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Best Mobile Home Warranty Companies (2024)

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Michael Mansueto Updated 03/06/2024

Mobile homes, also referred to as manufactured homes, provide a cost-effective option to traditional stick-built homes. These homes come with many of the same essential appliances and systems as conventional homes, even though they’re smaller. They also require financial protection against unforeseen breakdowns.

We compared nearly 60 leading home warranty companies on 31 key factors to find the best mobile home warranty providers. We recommend Liberty Home Guard for mobile homeowners because of its various add-ons and 60-day workmanship guarantee. American Home Shield is also a great option due to its comprehensive coverage and high coverage caps. Keep reading to learn about our full list of recommended providers and get advice on choosing the best mobile home warranty coverage. 

Note: Since 1976, the U.S. Department of Housing and Urban Development updated the term “mobile home” to “manufactured home”. The new term refers to homes manufactured after 1976 that were built to its improved construction and safety standards. Since the term “mobile home” is still commonly used, we will use “mobile home” and manufactured home” interchangeably throughout this article.

Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.


Summary of Best Mobile Home Warranty Providers

We recognize the following five companies as the best mobile home warranty providers:

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best for Comprehensive Coverage
First American Home Warranty: Best Appliance Coverage

Compare Home Warranty Companies for Mobile Homes

The table below compares our top picks based on key scoring factors, including monthly cost, claim response time, and service call fees.

Star Rating Monthly Cost Service Fee Response Time Link
Liberty Home Guard Liberty Home Guard
$49–$59 $65–$125 Up to 48 hours VISIT SITE
American Home Shield American Home Shield
$29–$89 $100–$125 Up to 48 hours VISIT SITE
Select Home Warranty Select Home Warranty
$44–$47 $60–$75 48-84 hours VISIT SITE
First American Home Warranty First American Home Warranty
$42–$82 $75–$125 4-48 hours VISIT SITE
AFC Home Warranty AFC Home Warranty
$35–$94 $75–$125 24-48 hours VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost $44–$47
Service Fee $60–$75
Response Time 48-84 hours
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $42–$82
Service Fee $75–$125
Response Time 4-48 hours
VISIT SITE
AFC Home Warranty
Logo AFC Home Warranty
Star Rating
Monthly Cost $35–$94
Service Fee $75–$125
Response Time 24-48 hours
VISIT SITE
Company BBB Rating Monthly Cost Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
B- $44–$47 $60–$75 VISIT SITE
B $35–$94 $75–$125 VISIT SITE
No results were found.

**We based the pricing information in this table and throughout the article on sample quotes we obtained for a 1,484-square-foot manufactured home in Proctor, Arkansas. Your pricing may vary depending on your home’s location, size, type, and plan selections.


How We Rated Mobile Home Warranty Companies

Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
2000
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for home protection.
57000
Reviews Analyzed We went through 57,000 customer reviews of home warranty companies to see what people had to say about each provider.
31
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

We evaluated 57 providers and read through 31 coverage plans to determine the best mobile home warranty providers. We verified each company covered mobile or manufactured homes and didn’t include exclusions specific to this home type. We compared system and appliance coverage, exclusions, add-on options, and workmanship guarantee length. We spoke with several industry experts to get their insight into mobile home ownership and protections. We also secret-shopped and tested the claims process to see the customer experience firsthand. 
We created a detailed methodology to score each company. We scored based on four categories: coverage, value, trust and transparency, and availability and service. We awarded points for each category and converted scores to a final 5-star rating scale.

Our Home Warranty Experts

We consulted over 15 home warranty professionals during our research on home warranty coverage. We spoke to the following two experts specifically about mobile home warranties:
Yancy Forsythe: Forsythe is the owner and founder of Missouri Valley Homes, a cash homebuying business based in Carrollton, Missouri.
Keith Sant: Sant is the founder & CEO of Kind House Buyers, a cash homebuying business based in Tacoma, Washington.

How Do Mobile Home Warranties Work?

Here’s a look at the basics of a mobile home warranty plan including typical coverage, costs, and benefits. 

What Does a Mobile Home Warranty Cover?

How Much Does a Mobile Home Warranty Cost?

What Are the Benefits of a Mobile Home Warranty?

How a Mobile Home Manufacturer’s Warranty Differs From a Home Warranty?

Traditional and mobile homes share certain basic features, but their major difference is their construction. Sant says, “Mobile homes feature distinct systems and appliances compared to traditional stick-built homes, often requiring specialized repairs or replacements.” He adds, “A tailored home warranty for such properties offers peace of mind and financial protection in the event of unforeseen breakdowns.”
A typical mobile home warranty covers major systems and appliances such as your air conditioner, electrical system, and refrigerator. Many providers offer three types of home warranty plans: appliance plans, system plans, and comprehensive (or combo) plans. Appliance plans cover home appliances such as washers and dryers. A system plan covers systems, including electrical or plumbing. A comprehensive plan provides coverage for both systems and appliances. The list below highlights items typically found in home warranty coverage.

Our research showed that a mobile home warranty costs between $40 and $100 per month. Basic protection costs less on average than more comprehensive coverage. You may pay less for a plan by selecting an appliance or system-only plan or customizing coverage for select items. In addition to plan premiums, you’ll also pay a service call fee per visit. These fees can range between $60 and $125 per visit. 

The following factors would also impact your mobile home warranty costs:

  • Coverage level: Choosing a home warranty plan with more coverage than you need will result in higher premiums. Many companies offer less expensive specialized plans targeted for system-only or appliance-only protections. We recommend avoiding purchasing a plan with more coverage than you need to help keep your costs down. Or, consider purchasing a more customizable plan and selecting only the protections you need. 
  • Home age: Most older homes require more repairs due to the age of their appliances and systems. Many providers exclude coverage for preexisting conditions or could limit payouts due to item age. Ensure your plan covers physical damage for older items or preexisting conditions so you get the right caps for these service repairs. Choosing a company with low caps and coverage exclusions will result in more out-of-pocket costs.  
  • Location: Many providers vary costs based on your location. This includes different parts within your state or ZIP code. Some providers also base certain costs on your location, such as service call fees. We recommend getting quotes from at least three providers to compare costs and find the best coverage options.

A mobile home warranty can save you money when an important home item unexpectedly fails, and it can also provide you with the following benefits:

  • Additional security: A home warranty can provide peace of mind if a major system or appliance, such as your refrigerator or air conditioning, breaks down by ensuring a technician fixes it within a few days.
  • Increased resale value for your mobile home: Having a home warranty can entice potential homebuyers and provide a safety net on all systems and appliances for their first year of homeownership.
  • Quick access to local professionals: You don’t need to call around to find a trusted service technician. Most home warranty companies will send a professional contractor from their network to address repairs or replacements.

A mobile home manufacturer’s warranty and a home warranty both protect your mobile home but in different ways. Most manufacturers’ warranties include coverage for structural components and materials only. However, this differs from a typical home warranty plan. Yancy says, “A manufactured home’s written warranty typically covers the home’s structure and craftsmanship while a home warranty focuses on protecting home systems and appliances from wear and tear.” Pair your manufacturer’s warranty with home warranty coverage for maximum mobile home protection.


Mobile Home Warranty Company Reviews

The following sections provide an overview of our top mobile home warranty providers and which homeowners we recommend them for. 

Liberty Home Guard

Best Customer Ratings
4.5

Our rating: 4.5
Monthly cost: $49–$59

We recommend Liberty Home Guard (LHG) for mobile homeowners who need diverse coverage options. The company offers specialized and comprehensive coverage plans, plus 42 add-on options, the largest catalog in this review.

How We Scored Liberty Home Guard

We scored LHG 4.5 out of 5 stars in our review standards. Here’s how it rated in key categories:

  • Coverage (4.7 out of 5): LHG scored well for its coverage plan options and extensive add-on catalog. 
  • Value (4.25 out of 5): The company lost points for its unclear and inflexible service call policy. 
  • Trustworthiness and Transparency (4.8 out of 5): LHG received a high score for its excellent customer review scores and brand reputation. 
  • Availability and Service (4.3 out of 5): It lost points for its restrictive service technician options.

Pros and Cons

Pros Includes 60-day workmanship guarantee, twice the industry standard Offers 42 add-on coverage options Provides a $2,000 cap on most covered items Cons Doesn’t offer flexible service call fees Provides lower plumbing and electrical systems caps than other reviewed providers Requires immediate claim filing for detected issues

Plans and Cost

LHG offers three service plans: Appliance Guard, Systems Guard, and Total Home Guard. We reviewed the LHG sample contract and learned that the company has a $2,000 limit for most items, which aligns with industry-standard caps. Plumbing and electrical systems only receive $500, which is lower than most providers. You can choose between appliance-only, system-only, or comprehensive coverage to better suit your mobile home needs. LHG offers a 60-day workmanship guarantee, twice the industry standard of 30 days. 

Here’s an overview of LHG’s available plans:

  • Appliance Guard: The appliance-only plan covers nine appliances, including clothes dryers, garbage disposals, and kitchen refrigerators. 
  • Systems Guard: This next plan covers six built-in systems, such as air conditioning, ductwork, and heating.
  • Total Home Guard: The highest plan offers comprehensive protection by combining the Appliance Guard and Systems Guard plans.

We learned that LHG doesn’t let you choose your service call fee. Most providers offer at least two flexible options. Instead, the company assigns a $65–$125 fee based on your selected plan, location, and add-on options. LHG offers annual and monthly premiums, which is typical of most home warranty companies. Our annual premium quote included a promotion for two months of free service.

We listed LHG’s pricing and coverage caps below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing and electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

LHG provides 42 add-on options, the largest catalog in this review. Add-on coverage pricing ranges from $3.99–$35.99 per month, which is midrange compared to other providers. The company offers protection for roof leaks, pro-series appliances, electronics, and home maintenance services. You can also find coverage for:

  • Central vacuums
  • Pest control services
  • Water softeners

Our Experience With Liberty Home Guard

We noted that many customers complimented LHG’s efficient customer support when reviewing online customer reviews. We called customer support during our secret shopping and connected to a representative in under 30 seconds. The representative was friendly and answered our questions thoroughly. 

We also tried the live chat service, but it took two requests to speak with a live agent after interacting with an automated bot. We recommend using the customer support line to receive detailed answers and the live chat for general inquiries.

American Home Shield

Best for Comprehensive Coverage
4.4

Our rating: 4.4
Monthly cost: $39–$99

We recommend American Home Shield (AHS) for homeowners who own manufactured homes with older appliances. It’s one of the few companies that doesn’t exclude items with preexisting conditions and damaged items from its standard coverage.

How We Scored American Home Shield

We scored AHS 4.4 out of 5 stars in our review standards. Here’s how we rated it in key categories:

  • Coverage (4.7 out of 5): AHS scored well for its comprehensive coverage, which includes preexisting conditions. 
  • Value (4 out of 5): AHS lost points for bundled plan pricing, which is higher than its competitors. 
  • Trustworthiness and Transparency (4.25 out of 5): AHS lost points due to its lower customer review scores on third-party sites
  • Availability and Service (4.7 out of 5): AHS received a high score for its efficient claims process and turnaround time.

Pros and Cons

Pros Offers generous coverage limits for systems and appliances Includes roof-leak coverage with its highest plan Provides coverage for preexisting conditions and damaged items, a rare inclusion Cons Charges slightly higher for its comprehensive plans than other providers Doesn’t offer monthly premiums, which is common with other companies Only offers six add-on options, the smallest catalog of this review

Plans and Cost

AHS offers three plan options for mobile homes: ShieldSilver, ShieldGold, and ShieldPlatinum. Reading the AHS sample contract revealed that the company offers $2,000 caps for appliances and $5,000 for systems, one of the highest limits in this review. The ShieldPlatinum plan doubles its appliance coverage to $4,000 and includes a $1,000 cap for roof leaks. Most companies limit roof-leak coverage to add-ons only. However, the company doesn’t offer an appliance-only plan, so you must get comprehensive system coverage. Comprehensive plans are often more expensive than specialized plans. AHS includes a 30-day workmanship guarantee with its repairs. 

We detailed the available AHS mobile home warranty plans below:

  • ShieldSilver: This system-only plan protects cooling, electrical, heating, and plumbing systems. 
  • ShieldGold: This plan extends coverage to include systems and appliances, such as built-in microwaves, garbage disposals, and ovens. 
  • ShieldPlatinum: The highest plan includes ShieldGold items and adds additional perks, including roof-leak coverage and one free HVAC tune-up.

AHS charges slightly higher for its comprehensive plans compared to other reviewed companies. Our sample quote included a flexible $100 or $125 service call fee, which is on the expensive side. However, choosing the higher service call fee resulted in lower premiums. Unlike other companies that offer monthly and annual premiums, AHS only offers monthly premiums. 

Here’s an overview of AHS prices and coverage caps:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$39.99–$49.99

$100–$125

$5,000

ShieldGold

$59.99–$69.99

$100–$125

Systems: $5,000

Appliances: $2,000

ShieldPlatinum

$89.99–$99.99

$100–$125

Systems: $5,000

Appliances: $4,000

AHS offers only six add-on options, the smallest catalog in this review. On average, most home warranty companies provide eight or more options. Pricing ranges between $8 and $24, making it more affordable. 

Here’s a sample of the available AHS add-ons:

  • Electronics protection plan 
  • Pools and spas
  • Roof leaks

Our Experience With American Home Shield

One of our team members tested the AHS home warranty claims process. He received prompt text and email confirmations after submitting his claim online. A service technician called to schedule a next-day service appointment within just five minutes. The service appointment lasted two hours, and the service call fee was the only expense incurred.

Select Home Warranty

Best Value
4.3

Our rating: 4.3
Monthly cost: $44–$47

We recommend Select Home Warranty for homeowners who need baseline coverage at an affordable price. The company offers specialized and comprehensive coverage plans for less than $50 per month and provides free roof leak coverage in its standard coverage.

How We Scored Select Home Warranty

We scored Select Home Warranty 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories:

  • Coverage (3.7 out of 5): The company received a lower score for its coverage caps, which provide less coverage than most providers. 
  • Value (5 out of 5): It received a perfect score for its cost-effective pricing, which is lower than most reviewed providers.  
  • Trustworthiness and Transparency (4.5 out of 5): We deducted points for its lower average customer review score.  
  • Availability and Service (4.3 out of 5): The company lost points for its claims processing time line, which is longer than most providers.

Pros and Cons

Pros Includes free roof-leak coverage with its standard coverage Offers a generous $3,000 cap for HVAC coverage Provides affordable plans priced below $50 per month Cons Assigns its service call fees, limiting your flexibility Doesn’t cover items with unknown preexisting conditions Limits most coverage caps to $500 or lower, well below the industry standard

Plans and Cost

Select Home Warranty provides three plan options: Bronze Care, Gold Care, and Platinum Care. Reading Select Home Warranty’s sample contract shed light on the fact that the company offers lower coverage limits than our other reviewed providers. It provides a $3,000 limit for HVAC, but all other systems and appliances max out at $500. This is why we recommend Select Home Warranty for mobile homeowners who need minimum coverage for an affordable price. 

Here’s a look at Select Home Warranty’s plans:

  • Bronze Care: This plan covers appliances only, such as cooktops, garbage disposals, and refrigerators. 
  • Gold Care: This system-only plan includes essential systems such as air conditioning, heating, and water heaters. 
  • Platinum Care: The highest plan tier offers comprehensive coverage for appliances and systems, plus additional items, including plumbing stoppages and ceiling fans.

The company includes monthly and annual premium options, making finding the best payment plan for your budget easier. However, it assigns its service call fees, which typically range between $60 and $75. Our secret shopping told us that Select Home Warranty offers an exclusive over-the-phone deal for its lowest service call fee. 

We detailed Select Home Warranty’s pricing below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

Select offers some of the most affordable add-on options in this review, with pricing ranging between $3.33 and $8.33 per month. However, its add-on coverage only offers $400 coverage caps for most items, which is lower than other providers. Below is a sample of its nine add-on options:

  • Central vacuums
  • Lawn sprinkler systems
  • Stand-alone freezers

Our Experience With Select Home Warranty

Reviewing our sample contract showed us that Select Home Warranty uses its own network of service technicians for repairs. However, the company lets you select your option if no technicians are available. Select Home Warranty must approve your technician before repairs can begin. 

AFC Home Warranty

Best for Customization
4.6

Our rating: 4.6
Monthly cost: $50–$86

We recommend First American Home Warranty for manufactured homeowners who need protection for high-end appliances. The company offers up to $7,000 appliance caps on its highest plan, plus an add-on upgrade that includes coverage for preexisting conditions.

How We Scored First American Home Warranty

We scored First American Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories:

  • Coverage (4.7 out of 5): The company received a high score for its coverage plans which include high appliance caps and unlimited system coverage. 
  • Value (4 out of 5): First American Home Warranty scored low due to its higher-than-average service call fees. 
  • Trustworthiness and Transparency (4.8 out of 5): It scored high for its excellent brand reputation and customer review scores. 
  • Availability and Service (4.3 out of 5): The company received a lower score for its restrictive service technician policy.

Pros and Cons

Pros Has no coverage cap for most systems, including HVAC, ductwork, and electrical Offers preexisting condition protection with its First American Advantage upgrade Provides the highest appliance coverage caps in this review Cons Charges slightly higher for its premiums compared to competitors Excludes air conditioning, clothes washers, and dryers from its lowest plan Only offers comprehensive plans, which typically cost more than specialty plans

Plans and Cost

First American Home Warranty provides three plans: the Starter Plan, Essential Plan, and Premium Plan. Reviewing the company’s sample contract showed us that it doesn’t offer appliance- or system-only plans like other providers. Instead, you must choose from three comprehensive plans. Its lowest plan, the Starter Plan, omits coverage for key items, including air conditioning, clothes washers, and dryers. You can add air conditioning coverage with an add-on, but you must move to a higher plan for clothes washer and dryer coverage. You can also add the First American Upgrade to the Essential and Premium plans for coverage for improper installations, maintenance, and preexisting conditions. 

Here’s a breakdown of First American’s coverage plans:

  • Starter Plan: The lowest comprehensive plan includes some essential items, such as built-in microwaves, heating systems, and refrigerators.
  • Essential Plan: The next tier includes Starter Plan items and additional key items such as air conditioning systems, clothes washers, and dryers.
  • Premium Plan: The highest plan includes Essential Plan items, plus luxury appliances, roof leaks, and window air conditioning units.

First American Home Warranty offers three flexible service call fees: $75, $100, or $125. Our premium rates decreased when we chose the highest fee for our sample quote. The company offers annual and monthly premiums but charges an additional $2 processing fee for monthly options. 

We’ve outlined First American’s costs, fees, and coverage caps below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$50.00–$64.00

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$59.00–$72.00

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$72.00–$86.00

$75–$125

Systems: Remain the same Appliances: $7,000

The company includes 12 add-on options ranging from $2.08–$20.83 per month. You can add central air conditioning coverage for $8.33 to the Starter Plan. You’ll pay $8.33 per month to add roof-leak coverage to the Starter and Essential Plans. You can also add the First American upgrade to the Essential and Premium Plans at no charge.

Below are some add-ons offered by First American Home Warranty:

  • Additional refrigeration
  • HVAC tune-ups
  • Water softener

Our Experience With First American Home Warranty

Our team member submitted a claim to First American Home Warranty on a Friday for a broken garage door opener. He received a text confirming the assigned technician within 30 minutes. The technician scheduled a repair visit for Monday and completed the repair in under 30 minutes. The only cost was the standard service call fee.

AFC Home Warranty

Best for Customization
4.6

Our rating: 4.6
Monthly cost: $34–$92

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for mobile homeowners who want more customized home protections. The company offers the most plan options in this review, providing four plans with appliance protection, three service call fees, and 13 add-ons.

How We Scored AFC Home Warranty

We scored AFC Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories:

  • Coverage (4.3 out of 5): AFC Home Warranty scored lower due to its depreciation policy, which lowers payouts for items five years or older. 
  • Value (4.5 out of 5): The company scored high for its plan and service call fee variety. 
  • Trustworthiness and Transparency (4.8 out of 5): AFC Home Warranty received a high score for its unlimited workmanship guarantee. 
  • Availability and Service (5 out of 5): The provider received a perfect score for its service technician policy, which lets you choose your own technician.

Pros and Cons

Pros Backs its repairs with a plan-length workmanship guarantee Offers free roof-leak coverage with every plan Provides the best plan variety of the providers in this review Cons Doesn’t cover items with preexisting conditions Offers reduced payouts for items five years and older Must submit claims within one day of detecting an issue

Plans and Cost

AFC Home Warranty provides four plan options: the Silver Plan, the Systems Plan, the Gold Plan, and the Platinum Plan. Most companies only offer two or three coverage choices. We read AFC Home Warranty’s sample contract and learned that the company offers an unlimited workmanship guarantee. This policy offers repair protection through the full length of your plan. We also learned that AFC Home Warranty includes a depreciation policy with its plans, reducing payouts for items five years or older. This means older appliances and systems will receive lower payouts over time. 

Here’s a look at AFC Home Warranty’s plans:

  • Silver Plan: This plan covers nine appliances, including dishwashers, refrigerators, and stoves. 
  • Gold Plan: The next plan protects 15 systems and appliances, such as air conditioning, heating, and water heaters. 
  • Platinum Plan: The next tier covers 20 systems and appliances, adding faucets and built-in microwaves. 
  • Diamond Plan: The highest plan includes Platinum coverage, plus electronics and external sewer and water lines. (Note: The Diamond Plan is unavailable in AK, CA, HI, MT, MS, NC, NJ, UT, VA, WA, WV, or WI.)

AFC Home Warranty offers annual and monthly premiums. It’s one of the few companies to offer multiyear plans for up to three years. Our sample quote included discounts for selecting the annual options. A one-year plan included a $100 discount, while three-year premiums came with $250 off. You can choose between a $75, $100, or $125 service call fee. Similar to other companies with flexible fee options, lower fees will increase your premium pricing. 

Here’s an overview of AFC Home Warranty’s pricing and caps:

Plan

Monthly Cost

Service Fee

Coverage Cap

Silver Plan

$34.33–$39.08

$75–$125

$3,000

Gold Plan

$48.50–$53.17

$75–$125

Appliances: $3,000

Systems: Unlimited

Platinum Plan

$53.17–$57.92

$75–$125

Coverage caps remain the same

Diamond Plan

$87.75–$92.50

$75–$125

Coverage caps remain the same

AFC Home Warranty offers 13 add-on options that range from $25 to as high as $150 per year. You can add roof-leak coverage at no charge to any coverage plan. The company offers a good mix of system and appliance add-on options, including central vacuums, and double ovens. Additional add-on options include the following items:

  • Hot water dispensers
  • Ice makers
  • Stand-alone freezers

Our Experience With AFC Home Warranty

AFC Home Warranty is one of the few providers that lets you choose your own technician. Most home warranty providers use an exclusive network of preapproved service technicians. The AFC Home Warranty policy offers more flexibility with your choices and guarantees there is an available technician in your area. The company also offers exclusive membership perks not found with other providers. These perks include free credit monitoring, emergency alert services, and identity protection. 


What Should You Consider When Buying a Mobile Home Warranty?

Keep the following in mind as you shop for the best mobile home warranty plan:

  1. Coverage needs: Consider which appliances and systems need the most protection in your mobile home. For example, if you have older items, look for plans that cover preexisting conditions. Consider a specialized plan that includes your essential appliances or systems instead of a comprehensive plan if you only need specific coverage. Sant recommends finding a home warranty company with flexible plans that suit your specific needs. He says that these plans are helpful if you plan to upgrade or renovate your mobile home in the future.
  2. Plan exclusions: Review sample contracts to verify coverage exclusions and limitations. Ensure the company specifically covers mobile or manufactured homes. Many providers limit coverage to only items within your home. For example, your home plan won’t cover a community pool within a mobile home community.   
  3. Review scores and brand reputation: Check each company’s reputation on the Better Business Bureau and third-party review sites. Read through homeowner reviews and look for any recurring issues, including denied claims, poor repair service, questionable business practices, and pending lawsuits. 
  4. Technician availability: Review each company’s service technician policy and determine if it uses an exclusive network or lets you choose your own technician. You may need to speak with a representative to get more details about its qualified technicians and exact availability in your area. Consider a provider with a more flexible repair policy if the company offers limited service technicians near you.

Home Warranty Cost Calculator

Our team created a calculator to break down the estimated annual cost of owning a home warranty. 

You should use the following steps to calculate your projected annual cost:

  1. Enter your monthly premium
  2. Enter your service call fee
  3. Enter your estimated number of claims 

It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

Use the table below to compare your calculated cost to repair and replacement costs for common appliances.

Item/System

Average Cost to Repair

Average Cost to Replace

Exhaust fans

$16–$300

$250–$950

Refrigerator

$40–$350

$200–$5,000

Dehumidifier

$50–$200

$1,300–$2,800

Microwave

$50–$400

$60–$2,000

Washer

$50–$450

$400–$2,300

Dishwasher

$50–$500

$400–$3,000

Freezer

$90–$500

$160–$2,900

Dryer

$100–$400

$450–$2,300

Oven

$100–$430

$400–$3,000

Electric range

$100–$500

$230–$3,000

Gas range

$100–$500

$230–$3,000

Life span and repair cost data sourced from InterNACHI and Home Depot


FAQ About Mobile Home Warranties

Do home warranties cover pre-existing conditions?

Most home warranty companies don’t cover preexisting conditions, but there are some companies that cover items that have been improperly installed, modified, or maintained. 

Can you get a home warranty without an inspection?

Yes, most mobile home warranty companies don’t require a home inspection before you sign up for coverage, and protection will begin 30 days after signing a contract. However, we recommend getting an inspection before your coverage kicks in so you’re familiar with the condition of your systems and appliances and aren’t surprised by any coverage exclusions.

What’s the difference between a home warranty and homeowners insurance?

A mobile home warranty is an optional service contract that covers systems and appliances when they break down due to normal wear and tear. Homeowners insurance, on the other hand, is required and protects your home when it’s damaged by natural disasters, fire, or theft.

How long does a home warranty last?

A home warranty typically lasts for a year, but you may be able to enroll in a multi-year warranty plan when signing up.

Can you get a home warranty on a mobile home?

Yes, you can get a home warranty for your mobile home from providers such as Liberty Home Guard and American Home Shield. 


How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for each state and major U.S. city below.


We’ve compiled several easy-to-digest guides based on our extensive home warranty coverage. Learn more below.

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