In This Review: Our Take | Pros and Cons | Cost and Discounts | Coverage | State Availability | Customer Reviews | Conclusion | Company Information | FAQ | Methodology

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.

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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 and Cons

Compare the advantages and disadvantages of AARP mobile home insurance.

✔ Available in 49 states (all except HI)
✔ Comprehensive coverage
✔ Many endorsements

✘ Doesn’t underwrite its own policies
✘ Coverage may vary by state

 


 

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.

 


 

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

TypeDescription
Dwelling + other structuresCovers cost to repair or rebuild damage to the dwelling and detached structures in the event of a covered loss
Personal propertyCovers personal property in your home in case of covered loss, including furniture, clothes, appliances, and electronics
Loss of use/additional living expensesCovers cost to live outside your home when it is temporarily uninhabitable due to a covered loss
LiabilityCovers legal fees in the event you are sued for injury or personal property damage to a guest on your property
Medical payments to othersCovers 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.

TypeDescription
Water backupCovers damage due to water backing up
Agreed Loss SettlementProvides the full amount of insurance for your home, less any applicable deductible, in the event of destruction due to covered loss
Replacement cost coverageCovers cost to replace damaged items without any depreciation
Lifetime ContinuationIf you meet the guidelines listed in your policy, you can renew your policy every year for as long as you want
EarthquakeCovers damages from earthquake
Trip coverageProvides coverage when your home is being moved

 


 

State Availability

AARP mobile home insurance is available in all states except for Hawaii. Click on your state below to compare AARP Mobile Home Insurance to the best providers in your area:

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming

 


 

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.

Before making a final decision, we recommend learning about the best mobile home insurance providers in your area and comparing quotes using the tool below:

Compare Homeowners Insurance Policies
Answer a few simple questions and we'll take care of the rest.

 


 

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+

 


 

Frequently Asked Questions

 


 

Our Rating Methodology

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 created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

The This Old House 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.

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