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.
Our Take on Allstate Mobile Home Insurance
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 out of 100.
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 of Allstate Mobile Home Insurance
Compare the advantages and disadvantages of Allstate mobile home insurance.
✔ Many endorsements
✔ Available nationwide
✔ Several discounts available
✘ Lacks loss of use/additional living expenses coverage
Allstate Mobile Home Insurance 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.
| 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 |
Endorsements
There are several endorsements to choose from to help round out your coverage.
| 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.
| 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 |
Customer 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.
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+
Frequently Asked Questions
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.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.