Best Mobile Home Warranty Protection Plans

If you live in a mobile or manufactured home, a mobile home warranty can help cover home systems and appliances, like your dishwasher, electrical, or plumbing, if they break down unexpectedly. Not to mention, this type of home appliance insurance can save you money on expensive repairs and replacements.

Because there are a variety of home warranty companies on the market, the This Old House Reviews Team 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, how much one costs, and 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 home warranty company that protects your home systems and appliances if they break down from normal wear and tear. It covers home repairs and replacement costs, as outlined in your contract.

What Does a Mobile Home Warranty Cover?

A mobile home warranty covers major systems and appliances like your air conditioner, electrical system, and refrigerator. Here are some other common items you can expect to be included in your mobile home warranty coverage.

In addition to these covered items, a home warranty company may provide optional coverage for the following add-ons:

• Pool
• Spa
• Roof leaks
• Well pump
• Septic pump
• Additional refrigerator
• Standalone freezer

Types of Mobile Home Warranty Plans

There are three major types of home warranty plans: appliance plans, systems plans, and combination plans. Appliance plans specifically cover home appliances like washers and dryers, while systems plans only cover systems, like your electrical or plumbing. A combo plan provides coverage for both systems and appliances.

Some home warranty companies, such as First American Home Warranty and The Home Service Club, may also provide coverage in the form of basic plans and comprehensive plans. Both types of plans will 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 $25–$50 a month. Basic home warranties will fall on the lower end of the spectrum, while comprehensive coverage will cost around $50. You may be able to get a cheaper home warranty by choosing an appliance-only or systems-only plan or by customizing your own coverage and only paying for protection on items that need it most.

American Home Shield has three plans with generous coverage caps and gives customers the ability to choose their own service fee.

If you’re on a budget, we recommend going with a home warranty company like Select Home Warranty, as they have some of the lowest premiums in the industry and have a low deductible of $75.

In addition to a monthly premium, home warranty companies will charge a service fee of $75–$125 per claim. Companies like American Home Shield or America’s First Choice Home Club will let you choose your own service fee, while others like Select have a set service call fee.

More Home Warranty Resources

• American Home Shield review
• Select Home Warranty review
• AFC Home Club review

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 all on your own, 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, it can be really stressful. If your air conditioner fails in the dead of summer, 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 in the industry.

Our Conclusion

We recommend any of the three providers above and believe they are some of the best mobile home warranties available. Because pricing can depend on where you live and the type of plan you choose, we encourage you to get quotes from all three providers. This way, you can compare coverage options and pricing, and ask your favorite company to price match the lowest offer.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

• Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
• Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
• Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
• Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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