Find Cheap Mobile Home Insurance Quotes in Your Area

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If you're looking for a mobile home insurance policy, you should balance a variety of considerations when making your purchase, including cost and coverage features. To help you find the right coverage, we've identified the top-rated mobile home insurance companies to help you find the best manufactured home insurance policy for your property.

If you want another option, keep in mind that most of the major homeowners insurance companies will insure manufactured homes. However, there are advantages with companies that specialize in this type of policy.

Best online rate experience: Assurant

Assurant's online form is one of the quickest ways to get a rate estimate for mobile home insurance.
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Insurer details

  • AM Best rating: A (excellent)
  • NAIC complaint index: 0.72-46.46 (varies by subsidiary)
  • Unique value: Policy options include coverage for flood, earthquake and mudslide damage

If you shop for a mobile home insurance policy with major insurance carriers such as Geico, Progressive or Liberty Mutual, you'll be redirected to their partner, Assurant, for a mobile home policy. This is because Assurant is one of the only companies offering an instant mobile home insurance quote online.

Besides being easy to manage online, Assurant's mobile home insurance also includes flood insurance coverage, something almost never included in standard mobile home or homeowners insurance policies. Water backup coverage, however, can be added to a Foremost policy.

On the other hand, Assurant doesn't offer optional coverage in other areas that are quite common, such as trip collision and identity theft coverage.


Best for discounts: American Family Insurance

AmFam provides a variety of different discounts, which can help you lower the cost of insuring your mobile home.
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Insurer details

  • AM Best rating: A (excellent)
  • NAIC complaint index: 0.32-0.65
  • Unique value: Multiple discounts for low-risk homeowners

Read the full review.

Also called AmFam, American Family is one of the top eight home insurers in the country by market share, and its standout characteristic is its breadth of discount options. American Family offers a variety of opportunities to save on your monthly costs, so long as you meet the company's requirements for each discount.

Most of these discounts reduce the cost of coverage for homeowners who represent a lower risk to AmFam's business. For example, a mobile home that is newly built or equipped with smart home safety devices is less likely to experience damage that would result in you filing a claim, so these features can help you qualify for cheaper rates.

If you're looking for ways to lower your insurance bill without compromising on coverage, AmFam is a great option to check out. You can qualify for discounts with American Family if you:

  • Bundle home and auto insurance with AmFam
  • Equip your home with smart devices like Nest or Ring
  • Live in a newer structure or a home you bought in the last three years
  • Use AmFam's autopay, full pay and paperless billing features

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Best for full-value coverage: Foremost

Foremost makes it possible to insure your mobile home above and beyond the policy's coverage limit.
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Insurer details

  • AM Best rating: A (excellent)
  • NAIC complaint index: 0.41-0.57
  • Unique value: Offers extended replacement cost coverage

Read the full review.

Foremost, a subsidiary of Farmers, offers standard and optional coverage features for your mobile home, but its most competitive feature is its extended replacement cost coverage.

This means if you get a mobile home insurance policy with Foremost and your home is totally destroyed, you'll be eligible to be reimbursed up to 20% above the value of your policy limit.

Foremost also stands out for its excellent consumer complaint index, which is around half of that of a typical insurer of its size. While it doesn't offer instant quotes online, Foremost's website does enable you to enter all the details about your mobile home and receive an email quote within 24 hours.


Best for specialized coverage: Allstate

Allstate provides endorsements that may be important if you live in an area with frequent hail or a history of mining.
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Insurer details

  • AM Best rating: A+ (superior)
  • NAIC complaint index: 0.57-0.81
  • Unique value: Coverage for hail and mine subsidence

Read the full review.

If you get mobile home insurance with Allstate, you'll have access to some unique coverage features for mobile homes, not to mention coverage from one of the largest and most financially secure insurers in the country.

Allstate's mobile home insurance policies include some interesting optional coverage features that other insurers don't, such as mine subsidence coverage and property protection for damage to satellite dish antennas. Given this, Allstate could be the best choice if you live in an area vulnerable to mine subsidence or hail, such as Pennsylvania or Texas.

Allstate also has a competitive slate of discounts: Beyond the multipolicy discount offered by most insurers, the company offers discounts to retirees and original titleholders of their mobile or manufactured homes, which can make their policy more affordable.

What is mobile home insurance?

Mobile home insurance — also called manufactured home insurance — provides financial protection in case your mobile home is damaged by certain disasters or accidents. Mobile home insurance covers similar perils as a standard homeowners insurance policy.

What do mobile home insurance policies cover?

When shopping for the best mobile home insurance, you should ensure it has four standard coverage features, which are the foundation of any good mobile home policy:

  1. Dwelling coverage reimburses you for damage to your mobile home caused by a covered peril, such as fire or wind damage, up to your selected policy limit. Some mobile home insurance policies may also cover perils not traditionally covered by homeowners or renters insurance, such as flood damage.
  2. Personal property coverage pays to replace damaged personal belongings on your property. Personal property coverage for mobile homes is usually adjustable but capped at a certain percentage of your dwelling coverage limits.
  3. Liability coverage protects you against costs associated with the legal liability of damaging someone else's property or injuries sustained to guests on your property.
  4. Loss of use coverage pays for living expenses above and beyond your normal spending if your mobile home becomes uninhabitable. This could include both the cost of a hotel stay and the extra fuel you use due to the relocation.

There are a variety of additional coverage features that can be useful in a mobile home insurance policy. Depending on the insurer, these features may come standard or at an additional cost. Trip collision coverage, which reimburses you for damage incurred when transporting your mobile home, may be particularly handy if you plan to relocate frequently.

Optional coverage
What it covers
Available at...
Trip collisionDamage incurred to a mobile home when it's being transported. Coverage may include the initial transport of the mobile home post-construction, subsequent transport or both.All except Assurant
Additional structuresDamage to adjacent or separate structures near your mobile home, like a garage.All top picks
Hobby farm or ranch liabilityThe potential legal exposure of a hobby farm or ranch used near your mobile home, such as someone getting sick from eating your homegrown food.Farmers and Foremost
Replacement cost coverageDamage to your mobile home, personal property or other structures may be covered at replacement cost for an additional fee. This means that your property will be repaired at full value, ignoring depreciation or wear and tear.All top picks
Water backup coverageWater damage resulting from backed-up sewers or drains. As in homeowners insurance policies, this is generally optional additional coverage.Farmers and Foremost
Identity theftThe costs associated with correcting issues caused by identity fraud or theft. This is almost always an optional coverage feature for an additional cost.All except Assurant

What affects mobile home insurance rates

When you're shopping for a mobile home insurance policy, a variety of factors can affect the cost of your policy. While factors that make you and your mobile home less risky tend to lower the price of your policy, factors that increase your risk lead to higher premiums.

What factors affect mobile home insurance rates?

Cost factor
How it works
Coverage limitsHigher limits mean higher premiums — but you should still cover your home up to its full replacement value.
Model yearInsurers typically offer cheaper rates if your mobile home is a newer model. Coverage for a 10-year-old mobile home could cost up to $100 more per year than coverage for a new one.
Recent claimsIf you made recent insurance claims involving covered perils like fire or water damage, an insurer is more likely to charge you a higher rate.
LocationHomes in a mobile home community can get slight discounts. For example, Foremost's coverage for a $50,000 mobile home in Louisiana was 16% cheaper if it was located in a park.
Tied-down homesWithout traditional foundations, mobile homes are more vulnerable to wind damage. Tying down or anchoring your home may get you a cheaper rate.
SkirtingSkirting is the vinyl or brick covering on the bottom of your mobile home that insulates pipes and keeps out animals, which means lower risk and lower insurance rates.

These are only some of the factors your insurer may ask you about when you're applying for a mobile home policy. Different insurers may weigh these considerations differently when calculating your mobile home insurance cost. For this reason, you should always compare mobile home insurance quotes against each other, as no single insurer will be best for every situation.

Frequently asked questions

How much does a mobile home insurance policy cost?

The cost of mobile home insurance will vary based on your property and coverage. From our analysis of an insurer's pricing, we found that rates varied from $1,200 to $1,407 per year depending on the dwelling coverage limits of a policy.

Do you need insurance for a mobile home?

Your mortgage lender or mobile home park may require you to carry insurance. However, mobile home insurance isn't mandated by law.

What are the top mobile home insurance companies in Florida?

The largest mobile home insurance companies in Florida based on policies-in-force are Citizens, Foremost and American Modern.

How can you get cheap mobile home insurance?

To get the best rates, we recommend asking about all potential discounts when comparing quotes from mobile home insurance companies. In addition, make sure you're only paying for the coverage you need and that it's appropriate to your locale. For instance, depending on where you live, adding flood or earthquake coverage may be a sound financial decision.

Methodology

ValuePenguin considered the top insurers available nationally and identified four mobile home insurance companies that offer coverage well-suited to a variety of manufactured home owner profiles. We looked for insurers with good discounts and few restrictions on covered risks.

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.