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Mobile Home

State Farm Mobile Home Insurance Review

Updated August 14, 2023

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Purchasing the best home insurance policy for your mobile home is critical if you want to protect your investment. Mobile homes are at higher risk for wind damage, as well as theft and vandalism, than traditional homes. A solid mobile homeowners insurance policy can protect your asset and your wallet.

Unfortunately, choosing the right mobile home insurance company can be challenging. Providers can differ in terms of coverage, availability, quality of customer service, and much more. The This Old House Reviews Team has created this in-depth State Farm mobile home insurance review to help you determine if this company is the best fit for your needs.

Our Take

State Farm is the largest homeowners insurance company in the country, with robust coverage for both traditional homes and mobile homes. However, very little information about State Farm’s mobile home insurance is available online, as the website does not outline basic details. You have to reach a local agent, and whether or not you will even qualify depends on a long set of requirements.

Although State Farm offers comprehensive coverage and endorsements, the process of getting a quote can be time-consuming. We give State Farm an overall score of 96.60 for home insurance.

On State Farm’s Better Business Bureau profile, common complaints refer to billing issues. Reviews range from noting issues with customer service to praising professionalism and efficiency.

Pros and Cons

Compare the advantages and disadvantages of State Farm mobile home insurance.

Pros Competitive Pricing Comprehensive coverage Several endorsements
Cons No online quote tool Only available to mobile homes that fit a key set of criteria


Your local agent will need a lot of information before they can prepare your quote, including:

  • Whether your mobile home is tied down
  • Its serial number
  • Manufacturer
  • Model and name
  • Length and width
  • Prior coverage details
  • If it’s fully enclosed
  • Whether it’s on concrete or an improved pad
  • If there is a fireplace
  • If you have protective devices
  • The type of roof
  • If it is on blocks
  • The distance to the nearest fire department and nearest fire hydrant

Once you have shared that information over the phone, your local agent can begin your quote. State Farm offers all of the basic forms of industry-standard mobile home insurance coverage.

Type Description

Dwelling + dwelling extension

Covers your home’s structure (both interior and exterior), plus detached structures like garages or sheds

Personal property

Covers personal property inside and outside the home in case of covered loss, including clothes, furniture, and electronics

Loss of use/Additional living expenses

Covers the costs associated with living outside of your home if it is temporarily uninhabitable due to covered damage or destruction

Personal liability

Covers 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 of a guest who is injured at your home, regardless of fault

State Farm Endorsements

State Farm offers several endorsements to help you round out your coverage.

Type Description

Water drainage/sewer

Covers damage caused by water backup from drains or a sewer

Earthquake endorsement

Covers damage caused by earthquakes

Flood endorsement

Covers damage caused by flood, written through FEMA


Additional coverage for valuable items like jewelry, furs, and watches

Credit card and debt forgery

Covers costs associated with identity theft involving credit card and debt forgery

Cost of State Farm Mobile Home Insurance

The exact cost of State Farm mobile homeowners insurance depends on a variety of factors, including your property value, size, its materials, where you live, the coverage limits you select, the insurance deductible you choose, and more. In general, mobile home insurance costs more than insurance for traditional homes, due to increased risk of wind damage, vandalism, and theft.


State Farm offers several different discounts to help lower the cost of your home insurance coverage.

Type Description

Protective devices

Discount for deadbolts, fire extinguishers, smoke detectors, and burglar alarms


Discount for bundling State Farm insurance policies

55 and up

Discount if you are bundling with a State Farm auto insurance policy and are 55 or older

State Availability

State Farm mobile home insurance is available in all 50 states, making it easy to move from state-to-state without needing to switch providers. It also makes bundling home and auto possible for anyone residing in the United States.

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming

Reviews of State Farm Insurance

State Farm is not accredited by the Better Business Bureau and holds an A rating from the organization. See what some customers had to say about their experience with State Farm.

Nic B. said:

“They were absolutely amazing for us. Our car got totaled a couple days before Christmas, so the claim we filed understandably took a few days to get started. But once it was started, it only took them six days to finalize everything and pay it off. Customer service was great and our local agent is amazing. So happy to have State Farm.”

Raven M. said:

“Customer service does not exist with this company. It has taken nearly 30 days to complete a total loss claim when their client was at fault. Within those 30 days, State Farm has lost my vehicle, refused to return calls, promised to show up and the representative delivering the payment is out of town all of a sudden. Terrible customer service… In a home with not one but two insurance agents, I know this is not how you treat a customer, let alone the one your client hit. I will never give my personal business to this company again.”

State Farm vs The Competition

See how State Farm stacks up against its top competitors on key metrics.

Link Best For Star Rating
Lemonade Get Quote Easiest Sign-Up
State Farm Get Quote Best Endorsements
Allstate Get Quote Best Coverage Options
Travelers Get Quote Most Experience
American Family Get Quote Most Comprehensive Coverage
Liberty Mutual Get Quote Best Discounts
Best For Easiest Sign-Up
Star Rating
Get Quote
State Farm
Best For Best Endorsements
Star Rating
Get Quote
Best For Best Coverage Options
Star Rating
Get Quote
Best For Most Experience
Star Rating
Get Quote
American Family
Best For Most Comprehensive Coverage
Star Rating
Get Quote
Liberty Mutual
Best For Best Discounts
Star Rating
Get Quote

Company Information

  • Company name: State Farm
  • Company type: Public
  • CEO: Michael L. Tipsord
  • Year founded: 1922
  • Headquarters: 1 State Farm Plz, Bloomington, IL 61701
  • State availability: 50
  • BBB rating: A

Our Conclusion

Once you can find out the details, you see that State Farm offers robust mobile home insurance coverage across 50 states. In its basic policy, it offers more comprehensive coverage than either Geico or Allstate.  Unfortunately, the information can be difficult to track down, and only certain homes will qualify. Overall, we give State Farm a score of 4.8 stars for mobile home insurance.

To ensure you find the right provider for your needs, we recommend getting quotes from multiple home insurance companies that serve your area. You can do so by calling 855-948-5219 or by entering your zip code below:

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Frequently Asked Questions About Mobile Home Insurance

Does State Farm insure mobile homes?

State Farm offers comprehensive mobile home insurance, providing accidental, direct physical loss to your dwelling, and named peril coverage for personal property.

Are mobile homes more expensive to insure?

In general, mobile homes are more expensive to insure because they are at a greater risk of damage from wind, theft, and vandalism. They are also less able to withstand fire and flood.

Can you insure older mobile homes?

This will vary from insurance provider to insurance provider. State Farm does offer coverage for mobile homes that are more than 10 years old.

What kind of insurance do you need for a mobile home?

We recommend getting all of the standard coverage you would get for a traditional home—dwelling and extensions, personal property, personal liability, medical payments to others, and loss of use/additional living expenses.

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

Read our complete Home Insurance Rating Methodology

Ratings listed in this article are accurate as of April 2023.

A.M. Best Disclaimer