Apr 7, 2025
Why Trust Us
How We Calculated Homeowners Insurance Ratings
Million Estimates
Gathered
Nationwide Providers
Reviewed
Homeowners
Surveyed
Mobile homes usually require special insurance (not standard homeowners insurance) because of significant structural differences.
We at the MarketWatch Guides team analyzed the top homeowners insurance companies and compared their mobile home insurance policies to help you find the best one for you.
Top Mobile Home Insurance Companies
According to our research, the following are the best mobile home insurance providers:
Foremost, a branch of Farmers Insurance company, was the first insurance company to introduce a specific insurance policy for mobile homes. The insurer provides several other coverages for mobile homeowners. For example, one endorsement covers damage that occurs when you relocate your home.
Homes in an approved mobile home park can qualify for a discount with Foremost. The company also allows you to work with an insurance agent or get an online estimate of policy expenses. After you apply for an online estimate with Foremost, it will email you a price quote within a few business days.
First insurer to offer a policy specifically for mobile homes, making it suitable for specialized coverage
Provides coverages and discounts tailored to mobile homeowners
Allows you to get an online estimate for a policy
Limited number of savings opportunities available
Doesn’t allow you to file a claim through a mobile app
Discounts:
- Age of insured person
- Age of home
- Multi-policy bundling
- Mobile home park
Endorsements:
- Earthquake coverage
- Hobby farm or ranch liability
- Identity fraud expense and management coverage
- Incidental business liability
- Personal injury
- Personal liability coverage on additional residences
- Replacement cost coverage
- Scheduled personal property coverage
- Trip coverage when relocating your home
- Water damage from sewers and drains
Best for Specialized Coverage
American Modern
American Modern offers a lot of flexibility with mobile home insurance coverage. You can purchase coverage whether you live in a rental home, only use your manufactured home occasionally or even if you have one that is vacant. While it doesn’t provide an online estimate, you can get a quote by reaching out to an agent.
American Modern provides a stated value loss settlement in case of total loss. If a natural disaster destroys your mobile home, the company will pay you the value of your home that you mutually agreed to when the policy was written.
Provides flexible coverage for mobile homes
Offers a stated value loss settlement in case of total loss
Limited discounts available
Requires you to work with an agent to obtain a quote
Discounts:
- Approved association membership
- Auto insurance with agent
- Claims-free
- Multi-policy bundling
- Paid in full
- Paperless policy
Endorsements:
- Earthquake
- Enhanced coverage
- Equipment breakdown protection
- Fire department surcharge
- Liability for injuries on the property
- Occasional rental
- Other structures
- Personal liability
- Personal property
- Vacancy permission
- Water overflow and sump pump
J.D. Power Rating
665/1,000
Customer Satisfaction
71%
Claim Approval Time
1-2 Weeks
Allstate offers seniors living in a mobile home savings on premiums. However, eligible policyholders must be older than 55 and retired. Customers can also get a discount regardless of age if they are the original owner of their mobile home.
Besides these discounts, the insurer provides multiple endorsements for comprehensive protection. For instance, you can buy an identity theft restoration add-on to cover legal costs and other related expenses.
Allows qualifying seniors to get a discount on their policy
Lets you save if you’re the original owner of your mobile home
Offers online estimates through a convenient process
Might not provide loss-of-use coverage
Discounts:
- Claim-free discount
- Easy-pay discount
- Loyalty discount
- Multi-policy bundling
- Original mobile home owner
- Protective safety devices
- Seniors (55 years or older and retired)
Endorsements:
- Business-property coverage
- Electronic data recovery
- Green-improvement reimbursement
- Identity theft protection
- Increased coverage for sports equipment or musical instruments
- Personal property protection
- Water-backup coverage
- Yard and garden coverage
J.D. Power Rating
661/1,000
Customer Satisfaction
75%
Claim Approval Time
1-2 Weeks
New mobile homeowners may like State Farm because it offers many helpful website resources that can make it easy to understand how much coverage you need. You can also work with a State Farm agent to learn key policy details. To start the process, enter your ZIP code on the State Farm website.
Vast network of local agents can offer in-person support
Offers fair rental value reimbursement if you lose income while renting a mobile home
Provides many detailed guides on its website for customer assistance
Limited number of discounts available
Doesn’t offer a lot of endorsements
Discounts:
- Home alert systems (such as smoke detectors, fire alarms and home security systems)
- Loyalty
- Model year discounts
Endorsements:
- Earthquake coverage
- Fraud loss and identity restoration coverage
- Personal injury
- Replacement cost coverage
J.D. Power Rating
638/1000
Customer Satisfaction
63.87%
Claim Approval Time
0-6 days
American Family offers detailed online guides on topics related to mobile homeowners insurance. It offers online quotes through a straightforward process, or you can contact a local agent for a price estimate. It also offers a range of both discounts and add-on coverage options.
American Family offers add-ons that are designed specifically for mobile homeowners. These include matching undamaged siding coverage, which pays for matching vinyl or metal siding if only part of your home is damaged in a storm, and hidden water damage coverage, which protects you against water-related issues hidden behind walls, flooring and cabinets.
Provides a straightforward online estimate process
Offers several online resources for customers, including detailed articles and guides
Lets you work with a local agent for a quote
Offers an array of add-on coverages that are helpful to mobile homeowners
Not available in every U.S. state
Discounts:
- Autopay
- Multi-policy bundling
- New home
- Paperless billing
- Pay in full
- Smart-home devices
Endorsements:
- Equipment breakdown
- Hidden water damage
- Diminishing deductible
- Mismatched siding
- Other structures
- Roof damage
- Sewer or septic backup and sump overflow coverage
J.D. Power Rating
676/1,000
Customer Satisfaction
69%
Claim Approval Time
1-2 Weeks
Farmers lets you customize your mobile homeowners insurance policy for comprehensive protection. For example, you can buy protection against floods and earthquakes. However, you must talk to a Farmers agent about your options. The agent will help you understand your coverage needs and the endorsements to buy.
Lets you modify your mobile home policy to include additional coverage against natural disasters
Provides a mobile app for policy management
Limited policy information available on the company’s website
Must contact a Farmers agent for an estimate
Discounts:
- Affinity networks
- Claims-free history
- Home security system
- Multi-policy bundling
- Paperless billing
- Preferred payment
- Rent to own
Endorsements:
- Glass coverage
- Replacement cost coverage for personal property protection
- Identity theft coverage
- Matching of undamaged property coverage
- Valuable-items coverage
- Water backup and sump overflow
Compare the Top Mobile Home Insurers
Use the table below to quickly understand how our top recommended providers compare.
How Much Does Mobile Home Insurance Cost?
The average mobile home insurance policy costs between $750 and $2,400 per year, based on our research. The exact cost of a policy will differ by company. We recommend comparing home insurance quotes from multiple insurers to get the best price.
While every insurer has a specific method to determine rates, each company generally considers the same factors.
- Your location: Your mobile home’s ZIP code affects premiums based on related environmental hazards, such as storm risks and distance to fire stations. For example, mobile homes in Texas, where there’s a high chance of hurricane damage in some parts of the state, cost much more to insure than mobile homes in landlocked Indiana. Location also determines average materials and labor costs for repairs in your area.
- Age: The U.S. Department of Housing and Urban Development enacted the Manufactured Home Construction and Safety Standards in 1976, establishing regulations for manufactured homes. Your insurer may charge more for mobile homes built before 1976 because of older construction regulations. While home insurance policies typically don’t have age restrictions to qualify for coverage, newer manufactured homes may cost less to insure because of a lower risk of repair costs, including updated building codes.
- Claims history: If you filed a homeowners insurance claim within the past five years, your mobile home insurance policy will likely cost more than someone with no claims history.
- Credit score: When you ask for a quote for your mobile home, the insurance company likely will run a credit check on you. Your credit score can affect your rate, with higher scores resulting in lower premiums and vice versa.
- Discounts: Many insurers give discounts to homeowners for having home security systems, smoke alarms, fire alarms, paperless billing, annual billing and more.
- Policy customization: You can often customize your policy to fit your budget, which can lower your premium depending on your selections. This customization can include adjusting your liability coverage limits and deductibles.
What Does Mobile Home Insurance Cover?
Mobile home insurance is similar to a regular homeowners insurance policy, which has dwelling, personal property and liability coverage. Mobile or manufactured home insurance typically has adjusted coverage levels to match the value of the mobile home. However, a standard home insurance policy is not the same as a manufactured home policy. A traditional home insurance policy is formally called an HO-3, whereas a manufactured home is called an HO-7.
Here are those common types of coverage:
- Dwelling coverage: The amount the provider will pay for a mobile home’s structural repairs or replacements. Dwelling coverage is typically equal to a home’s total replacement cost so the policyholder can fully rebuild if a covered peril causes damage.
- Personal property coverage: This is the amount an insurer will pay for your personal belongings, such as furniture, clothes and electronics if damaged, ruined, lost or stolen during a covered event.
- Liability coverage: Liability coverage pays for legal fees and medical costs if someone visiting your mobile home gets injured and you are held responsible.
- Medical payments to others: This helps pay for the medical bills of guests in your home who get injured even when it’s not your responsibility.
- Loss-of-use coverage: This is commonly known as additional living expenses coverage. It covers expenses you incur if your mobile or manufactured home is deemed uninhabitable after a covered peril, such as lodging and food costs. Your provider can help pay these expenses while your home is being repaired or rebuilt.
- Other structures coverage: You can purchase this coverage type if your property has other structures you’d like covered that aren’t connected to your mobile home, such as a fence or shed.
You can access insurance coverage if you experience a range of covered events or perils, such as a fire, snowstorm, severe thunderstorm, burglary or theft. You may also purchase coverage such as identity theft protection and replacement cost coverage, but each company offers a special array of endorsements.
Mobile home insurance, also called an HO-7 policy, won’t usually cover the home while it is in transit. We recommend looking for endorsements to enhance the coverage of your policy or temporary trip insurance if you plan to relocate.
How To Choose a Mobile Home Insurance Company
Mobile homeowners usually have insurance needs that differ from those of traditional home insurance. Mobile homeowners must choose an insurer that provides tailored coverage. We recommend considering:
- Specialized coverage options: Pick an insurer that offers coverage focused on the risks faced by mobile homes, such as issues during transport and susceptibility to wind damage. If you installed tie-downs and anchors, ask if the insurer offers add-on coverages for maintenance and repair.
- Reputation and expertise: It’s important to assess a company’s reputation and expertise in insuring mobile homes. Companies that have experience with these types of homes often offer more comprehensive coverage. Ask friends and fellow mobile homeowners for recommendations. Also, read customer reviews for more insights.
- Policy flexibility and customization: Because needs vary between mobile homeowners, consider insurers that offer coverage flexibility and allow customization. You can then customize your policy to suit your specific situation and get sufficient overall protection.
Is Manufactured Home Insurance Worth It?
Mobile home insurance can be worth it, particularly for its protection against property damage from various events, such as fires, storms, theft and vandalism. It can also provide financial coverage for personal liability and loss of individual items.
If you own your mobile home, you don’t have to buy mobile home insurance, but it still may be helpful. However, if you finance your mobile home, your mortgage lender will likely require you to carry coverage. Some mobile home communities also mandate that residents have insurance in place.
Frequently Asked Questions About Mobile Home Insurance
Here are some commonly asked questions about mobile home insurance:
Manufactured homes are harder to insure because they are usually built with lighter materials, which can become more susceptible to damage over time. These homes might also face added risks during transportation and lack advanced security features. In addition, you might find it challenging to insure your manufactured home if it’s in a rural area or mobile home park prone to natural disasters.
Mobile homeowners can get an HO-7 policy specifically for manufactured homes. It’s similar to an HO-3 policy for homeowners, but tailored to the value of a mobile home.
Several factors can make a mobile home uninsurable. If your mobile home is older and in poor condition, insurers might not cover it unless it meets updated safety and construction standards. A provider can also deem your home risky to insure if you live in an area prone to natural disasters or high crime rates. Other things that affect the insurability include previous claims history and whether the mobile home has a solid foundation.
Your mobile home may not be too old to qualify for coverage, but coverage might be more expensive for older mobile homes because of a higher risk of needed repairs and outdated building codes.
An insurance company can deny you a policy if your property is in poor condition, located in a risky location or if you have a long claims history. If you get rejected by an insurer, remember that you can ask why. That way, you can address the issue more directly.
Methodology: Our System for Ranking the Best Home Insurance Companies
Our team researches and reviews home insurance providers based on a scoring system that assesses and compares each company’s quality and service. We surveyed thousands of homeowners nationwide to determine the factors most important to buyers when shopping for coverage, and to gather insights into top insurance providers. Our review also includes industry research into local insurance markets, comparing coverage options and pricing estimates, and reading customer reviews on platforms such as the Better Business Bureau and Trustpilot.
After reviewing each provider, we calculate a score based on a 100-point scale, which we then convert to a five-star rating. Here are the factors we consider when scoring providers:
- Coverage (30%): We analyze each provider’s standard home insurance policy, noting those offering more comprehensive coverage, and compare optional policy endorsements to determine overall quality.
- Cost (30%): Our team obtained cost data from Quadrant Information Services, which we compare across home insurance companies to assess pricing. We also consider each provider’s available discounts when determining its overall cost of coverage.
- Customer Experience (20%): We evaluate each company’s customer service options, such as having a live chat, customer support phone line, and multiple channels for filing claims and requesting quotes. Similarly, we score providers based on digital resources, such as a mobile app or online customer portal. Companies with quality customer service offer 24/7 availability, useful digital tools and quick claims filing.
- Industry Standing (20%): We gauge reputation by evaluating consumer reviews and third-party financial strength and customer experience ratings, including J.D. Power 2024 U.S. Home Insurance Study surveys, AM Best ratings and scores on customer review aggregators such as the BBB.
Providers that offer competitive pricing, extensive discount options, endorsements, customizable coverage and unique features scored significantly higher than those without such features, helping us to create our list of the best homeowners insurance companies. Learn more about our rating process by reading our full home insurance methodology.
*Data accurate at time of publication
**AM Best ratings accurate as of March 2025
