Shopping for mobile home insurance can be tricky. Mobile home insurance is not as widely available as insurance for other types of homes, and some of the companies that specialize in it are brands that may not be familiar to you. Here’s a look at the best insurance companies for your mobile or manufactured home.
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Mobile home insurance coverage options
Mobile home insurance is typically offered as a package of coverages for your home and belongings, liability claims against you and certain other expenses.
Although mobile home insurance is not required by law, lenders typically require it for a loan, and many mobile home communities also require it.
Some insurance companies shy away from mobile homes, because some mobile homes are more susceptible to fire and damage from severe weather than site-built homes.
Mobile homes built before 1976 are considered the riskiest to insure, because they predate federal construction and design standards established by the Department of Housing and Urban Development (HUD).
Mobile homes built in 1976 or later are required to meet HUD standards and are technically known as manufactured homes. Some companies only insure manufactured homes, and some only insure newer manufactured homes.
It’s generally best to compare quotes from multiple companies when you shop for insurance for a mobile home of any age.
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Which are the best insurance companies for mobile homes?
Based on a combination of customer service ratings, coverage options and price, the following insurance companies are best for mobile and manufactured homes.
- American Family
- Foremost
- State Farm
- Allstate
- Assurant
- American Modern
American Family
0.13
AM Best Financial Strength RatingA
J.D. Power customer satisfaction score842 out of 1,000
Strong customer service ratings from J.D. Power and the National Association of Insurance Commissioners (NAIC).
Easy to bundle with auto insurance for a mutipolicy discount.
Matching siding and hidden leak endorsements provide extra protection that is not widely available from other companies.
Discounts available for newer mobile homes and homes with wifi-connected sensors.
Rates are not always the cheapest.
American Family agents typically only offer American Family insurance products, which makes it difficult to comparison shop.
Foremost
0.47
AM Best Financial Strength RatingA
Agreed-value coverage available for new and old mobile homes.
Replacement cost coverage upgrades available for your home and belongings.
Optional coverage available for water backups, high-value items, earthquakes and floods.
Foremost is part of the Farmers group and offers discounts to Farmers auto insurance customers.
Mobile home insurance packages available for USAA and AARP members.
Rates are not always the cheapest.
Wide range of coverage options can be confusing.
Instant quotes not available online.
Assurant
1.68
AM Best Financial Strength RatingA
Assurant often issues policies on behalf of other insurance companies, including GEICO, Liberty Mutual and Progressive.
Replacement cost coverage available for your home and belongings.
Instant quotes available online.
Quotes for mobile homes built more than 30 years ago are not available online.
Higher number of confirmed complaints than expected for a company of its size.
Allstate
0.74
AM Best Financial Strength RatingA+
J.D. Power customer satisfaction score815 out of 1,000
Strong customer service ratings from J.D. Power and the National Association of Insurance Commissioners (NAIC).
Coverage available for new and old mobile homes.
Respected national brand with a wealth of resources.
Discounts for original owners and retirees aged 55 and up.
Quote requests accepted online.
Customer satisfaction rating from J.D. Power is below the average for home insurance companies.
Allstate agents typically only sell Allstate products, which makes it difficult to comparison shop with one agent.
American Modern
0.71
AM Best Financial Strength RatingA+
Experience ensuing mobile homes for more than half a century.
Insurance available for mobile homes of all ages.
Comprehensive protection guards against all risks not specifically excluded.
Coverage available for seasonal and vacant mobile homes, as well as those operated as rental properties.
American Modern is widely available through independent insurance agents, who can typically provide quotes from multiple companies to help you comparison shop.
Online quotes not available.
Limited details about coverage options and discounts available online.
State Farm
0.35
AM Best Financial Strength RatingA++
J.D. Power customer satisfaction score829 out of 1,000
Strong customer service ratings from J.D. Power and the National Association of Insurance Commissioners (NAIC).
Online and in-person support from the nation's leading home insurer.
State Farm generally gets high marks from leading ratings agencies for customer service.
Generous discounts available for bundling a manufactured home policy with your car insurance.
Newer manufactured homes qualify for discounts.
Older mobile homes, particularly those built before 1976, are generally not accepted.
State Farm agents typically don’t offer mobile home insurance quotes from other companies, which makes it difficult to comparison shop.
Best customer service ratings: American Family
American Family has the best complaint rating among mobile home insurers from the National Association of Insurance Commissioners (NAIC).
American Family’s 0.13 rating on the NAIC Complaint Index in 2022 reflects an extremely low frequency of confirmed complaints, which are complaints that lead to a finding of fault.
A company with a 1.0 Complaint Index rating has the average number of confirmed complaints expected for its size. American Family only had about one-eighth the number of the expected complaints for its size in 2022.
| Company | Complaint Index rating |
|---|---|
| American Family | 0.13 |
| State Farm | 0.35 |
| Foremost | 0.47 |
| American Modern | 0.71 |
| Allstate | 0.74 |
| Assurant | 1.68 |
| Source: National Association of Insurance Commissioners, 2022 data | |
Best for specialized coverage: Foremost
With optional upgrades and liability endorsements for hobby farms and home-based businesses, Foremost is the best choice for specialized coverage for a mobile home.
Standard coverage with Foremost covers your home at an agreed value, which may not cover the full cost of rebuilding. However, the company offers a replacement cost upgrade for additional protection.
Foremost offers motorcycle, boat and RV insurance, too, along with discounts for bundling insurance for these items with a mobile home policy.
Best discounts and savings: Allstate and American Family
Most companies offer discounts for things such as bundling a mobile home policy with your car insurance, but Allstate and American Family offer unique additional ways to save.
Allstate offers discounts to retirees aged 55 and up and to those who are the original owner of their mobile or manufactured home.
American Family offers a discount to those with a new mobile home. Mobile homes of any age get a discount for having smart devices such as a video doorbell and/or a wifi-connected water-leak sensor.
Best for older mobile homes: American Modern and Foremost
While some companies only insure manufactured homes, American Modern and Foremost are among the few that also accept older mobile homes.
The two companies also offer insurance for seasonally occupied mobile homes and mobile homes operated as a rental property, as well as renters insurance to mobile home tenants.
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How to lower your mobile home insurance rates
In addition to comparison shopping for the best price, here are additional ways to lower your costs for mobile home insurance.
Increase your deductible
Choosing a high deductible is an easy way to reduce the cost of insuring your mobile home. Since your deductible is the amount of money that comes out of your pocket after a covered peril damages your home and/or belongings, you don’t want it to be too high.
However, raising your deductible from $1,000 to $2,000, if you can afford to do so, can often knock about 10% off your mobile homeowners insurance bill.
Bundle your policies
Bundling your mobile home insurance with an auto policy or any other insurance you may have is another easy way to reduce your mobile home insurance costs. Ask for quotes that show the combined rates for all the policies you need to bundle when you shop.
Install safety and security features
In addition to protecting your family, home safety and security features can also help you save money on mobile home insurance. Monitored security systems tend to net the largest discounts.
Smart home devices provide the added benefit of helping you avoid costly repairs by detecting minor problems such as water leaks before they cause too much damage.
You may also qualify for a discount by improving your home’s ability to withstand severe weather with tie-downs or other measures.
Review your coverage annually
It’s best to review your mobile home insurance when you receive your renewal notice each year to make sure you still have the right amount of coverage and the best rate.
You can check your policy’s declarations page to make sure the coverage limits match your needs and all the discounts you were promised are still being applied.
You can also contact your insurance agent to find out about any additional discounts and savings opportunities that may not have previously been available to you.
Maintain a good credit score
In most states, your credit score can be used to help determine your insurance rates. Insurance companies tend to focus on the types of credit you use and your payment history.
If it’s been a few years since you’ve last had a late payment or other credit issue, consider getting a fresh batch of insurance quotes. Recent improvements to your credit score may help you qualify for a lower insurance rate for your mobile home.
What does mobile home insurance cover?
A standard mobile home insurance policy offers coverage for the following:
- Your dwelling, or home, is covered for fire, windstorms, falling objects, sudden and accidental releases of water and other perils.
- Other structures on your property, such as a shed, detached garage, fence or other structure not attached to your home are covered for damage from the same perils as your home.
- Your personal property, or belongings, for theft or damage from a covered peril.
- Personal liability covers accidental injuries or property damage you cause to others. The coverage follows you anywhere in the world.
- Guest medical covers the costs of medical treatment for a guest injured while visiting your home, regardless of fault.
A standard mobile home insurance policy covers your home and belongings at actual cash value on a named-peril basis, but most companies offer upgrades to replacement cost and/or open-peril coverage.
Actual cash value vs. replacement cost
The actual cash value of your home and belongings is their value after depreciation. Their replacement cost value is the price of replacing them with comparable new items.
Replacement cost coverage generally costs more, because it requires insurance companies to pay out more in claims.
If you purchased your mobile home with a loan, your lender is likely to require you to insure your home at its replacement value.
If you don’t have a mortgage, you may be able to insure your mobile home at its stated value or an agreed value. Either option reflects an amount that is lower than your home’s replacement value, but potentially more than its actual cash value.
Insuring your home for an amount that is less than its replacement value saves you money on premiums. However, doing so may leave you short on insurance funds to rebuild after a disaster.
Named peril vs. open peril
Named-peril insurance covers your home and belongings from a set of perils specifically listed in your policy, while open-peril insurance protects against any peril not specifically excluded.
Since open-peril insurance provides more protection, it typically costs more.
A standard named-peril policy protects against the most common risks that homeowners face, including fire, extreme wind, hailstorms, falling objects and burst pipes.
However, some companies offer cheaper policies that protect against fewer perils. This is why it’s best to check each quote you receive to make sure they offer enough protection.
In some coastal areas, named- and open-peril policies exclude wind and hail damage. In these areas, standalone windstorm insurance is available separately.
Neither named- nor open-peril insurance covers floods or earth movements such as earthquakes, landslides and sinkholes. Separate insurance is available for each of these risks.
Frequently asked questions about mobile home insurance
The cost of mobile home insurance ranges from $500 to $1,400 a year. The actual rate you receive depends on a variety of factors, including your home's age and value, your location, your credit and your insurance history.
Flood insurance is typically only required if you have a mortgage for a mobile home set in a federally designated flood zone, but it is worth considering in many other situations. Standard mobile home insurance doesn't cover flood damage, and floods can happen in low- and moderate-risk areas.
Homeowners insurance typically covers a traditional home at its replacement value, which is the cost of repairs or rebuilding, with no deduction for depreciation. Mobile home policies often cover homes at lower amounts, although replacement cost upgrades for are available for mobile homes on an optional basis.
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