Best Mobile Home Insurance Companies of 2020

Mobile home with lush landscaping. iStock

Read our review of the best mobile home insurance companies and find the policy that’s right for you.

Mobile home insurance offers liability, loss of use, medical payments, dwelling, other structures, and personal property coverage. Because mobile homes are built in a factory and transported to a location, factors like the use of lighter building materials and the damage potential during transportation, play a role in how much a mobile home policy costs.

To find the best mobile home insurance policy, you can’t rely on companies known for their standard homeowners insurance policies—that’s why the This Old House Reviews team created this guide to help you find the best home insurance provider that has tailored its policy to a mobile homeowner’s experience.

Best Mobile Home Insurance Companies

To determine which providers would best protect a mobile home, we looked at homeowners insurance companies that offer policies tailored to mobile homeowners.

1. Foremost: Most Customizable Coverage

A Foremost manufactured home insurance policy looks similar to a standard homeowners insurance policy with dwelling, other structures, liability, and personal property coverage. However, Foremost understands that a mobile home isn’t like a stick-built home, so the company offers more than 15 endorsements to ensure that your policy matches the unique needs of your home.

For ultimate customization, here’s a list of Foremost add-ons:

  • Additional living expenses
  • Trees, shrubs, plants, and lawns
  • Debris removal
  • Emergency removal service and emergency repair
  • Credit card and check forgery
  • Fire department service
  • Food spoilage coverage
  • Hobby farm or ranch liability
  • Identity fraud expense and management
  • Incidental business liability
  • Personal injury
  • Water damage from sewers and drains
  • Earthquake coverage
  • Trip coverage when moving your home
  • Personal liability coverage on additional residences
  • Scheduled personal property coverage
  • Replacement cost coverage

2. Allstate: Best Discounts

Allstate makes a mobile home policy affordable by offering nine discounts. Some of the unique discounts include ones for being a new homebuyer, being retired, and signing up for a policy before your previous one expires.

Like Foremost, you can customize your policy with these optional coverages:

  • Identity theft restoration
  • Water backup
  • Scheduled personal property
  • Business property
  • Sports equipment
  • Green improvement reimbursement
  • Yard and garden
  • Electronic data recovery
  • Musical instruments

3. American Family: Best Customer Service

While American Family only services 19 states, it offers a more personalized customer service experience for customers. You have access to customer service representatives 24/7 for any insurance questions, and if you prefer self-service, you can use your customer portal or the MyAmFam mobile app.

Here’s a list of the endorsements you can add onto your mobile home policy from American Family:

  • Hidden water damage
  • Matching siding
  • Trip collision
  • Other structures

Mobile Home Insurance Coverage

Mobile home insurance is an HO-7 policy, which is a named-peril policy that only protects you from the events listed as covered. Commonly covered events include:

  • Fire and lightning
  • Windstorms and hail
  • Theft and vandalism
  • Explosions
  • Riots and commotions

Similar to regular home insurance, you can expect six types of coverage in your mobile home insurance policy. These areas will either be in your base policy or available as an endorsement:

  • Dwelling—This type of protection covers the cost of rebuilding your mobile home as if it were new. Most insurance companies will give you an estimate when you answer questions about your home, but to get the most accurate rebuilding cost, talk to a local appraiser.
  • Other structures—This covers detached structures on your property, like a shed or fence.
  • Personal property—If an event destroys your personal belongings, your insurance provider will cover the cost of replacing them. Most mobile home insurance policies will be actual cash value (ACV), which means you’ll receive enough money to replace the items based on their depreciated value. You can usually buy an endorsement for replacement cost coverage, which replaces your items with new ones.
  • Additional living expenses—If your home becomes temporarily inhabitable due to repairs, your policy covers living expenses, like the cost of a hotel room or meals.
  • Liability—If you cause bodily injury or property damage to someone or their belongings, your policy will cover the medical bills or replacement costs. It will also cover legal fees if you’re sued.
  • Medical payments to others—If a guest is injured in your home, your insurance company will cover a certain amount of their medical bills.

How Much Does a Mobile Home Insurance Policy Cost?

According to Trusted Choice, a group of independent insurance agents, a mobile home insurance policy costs about $300 to $1,000 per year. Here are a few factors that may affect that price:

  • The year your house was built—Mobile homes built before 1976 didn’t have building standards, so insurance companies consider them riskier to insure.
  • Size of your mobile home—The larger your mobile home, the higher your premium will be.
  • Claims history—If you have a history of filing a lot of claims for your mobile home, your premium will increase.
  • Susceptibility to natural disasters—Since mobile homes are more susceptible to damage from extreme weather, you’ll pay more if you live in an area that’s prone to natural disasters.

Factors to Consider Before Buying Mobile Home Insurance

Use these factors to help you in your search for a mobile home insurance policy:

  • Budget—Determining how much you can afford to spend each month on a policy will limit what companies you can buy from and what types of endorsements you can add onto a base policy.
  • Travel protection—If you want protection for your mobile home during transit, you can usually purchase travel protection. Both Foremost and American Family offer endorsements for this type of coverage.
  • Lender requirements—If you received a loan from a bank to purchase your home, they may have home insurance requirements. Touch base with your lender before buying a policy to ensure you meet their requirements.
  • Safety features—Mobile homes are more prone to extreme weather, theft, and fire. To minimize the amount of damage an event could cause, and to lower your premium, consider investing in safety features like smoke detectors, home security systems, and fire extinguishers.

Compare Mobile Home Insurance Companies

If you’re not sure which mobile home insurance policy is best for you, compare the providers below.

Our Conclusion

If you’re looking for mobile home insurance coverage, consider policies from Foremost, Allstate, and American Family. We recommend getting quotes from all three of these providers so that you can compare coverage and cost.

Frequently Asked Questions About Mobile Home Insurance

Can you insure an older mobile home?

Yes. You can insure a mobile home regardless of its age. However, mobile homes built before 1976 don’t have building standards, so the home may have been poorly constructed with materials that make it more susceptible to damage. Insurance companies consider these homes risky to insure and will either deny you coverage or charge you more for a policy.

What’s the difference between mobile home insurance and modular home insurance?

Mobile home insurance covers homes that were built off-site and transferred to the landing site, whereas modular home insurance covers modular homes that are constructed on-site onto a foundation like a traditional home.

Is mobile home insurance required?

Mobile home coverage is not required by law, however, the lending institution you got a loan from to purchase the mobile home and the mobile home park where you live may require home insurance.

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