Best Mobile Home Insurance 2021

How Much Coverage You Need and Where to Get It

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Mobile or manufactured homes are fabricated in a factory and then delivered and placed at their final location, unlike homes that are built on-site. Since their quality, features, and style can vary significantly, it can be challenging to choose the right kind of mobile or manufactured home insurance for your needs. To help, we’ve reviewed the options and narrowed down this list of the best mobile home insurance companies based on factors like availability, financial stability, and coverage options.

Best Mobile Home Insurance

Best Mobile Home Insurance 2021
Best Mobile Home Insurance 2021

Best Overall : Foremost


Foremost

 Foremost

Foremost is a specialty insurer and has been insuring mobile homes in the U.S. since 1952. The company insures all types of mobile homes, old and new, and writes policies in states where many other insurers do not, such as Florida. Foremost also partners with AARP and USAA to offer mobile home insurance to members of those organizations.

In addition, Foremost has an AM Best Financial Strength Rating of A (Excellent), meaning it has an excellent ability to meet its future insurance obligations, like paying out claims. For these reasons, Foremost is our pick for the best-overall mobile home insurer.  

Types of Coverage

Foremost insures a wide variety of types of manufactured homes, including rental mobile homes, park models, and commercial mobile homes. It offers all the standard coverages, and although coverage options vary by state, highlights include:

  • Agreed loss settlement (full amount of insurance stated on the policy, not a depreciated value)
  • Coverage may include other structures on the property
  • Comprehensive coverage (including damage by stray or wild animals, weight of snow and ice, hail and wind, and burst pipes) 
  • Spoiled food coverage
  • Additional living expenses

Optional extras include:

  • Replacement cost, with up to 20% more coverage than your insured value if the cost of repairs is more than expected
  • Replacement cost for other structures and personal belongings
  • Business liability
  • Scheduled personal property
  • Water damage from sewers and drains
  • Earthquake coverage
  • Trip coverage (if you’re moving your home)

Estimated Cost of Foremost Mobile Home Insurance

The cost of mobile home insurance with Foremost depends on factors like:

  • The size of your home (single, double, or multiple width)
  • The type of coverages you select
  • The age of your home
  • Location
  • Any special features 
  • Your credit history 

You can get a quote with Foremost by searching for an agent on their website, or by calling 888-244-8092. AARP Members and USAA Members can request quotes from Foremost through these organizations, and may receive special rates.

What We Like
  • Many optional extras available

  • Excellent financial strength rating

  • AARP and USAA members may receive preferential rates

What We Don't Like
  • Not available in Hawaii and Washington, D.C.

Best Overall, Runner-Up : American Modern


American Modern

 American Modern

American Modern is a specialist in mobile home insurance. The company provides comprehensive coverage for mobile homes occupied as primary residences, and also insures rental, seasonal, and vacant mobile homes. It also offers renters insurance for mobile homes. The company has been providing products to mobile homeowners since 1965; at one time, it even manufactured the first double-wide builders. AM Best gave American Modern a financial strength rating of A+ (Superior).

Types of Coverage

American Modern’s standard mobile home coverage includes:

  • Dwelling coverage (for all risks unless specifically excluded)
  • Total loss claims paid at stated value, without depreciation
  • Partial loss claims paid at actual cash value
  • Personal property insured for actual cash value (depreciated value) 
  • Additional living expenses
  • Additional structures coverage 

Optional coverages with American Modern include:

  • Increased limits for additional living expenses
  • Option to upgrade a partial loss claim to replacement cost 
  • Breakdown protection to cover repairs of major appliances, HVAC systems, and electronics
  • Earthquake coverage

How to Get American Modern Mobile Home Insurance

American Modern does not offer online quotes; you’ll have to contact an agent through the website or by calling (866) 884-6167. Once you have a policy, the company offers online policy and billing management as well as a few payment options. You can pay for your policy in full or on monthly installments by credit card or bank account.

What We Like
  • All-risk coverage

  • Insures vacation homes, rentals, and vacant mobile homes

  • Offers builder’s risk coverage

  • Total loss claims are paid at insured value, with no depreciation

What We Don't Like
  • Personal property claims are paid at actual cash value (depreciated value)

  • No online quotes available

Best for Coverage Options : Assurant


Assurant

 Assurant

Established in 1938, Assurant provides mobile home insurance through some insurance partners, including GEICO and Liberty Mutual, as well as through independent insurance agents.

Since the mobile home policy is serviced by Assurant, we’ve focused on its details in this section. Assurant has an AM Best Financial Strength Rating of A (Excellent).

The best way to purchase Assurant’s coverage depends whether you have other insurance, such as auto, through one of these companies. For example, if you have GEICO car insurance, ask an agent whether you could receive a multi-policy discount if you also buy Assurant mobile home insurance through GEICO. 

Types of Coverage

Depending on your state, an Assurant policy may include:  

  • Comprehensive, all-risk coverage that includes earthquakes, hurricanes, and floods
  • Coverage for unattached structures (such as a fence or tool shed)
  • Personal property coverage at replacement value, without depreciation
  • Dwelling replacement cost coverage
  • Loss of use after a covered loss

Assurant also allows you to customize coverage, so if you don’t need a particular aspect of the standard policy, like other coverage for other structures, you can remove it to save money. You can also add coverage for your home while you’re in transit. 

How to Get Assurant Mobile Home Insurance

You can call the Assurant sales department directly at 866-404-9098, or you can request a quote through another insurer, like GEICO or Liberty Mutual.

If Assurant doesn’t offer coverage where you live, a larger company such as GEICO may be able to connect you to a different mobile home insurer.

Best for Original Owners : Allstate


Allstate

 Allstate

Allstate offers basic mobile home insurance coverage with a good selection of discounts, especially if you are over 55 and retired or the original owner of the home. However, you must call an agent to purchase, but quotes are available online.

Allstate is rated A+ (Superior) for financial stability by AM Best. It was ranked #6 out of 22 insurers on J.D. Power’s 2020 Home Insurance Study, and #7 out of 19 companies on the 2020 Property Claims Satisfaction Study.

Types of Coverage

Allstate mobile home coverage includes:

  • Dwelling coverage
  • Personal property coverage 
  • Other structures coverage
  • Personal liability
  • Guest medical protection

Ask if there is replacement cost or stated value coverage available for an additional cost. Before you buy a policy, you’ll want to understand how Allstate’s claims settlement works for your dwelling and personal property. 

Depending on your location, Allstate optional coverages may include:

  • Water backup
  • Scheduled personal property
  • Business property
  • Identity theft restoration

How to Get Allstate Mobile Home Insurance

Allstate offers quotes online, but you’ll need to speak to an agent to find finalize your policy details and purchase.

But Allstate offers a few discounts for mobile or manufactured home insurance, including discounts for original owners (up to 5%), multi-policy discounts (up to 15%), protective devices (up to 15%), and being over 55 and retired (up to 10%). Not many other insurers on our list promoted or listed discounts, so these options could help reduce your mobile home insurance costs. 


Allstate offers a great tool to help you understand the potential risks in your area, which can help you decide what coverage you need (like water damage). When you add a location in Allstate GoodHome, the tool provides information about the average cost of claims in the neighborhood, weather risks, most common causes of claims, cost of annual energy, and how to save money.

What We Like
  • Above-average J.D. Power rating for customer satisfaction

  • Good discounts for owners aged 55+ and those with multiple Allstate insurance policies

What We Don't Like
  • Must buy through an agent

  • Coverage may not be available in every state

Best for Smart Homes : American Family


American Family

 American Family

American Family offers mobile and manufactured home insurance in 19 states. It has a wide range of discounts, and offers a unique partnership that can help you improve your home’s safety and security while earning a smart home discount.

American Family Insurance has an A (Excellent) financial stability rating from AM Best. It finished #10 out of 22 insurers on the J.D. Power 2020 Home Insurance Customer Satisfaction Study, although it was ranked #8 out of 19 insurers on the Property Claims Satisfaction Study.

Types of Coverage

American Family’s basic mobile home insurance coverage includes the structure itself, your personal belongings, and liability. Other optional coverage may include: 

  • Other structures coverage
  • Trip collision
  • Coverage for hidden water damage
  • Matching siding endorsement
  • Diminishing deductible 

Estimated Cost of American Family Mobile Home Insurance

American Family doesn’t offer quotes online, but bases its premiums for manufactured home insurance on your home’s total value, age, construction materials, and more. You can fill in a form to request a quote and an agent will email you. 

The company offers a variety of discounts to help you save on premiums. Bundling discounts could help you save up to 29% on your car and 20% on your home. Other American Family manufactured home insurance discounts include those for newer mobile homes, autopay, and paperless policies. The smart home discount includes typical devices found in most mobile homes such as smoke detectors. However, American Family also partners with Frontpoint to help homeowners design their own safety system, including a video doorbell camera or a smart lock, and earn a discount along the way.

What We Like
  • Wide range of discounts

  • Discount and support for smart home technology

  • Matching siding endorsement is a nice option

What We Don't Like
  • Only offers coverage in 19 states

  • No instant online quotes

Compare Providers

Best Mobile Home Insurance
Insurance Company Why We Picked It
Foremost Best Overall
American Modern Runner-up, Best Overall
Assurant Best Coverage Options
Allstate Best for Original Owners
American Family Best for Smart Homes

FAQs

What Is Mobile Home Insurance?

Mobile home insurance is coverage specifically designed to insure a mobile or manufactured home. Mobile or manufactured homes do not have foundations, and they are portable, so they require different insurance coverage than a standard fixed home.

Do I Need Mobile Home Insurance?

If you own your home and land outright, you may not be legally required to have mobile home insurance. However, there are a few good reasons to have it:

  • Mobile home insurance will help protect your investment and your financial stability by helping pay for accidental damage. That means you won’t have to cover the replacement costs by yourself or lose your investment in your home if it’s damaged or destroyed by a fire or other major loss.
  • Mobile home insurance may be required if you have financing or a loan for your property.
  • You may need liability coverage for your mobile home if you keep it on a property that requires it, such as in a park or other community. 

What Coverage Does Mobile Home Insurance Provide?

Mobile home insurance provides many of the basic coverages of a homeowners policy, such as coverage for the structure itself and your personal belongings. 

Mobile home insurance provides coverage on a named perils basis (sometimes referred to as broad coverage) or a comprehensive all-risk basis. The named perils, or “perils,” basis is common, and it only insures you against the risks or causes of loss that the insurance company specifically states in the policy. 

Always ask what is covered, and what is not. If you are offered a perils policy, ask if there’s an option to have more coverage or to switch to an all-risk policy instead.

What About Homeowners Insurance?

Mobile homes require their own type of home insurance. A standard homeowners policy will not cover a mobile home because the risks involved in these two types of homes are different. 

The materials used for a standard home are not always the same as those used to build a mobile home. Mobile homes are made with materials that are lighter and meant to be transported. Because of the way these homes are built, they are susceptible to different risks than traditionally built homes. 

For example, a mobile home is at a higher risk of being blown down or damaged by severe weather than a home that is secured by a standard foundation. Mobile home insurance policies are specialized to address the needs of a mobile or manufactured homeowner.

Are There Gaps in Mobile Home Insurance?

One key difference in a mobile or manufactured home vs. a standard home insurance policy is that you may need coverage during transportation. A standard home insurance policy doesn't cover moving a mobile home from one place to another. Standard car insurance doesn't cover a mobile home while it is being towed to the new location, either. Transportation coverage will likely be provided through a commercial policy from the manufacturer, but your insurer may also offer an endorsement. Either way, it’s best to ask questions and check the fine print before making plans to move your mobile home.

How to Buy Mobile Home Insurance

When looking for mobile home insurance, it’s a good idea to go with an insurance company that specializes in mobile home insurance. Many insurance companies and insurance agents are specialists themselves, or have access to specialized insurers for mobile homes. For example, several larger insurers like GEICO and Progressive partner with Assurant to offer mobile home insurance, since it’s a leader in the industry. 

Methodology

We researched the top insurers for home insurance in the U.S., as well as specialty mobile home insurance providers, and considered coverage, policy options, price, and financial strength. Where available, we looked into rankings on independent consumer surveys like the J.D. Power 2020 U.S. Home Insurance Study and the J.D. Power 2020 U.S. Property Claims Satisfaction Study.