Mobile home insurance offers liability, loss of use, medical payments, dwelling, other structures, and personal property coverage. Because mobile homes are built in a factory and transported to a location, factors like the use of lighter building materials and the damage potential during transportation, play a role in how much a mobile home policy costs.
The This Old House Reviews Team created this guide to help you find the best home insurance provider that has tailored its policy to a mobile homeowner’s experience.
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5 Best Mobile Home Insurance Companies
Here are the highest rated insurance companies for manufactured home insurance:
Allstate: Best Coverage Options
Allstate makes a mobile home policy affordable by offering nine discounts. Some of the unique discounts include ones for being a new homebuyer, being retired, and signing up for a policy before your previous one expires.
Pros and Cons of Allstate Mobile Home Insurance
✔ Available in all 50 states
✔ Provides add-ons for valuable items, like sports equipment and musical instruments
✔ Bundling home and auto insurance policies could save you up to 25% on your premium
✘ Liability coverage cap is lower than other providers at $500,000
✘ Customers must talk to an insurance agent to get a quote in certain states
Allstate optional add-ons:
- Identity theft restoration
- Water backup
- Scheduled personal property
- Business property
- Sports equipment
- Green improvement reimbursement
- Yard and garden
- Electronic data recovery
- Musical instruments
Why We Chose Allstate
We recommend Allstate to people looking to lower their premiums through a handful of available discount opportunities. Here are a few discounts you may qualify for when you receive your quote:
- Original owner: You can save up to 5% on your policy if you’re the original titleholder of your mobile home.
- Multi-policy: This discount is for bundling your mobile home insurance with car insurance or another Allstate insurance product.
- 55 and retired: This discount saves mobile homeowners who are over 55 and retired up to 10% off on their policy.
- Protective device: Customers can save up to 15% on their policy if they have home protection systems, such as monitored fire alarms or home security systems.
- Easy pay plan: This discount saves you up to 5% on your policy when you sign up for automatic payments.
Get My Quote: Allstate quote
Learn More: Allstate Mobile Home Insurance Review
*A.M. Best ratings accurate as of August 2022
Progressive: Best Online Quote Tool
Progressive is another top home insurance company, providing insurance products for cars, houses, rentals, and mobile homes. Rather than selling its own policies to owners of mobile or manufactured homes, Progressive brokers underwritten insurance policies from Assurant. Despite this, we found Progressive to be an excellent choice for customers, offering an easy sign-up and online quoting process and bundling discounts.
Pros and Cons of Progressive Mobile Home Insurance
✔ Offers a replacement cost option
✔ Provides multiple payment plans to customers
✔ Has a helpful mobile app for policy management
✘ Discounts and add-ons can vary by state
✘ Uses underwritten policies from Assurant
✘ Its policies have separate deductibles for claims related to different perils
Endorsements and Add-Ons
Depending on your location, here are some examples of endorsements or add-ons you can purchase with your Progressive mobile home insurance policy:
- Replacement cost coverage
- Single deductible benefit when bundled with Progressive auto insurance
- Trip collision insurance for moving your home
- Flood insurance policies
Why We Chose Progressive
Compared with other providers, Progressive makes it easy to get a quote online, which is a huge benefit if you want to compare prices before purchasing a policy. Simply click through Progressive’s easy online quote tool, answer a few questions about your location and property details, customize your coverage limits, and purchase a policy within minutes.
Get My Quote: Progressive mobile home insurance quote
Learn More: Progressive Home Insurance Review
American Family: Most Comprehensive Coverage
American Family (also known as AmFam) is an insurance company that serves owners of mobile or manufactured homes and provides comprehensive coverage and customizable limits. While American Family only services 19 states, it offers a more personalized customer service experience for customers.
Pros and Cons of American Family Mobile Home Insurance
✔ Provides eight discounts to customers
✔ Offers an endorsement that protects your mobile home during transportation
✔ Has a tool to help you quickly calculate how much dwelling coverage to purchase
✘ Only available in 19 states
✘ Has fewer endorsements than Foremost and Allstate
American Family add-ons:
- Hidden water damage
- Matching siding
- Trip collision
- Other structures
Why We Chose American Family
We were particularly impressed with American Family’s customer service availability. Policyholders have access to customer service representatives 24/7 for any insurance questions and can connect with local agents in their area. Additionally, those who prefer self-service can use the customer portal or the MyAmFam mobile app for policy management, bill paying, or claims support.
Get My Quote: American Family Mobile Home Insurance quote
Foremost: Most Customizable Coverage
A Foremost manufactured home insurance policy looks similar to a standard homeowners insurance policy with dwelling, other structures, liability, and personal property coverage. It aims to insure mobile or manufactured homes, offering replacement cost options, customizable limits, and an extensive list of add-ons.
Pros and Cons of Foremost Mobile Home Insurance
✔ Claims center is open 24/7
✔ Available in 49 states, excluding Hawaii
✔ Has over 90 years in the home insurance business
✘ Offers fewer mobile home discounts than Allstate and American Family
✘ Only provider in this review without 24/7 customer service for all insurance questions
- Additional living expenses
- Trees, shrubs, plants, and lawns
- Debris removal
- Emergency removal service and emergency repair
- Credit card and check forgery
- Fire department service
- Food spoilage coverage
- Hobby farm or ranch liability
- Identity fraud expense and management
- Incidental business liability
- Personal injury
- Water damage from sewers and drains
- Earthquake coverage
- Trip coverage when moving your home
- Personal liability coverage on additional residences
- Scheduled personal property coverage
- Replacement cost coverage
Why We Chose Foremost
Foremost understands that a mobile home isn’t like a stick-built home, so the company offers more than 15 endorsements to ensure that your policy matches the unique needs of your home. We were impressed with the company’s emphasis on customization and recommend it to anyone looking to fine-tune their policy and purchase as much coverage as necessary at a reasonable cost.
Learn More: Foremost Mobile Home Insurance Review
American Modern: Best for Vacant Homes
American Modern is an insurance company that has served homeowners across the country since 1949. It’s committed to offering the best mobile home insurance in the industry with comprehensive coverage for both vacant and occupied properties, as well as a few unique add-ons to help maximize your coverage.
Pros and Cons of American Modern Mobile Home Insurance
✔ Has an online claims filing form
✔ Covers loss or damage due to vandalism
✔ Offers flexible payment options and an automatic payment system
✘ Has limited customer service with no weekend availability
✘ Only offers discounts for saving 5% or less on premiums
✘ Not rated by the Better Business Bureau (BBB)
In addition to your standard policy, you can purchase optional endorsements to customize your coverage:
- Enhanced coverage package for increased coverage limits
- Builder’s risk coverage for the time between loan closing and occupancy
- Breakdown protection for appliance repair or replacement
- Earthquake coverage
- Identity theft recovery
Why We Chose American Modern
American Modern includes flexible coverage for mobile or manufactured homes that aren’t a full-time residence for the owners. We recommend this provider to anyone who rents out their mobile home, uses it as a seasonal vacation property, leaves it vacant, or is a current tenant. An American Modern insurance agent can help you figure out what coverage fits your specific situation.
Comparing the Best Mobile Home Insurance Providers
If you’re not sure which mobile home insurance policy is best for you, compare the providers below.
AM Best Rating
Musical instruments, yard, and garden
Replacement cost, trip collision
24/7 for claims, limited for sales and service
Trip collision, matching siding
Trip, fire department service, food spoilage
24/7 for claims; limited for sales and service
Identity theft, breakdown protection
Limited hours for claims, customer support, and sales
What’s Covered With Mobile Home Insurance?
Mobile home insurance is an HO-7 policy, which is a named-peril policy that only protects you from the events listed as covered.
Commonly covered events include:
- Fire and lightning
- Windstorms and hail
- Theft and vandalism
- Riots and commotions
Similar to regular home insurance, you can expect six types of coverage in your mobile home insurance policy.
These areas will either be in your base policy or available as an endorsement:
- Dwelling Coverage: This type of protection covers the cost of rebuilding your mobile home as if it were new. Most insurance companies will give you an estimate when you answer questions about your home, but to get the most accurate rebuilding cost, talk to a local appraiser.
- Coverage for Other Structures: This covers detached structures on your property, like a shed or fence.
- Personal Property Coverage: If an event destroys your personal belongings, your insurance provider will cover the cost of replacing them. Most mobile home insurance policies will be actual cash value (ACV), which means you’ll receive enough money to replace the items based on their depreciated value. You can usually buy an endorsement for replacement cost coverage, which replaces your items with new ones.
- Coverage for Additional Living Expenses: If your home becomes temporarily inhabitable due to repairs, your policy covers living expenses, like the cost of a hotel room or meals.
- Liability Coverage: If you cause bodily injury or property damage to someone or their belongings, your policy will cover the medical bills or replacement costs. It will also cover legal fees if you’re sued.
- Coverage for Medical Payments to Others: If a guest is injured in your home, your insurance company will cover a certain amount of their medical bills.
How Much Does a Mobile Home Insurance Policy Cost?
According to Trusted Choice, a group of independent insurance agents, a mobile home insurance policy costs between $300 to $1,000 per year.
Here are a few factors that may affect that price:
- The Year it was Built: Mobile homes built before 1976 didn’t have building standards, so insurance companies consider them riskier to insure.
- The Size of The Mobile Home: The larger your mobile home, the higher your premium will be.
- Claims History: If you have a history of filing a lot of claims for your mobile home, your premium will increase.
- Susceptibility to Natural Disasters: Since mobile homes are more susceptible to damage from extreme weather, you’ll pay more if you live in an area that’s prone to natural disasters.
Factors to Consider Before Buying Mobile Home Insurance
Use these factors to help you in your search for a mobile home insurance policy:
- Budget: Determining how much you can afford to spend each month on a policy will limit what companies you can buy from and what types of endorsements you can add onto a base policy.
- Travel Protection: If you want protection for your mobile home during transit, you can usually purchase travel protection. Both Foremost and American Family offer endorsements for this type of coverage.
- Lender Requirements: If you received a loan from a bank to purchase your home, they may have home insurance requirements. Touch base with your lender before buying a policy to ensure you meet their requirements.
- Safety Features: Mobile homes are more prone to extreme weather, theft, and fire. To minimize the amount of damage an event could cause, and to lower your premium, consider investing in safety features like smoke detectors, home security systems, and fire extinguishers.
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 firstname.lastname@example.org.