The 3 Best Mobile Home Insurance Companies
American Family, State Farm and Foremost are the best mobile home insurance companies.
Find Cheap Mobile Home Insurance Quotes in Your Area
Best manufactured home insurance companies
To help you find the best mobile home insurance companies, ValuePenguin considered customer reviews along with coverage and discount availability. When you're shopping for mobile home insurance, you should look for a balance of great customer service and helpful coverage at an affordable price.
Best mobile home insurance for most people: American Family
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Editor's rating
American Family has reliable customer service and lots of discounts.
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Lots of discounts
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Dependable customer service
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Offers online quotes
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Limited coverage add-ons
American Family offers lots of ways to lower your mobile home insurance bill with discounts. You can save money if you:
- Bundle your home and auto policies with AmFam
- Pay your annual bill in full or sign up for automatic payments
- Get your policy documents and bills via email
- Install a fire or burglar alarm or sprinkler system in your mobile home
- Own a manufactured home less than four years old
Owners of manufactured homes can count on American Family to get their lives back on track quickly after an emergency.
American Family earned a high score on J.D. Power's claims satisfaction survey. And it gets half as many complaints as an average company its size. That means customers are typically happy with the claims experience at American Family.
A basic policy from American Family comes with enough coverage for most mobile homes. It also offers a few unique upgrades, like hidden water leak damage.
But it doesn't offer replacement cost coverage. So it's not a great choice if you're concerned about how you would afford a new mobile home after a major disaster, like a serious fire.
Best customer service for manufactured homes: State Farm
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Editor's rating
State Farm has reliable customer service and helpful local agents.
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Dependable customer service
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Basic policy includes extra coverage
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Great for rentals
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Limited discounts and coverage add-ons
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Can't get a quote online
State Farm is the best choice if you're looking for the peace of mind that your insurance company will take great care of you in an emergency.
State Farm earned good scores on both the J.D. Power customer satisfaction and claim satisfaction surveys. That means its customers are typically happy with their experience at State Farm.
State Farm is also a great choice if you rent out a room in your mobile home, or list it on Airbnb while you're away. That's because State Farm's basic manufactured home policy pays for lost rental income if you can no longer rent your home because of damage. Not all companies offer this coverage, and most charge extra for it.
However, State Farm doesn't offer many other coverage options. For example, you can't get trip coverage if you move your mobile home to a new location.
In addition, State Farm doesn't offer mobile home insurance quotes online. You'll have to contact an agent to compare rates and buy a policy.
Best coverage add-ons for your mobile home: Foremost
Foremost offers lots of ways to customize your mobile home coverage.
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Basic policy includes extra protection
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Great selection of coverage add-ons
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Few customer complaints
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No online quotes
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Limited discounts
If a major disaster destroys your home, Foremost will pay enough for you to buy a brand new home.
That's because its basic mobile home insurance policy includes "agreed loss settlement coverage." With this coverage, you decide with your insurance agent how much your home is worth when you buy the policy. If your home is destroyed, Foremost pays the full amount, regardless of any prior wear and tear. This is similar to replacement cost coverage, an option most companies charge extra for.
In addition, you can upgrade your protection with the following coverage add-ons:
- Identity theft protection
- Earthquake insurance
- Landscaping coverage
- Food spoilage coverage
- Hobby farm or ranch liability
- Personal injury coverage
- Water backup coverage
- Trip coverage
- Valuables coverage
- Debris removal after a storm
- Replacement cost coverage for your belongings
Foremost customers are typically happy with the company's customer service. It only gets two-thirds as many complaints as an average company its size. That means you can count on Foremost to have a quick and easy claims experience.
One downside to Foremost is that it doesn't offer instant online quotes. However, you can visit its website and enter all the details about your mobile home to get an email quote within 24 hours.
In addition, Foremost only offers a few discounts compared to other companies. You could save money if:
- You're over 50 years old
- You have a newer mobile home
- You live in an approved mobile home park
- You buy another insurance policy from Foremost, like boat or ATV insurance
How to choose the best mobile home insurance company
Top-rated mobile home insurance companies offer a combination of great customer service and helpful coverage at an affordable price.
To find the best company for you, start by figuring out how much coverage you need. Then, compare quotes from multiple companies and consider customer service reviews.
Figure out how much coverage you need. Most basic mobile home insurance policies should offer the same standard coverage. This includes protection for the structure of your mobile home, coverage for your belongings and personal liability protection.
However, some homeowners need extra coverage. For example, if your manufactured home is in California, you should consider getting earthquake insurance.
It's important to know up front what protection you need. That way you can make sure you're getting quotes with the right types and amount of coverage.
Compare quotes from multiple companies. Each insurance company calculates mobile home rates differently. Some may place more emphasis on your location while others may prioritize your insurance history. For that reason, the cheapest company for you isn't necessarily the same as your family, friends or neighbors.
Consider customer service reviews. It's important to choose a company you can count on to get your life back to normal quickly after an emergency.
Companies with great customer service do this with a fast and easy claims process. Poor customer service could lead to a longer repair timeline, and you may end up paying more to fix or replace your home.
To find the best customer service, start with ValuePenguin's best home insurance companies. Many of these companies offer mobile home or manufactured home insurance in addition to covering traditional homes.
What affects mobile home insurance rates
A variety of factors can affect the cost of your mobile home insurance policy. Some of the most common factors are:
The estimated cost to replace your mobile home has the greatest impact on your rates. This is called your dwelling limit.
Higher coverage limits typically mean higher rates, but you should still cover your home up to its full replacement value.
Insurance companies typically offer cheaper rates if your mobile home is a newer model. Coverage for a 10-year-old mobile home typically costs much more than coverage for a new one.
If you recently made a claim, insurance companies are more likely to charge you a higher rate.
There are lots of ways your location can affect your insurance rates. If you live in a place with frequent severe weather, you'll typically pay more for insurance. For example, if you live in a part of California that often has wildfires, your mobile homeowners insurance quotes will probably be expensive.
You may also pay more for insurance if you live in a place with lots of property crime.
On the other hand, you could get a discount if you live in a mobile home community. For instance, a policy from Foremost costs 16% less for Louisiana mobile homes located in a park.
Without traditional foundations, mobile homes have a higher risk of wind damage. Tying down or anchoring your home may get you a cheaper rate.
Skirting is the vinyl or brick covering on the bottom of your mobile home. It insulates pipes and keeps out animals, so these things are less likely to damage your home. This can mean lower insurance rates.
These are only some of the things your insurance company may ask you about when you apply for a mobile home policy. Each company uses this info differently when calculating rates. So the best company for you may not be the same as your neighbors, friends or family.
What is mobile home insurance?
Mobile home insurance — also called manufactured home insurance — pays to fix or replace your home if it's damaged by certain disasters or accidents.
Mobile home insurance covers similar damage as a standard homeowners insurance policy.
What do manufactured home insurance policies cover?
Basic mobile home insurance policies should all come with the same standard coverage, which includes:
Dwelling coverage pays for damage to your mobile home caused by a covered event, such as fire or wind.
Personal property coverage pays to replace damaged belongings on your property. This can include your clothing, furniture, area rugs and small appliances.
Liability coverage protects you if you accidentally damage someone else's property or a guest is hurt in your home.
Loss of use coverage helps cover your living expenses if damage to your mobile home makes it unsafe to live in. This could include the cost of a hotel stay or extra gas if the hotel is further away from work.
Many companies offer extra coverage options as a way to personalize your policy. For example, trip coverage may be helpful if you plan to relocate often. Depending on the insurance company, these features may cost extra.
Some popular coverage add-ons are:
Replacement cost coverage pays the full value to repair or replace your mobile home, regardless of any wear and tear prior to the damage.
Trip coverage pays for damage to your mobile home when you move it from one place to another. This may include the initial transport of the mobile home post-construction or a relocation.
This coverage pays for water damage caused by backed-up sewers or drains.
For example, this coverage could pay the medical bills of someone who gets sick from eating your homegrown food.
Frequently asked questions
What is the best insurance company for mobile homes?
American Family is the best insurance company for most mobile homes. However, the best company for you could be different. For example, Foremost has the most coverage options for people who need extra protection, like hobby farmers or people who regularly move their mobile homes.
Is Assurant mobile home insurance good?
Assurant isn't the best choice for mobile home insurance. It gets nearly five times as many complaints as an average company its size, according to the National Association of Insurance Commissioners. However, it's one of the few companies that offers online quotes.
How much does a mobile home insurance policy cost?
The cost of mobile home insurance can range from less than $1,000 per year to nearly $5,000 per year. Your rate depends on lots of factors, including the style and age of your mobile home, the amount of coverage you get and where you live.
Do you need insurance for a mobile home?
Mobile home insurance isn't required by law. However, your mortgage lender or mobile home park may require you to have a policy.
Methodology
ValuePenguin considered the top manufactured home insurance companies available nationally and chose the three best companies based on coverage and discount availability and customer service reputation.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
