Farm Mobile Home Insurance Cost?

The exact cost of State Farm mobile homeowners insurance depends on a variety of factors, including your property value, size, its materials, where you live, the coverage limits you select, the insurance deductible you choose, and more. In general, mobile home insurance costs more than insurance for traditional homes, due to increased risk of wind damage, vandalism, and theft.


State Farm offers several different discounts to help lower the cost of your home insurance coverage.

State Farm Discounts

Type Description
Type Description
Protective devices Discount for deadbolts, fire extinguishers, smoke detectors, and burglar alarms
Multi-policy Discount for bundling State Farm insurance policies
55 and up Discount if you are bundling with a State Farm auto insurance policy and are 55 or older

Reviews of State Farm Insurance

State Farm is not accredited by the Better Business Bureau and holds an A rating from the organization. See what some customers had to say about their experience with State Farm.

Nic B. said:

“They were absolutely amazing for us. Our car got totaled a couple days before Christmas, so the claim we filed understandably took a few days to get started. But once it was started, it only took them six days to finalize everything and pay it off. Customer service was great and our local agent is amazing. So happy to have State Farm.”

Raven M. said:

“Customer service does not exist with this company. It has taken nearly 30 days to complete a total loss claim when their client was at fault. Within those 30 days, State Farm has lost my vehicle, refused to return calls, promised to show up and the representative delivering the payment is out of town all of a sudden. Terrible customer service... In a home with not one but two insurance agents, I know this is not how you treat a customer, let alone the one your client hit. I will never give my personal business to this company again.”

State Farm vs The Competition

See how State Farm stacks up against its top competitors on key metrics.

State Farm vs The Competition

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

Once you can find out the details, you see that State Farm offers robust mobile home insurance coverage across 50 states. In its basic policy, it offers more comprehensive coverage than either Geico or Allstate. Unfortunately, the information can be difficult to track down, and only certain homes will qualify. Overall, we give State Farm a score of 96.60 out of 100 for mobile home insurance.

To ensure you find the right provider for your needs, we recommend getting quotes from multiple home insurance companies that serve your area. You can do so by calling 855-948-5219 or by entering your zip code below:

Company Information

  • Company name: State Farm
  • Company type: Public
  • CEO: Michael L. Tipsord
  • Year founded: 1922
  • Headquarters: 1 State Farm Plz, Bloomington, IL 61701
  • 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 datapoints 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 State Farm insure mobile homes?

State Farm offers comprehensive mobile home insurance, providing accidental, direct physical loss to your dwelling, and named peril coverage for personal property.

Are mobile homes more expensive to insure?

In general, mobile homes are more expensive to insure because they are at a greater risk of damage from wind, theft, and vandalism. They are also less able to withstand fire and flood.

Can you insure older mobile homes?

This will vary from insurance provider to insurance provider. State Farm does offer coverage for mobile homes that are more than 10 years old.

What kind of insurance do you need for a mobile home?

We recommend getting all of the standard coverage you would get for a traditional home—dwelling and extensions, personal property, personal liability, medical payments to others, and loss of use/additional living expenses.

To share feedback or ask a question about this article, send a note to our Reviews Team at