Best mobile home insurance companies
Although homeowners insurance and mobile home insurance share some similarities, not all property insurance companies offer mobile home insurance in all states. Still, if you have a standard homeowners insurance policy or auto coverage, the best place to start is by contacting your insurer or agent to see if you can bundle policies to earn a discount.
Not all mobile home insurance providers are the same. The best mobile home insurance company for you will depend on several factors, such as your geographic region and the type of coverage you need. Some national insurers, such as USAA and Geico, partner with third-party mobile home insurers to offer more specific coverage. You may also find local insurers if you are looking for coverage in a certain location, such as mobile home insurance in Florida.
These are a few of the most popular mobile home insurers in the U.S.:
- Allstate: Allstate is a national carrier that offers standard mobile home coverage options such as dwelling coverage, personal property protection and other structures coverage. It also offers optional added coverage like water backup and identity theft restoration.
- American Modern: American Modern offers mobile home insurance for different use types (e.g., rental, vacant and seasonal homes) and basic coverage for mobile homeowners. Coverage highlights include comprehensive protection, stated value loss settlement, liability and personal property. American Modern offers multiple options for potential policyholders to adjust their policies based on their needs.
- Assurant: Assurant’s user-friendly quoting tools are available online for a quick manufactured home insurance quote. With Assurant, there is also the option for a stated value loss settlement. Assurant uses several companies to underwrite its policies, including American Bankers Insurance in Florida and American Security Insurance Company.
- Farmers: Farmers is a national property insurer that provides mobile home insurance coverage. Though you cannot get a quote online, which may be an inconvenience, Farmers has a wide variety of additional coverage options that many insurers do not offer.
- Foremost: A super-regional subsidiary of Farmers, Foremost is known for exceptional customer service and minimal customer complaints. You can request a quote over the phone or on the company website, but note that quotes are not instant. Among Foremost’s options is extended replacement cost coverage.
- HomeFirst: With over 20 years of experience insuring manufactured homes, HomeFirst might be a great choice when it comes to the specialized insurance needs of owners of prefabricated homes. Its policies include flood coverage, which is rare. You can request a quote via the company website, and an agent will follow up with you. Like Assurant, HomeFirst does not underwrite its own policies, but partners with several other banking and insurance companies for policy underwriting.
Just as you would when shopping for auto insurance, the best way to find the most affordable mobile home insurance with the best coverage is by shopping around and obtaining quotes from insurers that specialize in writing mobile home policies. The Insurance Information Institute recommends gathering a minimum of three quotes to compare coverage options and costs.
