For those who live in a mobile or manufactured home, a mobile home warranty can help cover home systems and appliances if they break down unexpectedly. For a monthly fee, a home warranty connects you with a vetted service professional and pays for repair or replacement costs.
We compared different providers and did the research for you. Below, we’ll discuss what a mobile home warranty is, what’s covered under a manufactured home warranty, and how much a plan costs, as well as our recommendations for the best home warranty providers in the industry.
What Is a Mobile Home Warranty?
A mobile home warranty, also known as a manufactured home warranty, is an annual service agreement between a homeowner and a home warranty company. This service contract protects your home systems and appliances if they break down from normal wear and tear. Additionally, it covers home repair and replacement costs, as outlined in your contract.
Annual Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.
What Does a Mobile Home Warranty Cover?
A mobile home warranty covers major systems and appliances like your air conditioner, electrical system, and refrigerator. The table below highlights items typically found in mobile home warranty coverage.
Commonly Covered Items
Systems |
Appliances |
|---|---|
Air conditioning |
Refrigerator |
Heating |
Dishwasher |
Electrical |
Built-in microwave |
Ductwork |
Oven |
Plumbing |
Stove |
Water heater |
Range |
Clothes washer |
|
Instant water dispenser |
Clothes dryer |
Central vacuum |
Freestanding ice maker |
Smoke detectors |
Built-in food center |
Ceiling fans |
Garage-door opener |
In addition to these covered items, a home warranty company may provide optional coverage for the following add-ons:
- Additional refrigerator
- Pool
- Roof leaks
- Septic pump
- Spa
- Stand-alone freezer
- Well pump
Types of Mobile Home Warranty Plans
There are three major types of home warranty plans: appliance plans, systems plans, and combination plans. Appliance plans cover home appliances such as washers and dryers. Systems plans cover systems, including electrical or plumbing. A combo plan provides coverage for both systems and appliances.
Some home warranty companies, such as First American Home Warranty may provide coverage in the form of basic plans and comprehensive plans. Both types of plans include coverage for systems and appliances, but the comprehensive plan will typically cover more items and include protection for add-ons.
How Much Does a Mobile Home Warranty Cost?
A mobile home warranty costs between $35 and $100 per month. Basic coverage costs less on average than more comprehensive coverage. You may pay less for a coverage plan by selecting an appliance or systems-only plan or by customizing coverage for select items.
Top 4 Home Warranty Companies for Mobile Home Warranties
- American Home Shield: Best Coverage Caps
- Liberty Home Guard: Best Customer Ratings
- Select Home Warranty: Best Value
- America’s First Choice Home Club: Best for Customization
American Home Shield
American Home Shield (AHS) is our top home warranty provider. It provides extensive coverage options, plus it includes coverage for rust, corrosion, and sediment damage. In addition, it pairs each covered item with generous coverage limits.
Pros and Cons
✔ Offers plan flexibility
✔ Doesn’t require a home inspection before granting coverage
✔ Includes coverage for unknown preexisting conditions
✘ Offers limited add-on coverage options
✘ Charges expensive monthly premiums
Plans and Pricing
American Home Shield offers three plans: the ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver covers home systems, and the ShieldGold adds home appliance coverage. The ShieldPlatinum plan includes systems and appliance protection plus increased coverage caps, roof-leak repair, and code violation coverage.
American Home Shield pricing depends on the service fee you select with the option of a $75, $100, or $125 service call fee. Your monthly premium will be determined by your chosen service fee—the higher the service fee, the lower the monthly premium, and vise versa.
Here’s a pricing breakdown for American Home Shield mobile home coverage:
- ShieldSilver: $39.99–$59.99 per month
- ShieldGold: $44.99–$64.99 per month
- ShieldPlatinum: $59.99–$99.99 per month
To get a free quote, fill out American Home Shield’s quote form or call 844-529-9298.
Learn more: American Home Shield Review
Liberty Home Guard
Liberty Home Guard is another reputable choice for mobile homes. It provides a wide range of add-on coverage options, discounts for major appliance purchases, and a 60-day workmanship guarantee.
Pros and Cons
✔ Includes a live-chat feature on its website
✔ Provides coverage for more than 30 unique add-ons
✔ Covers second air conditioning and heating system units within standard plan
✘ Lacks transparency for service call fee
✘ May take up to 48 hours to respond to a service request
Plans and Pricing
Liberty Home Guard offers three coverage plans that cover a variety of home systems and appliances. The Appliance Guard protects major appliances, such as refrigerators and dishwashers. The Systems Guard protects major systems, including water heaters. The Total Home Guard combines systems and appliance coverage.
Liberty Home Guard selects your service call fee, which ranges from $65 to $125, based on your home’s size, type, and location and your plan selections.
Here’s a pricing breakdown for Liberty Home Guard’s mobile home plan costs:
- Appliance Guard: $49.99 per month
- Systems Guard: $54.99 per month
- Total Home Guard: $59.99 per month
To get your personalized quote from Liberty Home Guard, please call 866-452-9107 or fill out the Liberty Home Guard quote form.
Learn more: Liberty Home Guard Review
Select Home Warranty
If you’re on a budget, we recommend Select Home Warranty since it provides solid mobile home protection at an affordable price. Select’s plans cost less than $50 per month, and its $75 service call fee is one of the lowest in the industry.
Pros and Cons
✔ Provides a $3,000 coverage limit on HVAC systems
✔ Covers additional refrigeration as an add-on
✔ Includes roof-leak coverage in each plan
✘ Limits coverage caps on major appliances and select systems
✘ Excludes coverage for unknown preexisting conditions
Plans and Pricing
Select Home Warranty offers coverage for your home via three plans.
The Bronze Care covers standard appliances, Gold Care covers major systems, and Platinum Care combines both plans into one comprehensive coverage plan. All three plans offered are less than $50 per month.
Select’s pairs each plan with a $75 service call fee per claim.
Here’s a look a pricing breakdown for Select Home Warranty mobile home coverage:
- Bronze Care: $44.43 per month
- Gold Care: $44.43 per month
- Platinum Care: $47.75 per month
For a free quote from Select Home Warranty, fill out the Select Home Warranty quote form or call 888-370-3956.
Learn more: Select Home Warranty Review
America’s First Choice Home Club
America’s First Choice Home Club (AFC Home Club) is our final recommendation for mobile home protection. It offers an unlimited workmanship guarantee that lasts the length of your plan, plus solid systems and appliance coverage. AFC Home Club also provides four coverage plans for those who need customizable coverage.
Pros and Cons
✔ Provides an unlimited workmanship guarantee
✔ Offers security perks, such as identity protection and credit monitoring
✔ Allows you to choose your service provider
✘ Requires you to file a claim as soon as you discover an issue
✘ Offers roof-leak repair only as an add-on
Plans and Pricing
AFC Home Club’s coverage plans consist of the following: the Silver Plan, Systems Plans, Gold Plan, and Platinum Plan. The Silver Plan protects appliances, and the Systems Plan protects systems. The Gold Plan includes Silver and Systems plan items. Finally, the Platinum Plan covers Gold Plan items plus built-in microwaves, faucets and more.
AFC Home Club allows you to choose from a $75, $100, or $125 service call fee. The higher your service call fee, the lower your monthly premium.
Here’s a pricing breakdown of AFC Home Club mobile home coverage:
- Silver Plan: $31.33–$37.50
- Systems Plan: $39.58–$43.75
- Gold Gold: $45.83–$49.09
- Platinum Plan: $49.09–$51.17
To request your free quote, fill out AFC Home Club’s quote form or call 877-755-1115.
Learn more: AFC Home Club Review
More Home Warranty Resources
Benefits of a Mobile Home Warranty
Not only can a mobile home warranty save you money when an important home item unexpectedly fails, it can provide you with the following benefits:
- Quick access to local professionals—Instead of calling around to find a trusted service technician in your area, most home warranty companies will send a professional contractor from their network to address repairs or replacements.
- Additional security—If a major system or appliance like your refrigerator or air conditioning break down, a home warranty can provide peace of mind and ensure that it will be fixed within a few days.
- Increased resale value for your mobile home—If you ever choose to sell your mobile home, having a home warranty can be enticing for potential home buyers and provide a safety net on all systems and appliances for their first year of homeownership.
Best Mobile Home Warranty Companies
Below are our picks for the best mobile home warranty companies.
Providers |
Liberty Home Guard |
American Home Shield |
Select Home Warranty |
AFC Home Club |
|---|---|---|---|---|
Get a free quote |
||||
Plan options |
3+ optional add-ons |
3+ optional add-ons |
3+ optional add-ons |
4+ optional add-ons |
Monthly premiums |
$49–$60 |
$39–$99 |
$44–$48 |
$32–$54 |
Service call fees |
$65–$125 |
$75, $100, $125 |
$75 |
$75, $100, $125 |
Additional savings |
Free roof-leak coverage when you sign up for an annual plan |
Customers can receive discounts on name brand appliances |
Get two extra months of coverage free when you sign up today |
Save up to $150 off when signing up |
Our Conclusion
We recommend American Home Shield due to its comprehensive mobile home coverage. Liberty Home Guard is another solid choice because of its 60-day workmanship guarantee. Our final recommendation is Select Home Warranty due to its low monthly fees.
In addition, we recommend pulling quotes from three providers to compare coverage options and costs. We also recommend you read each provider’s sample contract to understand coverage exclusions and limitations.
Frequently Asked Questions
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys.
We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
-
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
-
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
-
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
-
- Claims process
- Guaranteed response time
- Service flexibility
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.