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Aug 23, 2025
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Although mobile or manufactured homes are often smaller than stick-built homes, the major systems and appliances can be just as expensive to repair or replace. A home warranty can offer protection against breakdowns caused by normal wear and tear. In this article, the MarketWatch Guides team reviews the best home warranty companies for mobile homes.
Our Top Pick
Best value for coverage
Most Experienced
Best for add-ons
$200 Off + 2 Months Free + Roof Leak Protection
Best for budget shoppers
40% Off Home Warranty Plans
Compare the Best Home Warranties for Mobile Homes
Below is a table comparing our picks for the best home warranty providers for mobile homes. We’ve also included specific awards we gave each company after an industrywide review.
**A service fee is a one-time payment typically between $50 and $125, with some companies charging as much as $150. This fee applies when you file a claim and is typically paid directly to your service contractor.
Top 4 Best Home Warranty Companies for Mobile Homes
Review our top four picks for home warranties for mobile homes or manufactured homes:
Note: All pricing information in this article comes from sample quotes we received for a 1,800-square-foot mobile home in Columbia, S.C. Your quote may be different depending on the location of your home, your home’s square footage and your coverage selections.
What Does a Mobile Home Warranty Cover?
Most mobile home warranties include coverage comparable to home warranty policies for traditional single-family homes built on site, based on our research. Some of the most common coverages in mobile home warranties include the following:
- Plumbing system: Most home warranty plans cover components of your home’s plumbing system and stoppages that occur within the plumbing lines. Home warranties often cover plumbing lines within 100 feet of the home’s foundation.
- Electrical system: Your policy’s coverage also extends to the wiring and other components of your electrical system.
- HVAC systems: Almost every home warranty policy includes comprehensive coverage for your heating system. Most home warranty coverage for HVACs also includes your home’s central cooling system, if you have one.
- Kitchen appliances: Beyond systems coverage, a home warranty can include common kitchen appliances including dishwashers or built-in microwaves. While some companies offer appliance-only plans, others combine protection for home systems and appliances in a comprehensive plan.
- Washer and dryer: In addition to kitchen appliances, most providers extend appliance coverage to a washing machine and a dryer.
It’s important to note that not every home warranty provider covers mobile homes. Before you purchase a policy, we recommend reviewing a sample contract to confirm what’s included and ensure that the policy won’t exclude a manufactured home or mobile home. Some plans for systems, for example, may only apply to stick-built homes as opposed to pre-fabricated or manufactured homes.
Top Mobile Home Warranties Reviewed
Below, we’ve reviewed the top mobile home warranties in greater depth, showing you average costs, details about each company’s plans and more.
2025 Survey Customer Satisfaction Rate
72%
Choice Home Warranty offers a basic plan as well as a total plan with all covered items having a $3,000 limit. They also offer nine additional add-on options with most offering coverage limits of $500. Choice Home Warranty is available in 48 states and warranty service is available 24 hours a day, seven days per week.
Mobile Home Highlights:
- Emergency and weekend services: Choice can help you out of a jam if an appliance or home system breaks down from normal use on a Saturday.
- High coverage limits: Every covered item is covered up to $3,000 with a competitively priced premium among other providers.
Choice Home Warranty has two plans for homeowners:
- Basic Plan: Covers the heating system, electrical system, plumbing system, plumbing stoppage, water heater, whirlpool bathtub, oven/range/stove, cooktop, dishwasher, built-in microwave, garbage disposal, ductwork, garage door opener and ceiling and exhaust fans
- Total Plan: Covers everything listed under the basic plan plus the air conditioning system, refrigerator and washer and dryer units
You can also upgrade your coverage with any of the following add-ons:
- Pool/Spa
- Central Vacuum
- Second Refrigerator
- Well Pump
- Limited Roof Leak
- Stand Alone Freezer
- Sump Pump
- Septic System
- Septic Tank Pumping
2025 Survey Customer Satisfaction Rate
74%
Liberty Home Guard is among the newer companies in the home warranty industry. However, it has quickly become a well-known option thanks to its extensive selection of add-ons as well as an accessible customer service experience facilitated through a live-chat feature on the company’s website.
Mobile Home Warranty Highlights:
- Accessible customer service: Liberty Home Guard customers can file a claim or reach a customer service representative over the phone or online 24/7.
- Wide variety of add-ons: It’s easy to protect any component of your mobile home with one or more of Liberty’s 38 add-on protection options.
Liberty Home Guard offers three standard plan options for mobile home warranty shoppers: Appliance Guard, Systems Guard and Total Home Guard. Appliance Guard covers items like laundry machines and cooktops. Systems Guard covers built-in systems such as water heaters or electrical and plumbing systems. Total Home Guard combines coverage from both plans.
| Coverage | Appliance Guard | Systems Guard | Total Home Guard |
|---|---|---|---|
| Air Conditioning | – | ✓ | ✓ |
| Heating | – | ✓ | ✓ |
| Ductwork | – | ✓ | ✓ |
| Plumbing | – | ✓ | ✓ |
| Electrical | – | ✓ | ✓ |
| Water Heater | – | ✓ | ✓ |
| Clothes Washer | ✓ | – | ✓ |
| Clothes Dryer | ✓ | – | ✓ |
| Refrigerator | ✓ | – | ✓ |
| Built-in Microwave Oven | ✓ | – | ✓ |
| Dishwasher | ✓ | – | ✓ |
| Garbage Disposal | ✓ | – | ✓ |
| Range/Oven/Cooktop | ✓ | – | ✓ |
| Ceiling and Exhaust Fans | ✓ | – | ✓ |
| Garage Door Openers | ✓ | – | ✓ |
Liberty Home Guard’s suite of add-on options includes the following:
- Additional spa
- Carpet cleaning
- Casita guest unit
- Central vacuum
- Ejector pump
- Electronics protection
- Freestanding ice maker
- Generator
- Grinder pump
- Gutter cleaning
- In-fridge ice maker
- Instant hot water dispenser
- Lawn sprinkler system
- Lighting fixtures
- Limited roof leak
- Pest control
- Plumbing fixtures
- Pool and spa
- Pro-series clothes dryer
- Pro-series dishwasher coverage
- Pro-series microwave
- Pro-series range/oven/cooktop coverage
- Pro-series refrigerator coverage
- Pro-series washing machines
- Re-keying services
- Reverse osmosis water filter system
- Saltwater pool
- Second refrigerator
- Septic system pumping
- Stand-alone freezer
- Sump pump
- Swamp cooler
- Trash compactor
- Water dispenser water line
- Water softener
- Well pump
- Window washing/cleaning
- Wine cooler/fridge
Note: As of April 2025, Liberty Home Guard is under review by the BBB for complaints related to its claims process, customer service and sales tactics. At the time of this review’s publication, the company does not hold a rating with the BBB. The company provided our team with the following statement regarding its lack of a rating:
“Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale,” said David Moreno and Ben Joseph, co-CEOs and co-founders of Liberty Home Guard. “Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low, fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”
2025 Survey Customer Satisfaction Rate
77%
American Home Shield is a veteran of the home warranty industry. AHS has been in business for over 50 years. In fact, the company has been in business longer than any other provider on this list.
Offering comprehensive plans, high coverage caps and flexible service fees, AHS is a competitive option for many mobile homeowners who are shopping for home warranty coverage. The company treats mobile homes and manufactured homes as standard single-family homes smaller than 5,000 square feet.
Mobile Home Highlights:
- Rare coverages: AHS covers items that have been improperly installed or modified, which can give mobile homeowners peace of mind.
- No coverage caps on built-in systems: For built-in home systems, the company won’t cap the total amount you can file claims for in a given year.
AHS offers three plans: ShieldSilver, ShieldGold and ShieldPlatinum. ShieldSilver covers built-in systems; including your air conditioning, heating unit and interior electrical wiring. ShieldGold includes those items while also covering major home appliances, such as your refrigerator, oven and dishwasher. ShieldPlatinum includes all the items in the ShieldGold plan and covers roof-leak repairs.
| Coverage | ShieldSilver | ShieldGold | ShieldPlatinum |
|---|---|---|---|
| Air Conditioner | ✓ | ✓ | ✓ |
| Heating Unit | ✓ | ✓ | ✓ |
| Ductwork | ✓ | ✓ | ✓ |
| Built-in Exhaust, Vent and Attic Fans | ✓ | ✓ | ✓ |
| Main Breaker and Fuse Panel Box | ✓ | ✓ | ✓ |
| Doorbells and Chimes | ✓ | ✓ | ✓ |
| Interior Electrical Lines | ✓ | ✓ | ✓ |
| Ceiling Fans | ✓ | ✓ | ✓ |
| Garage Door Opener | ✓ | ✓ | ✓ |
| Interior Plumbing Lines | ✓ | ✓ | ✓ |
| Toilets | ✓ | ✓ | ✓ |
| Faucets and Valves | ✓ | ✓ | ✓ |
| Whirlpool Tub Motor and Components | ✓ | ✓ | ✓ |
| Water Heater | ✓ | ✓ | ✓ |
| Refrigerator | – | ✓ | ✓ |
| Range/Cooktop | – | ✓ | ✓ |
| Oven | – | ✓ | ✓ |
| Dishwasher | – | ✓ | ✓ |
| Built-in Microwave Oven | – | ✓ | ✓ |
| Garbage Disposal | – | ✓ | ✓ |
| Instant Hot/Cold Water Dispenser | – | ✓ | ✓ |
| Washer | – | ✓ | ✓ |
| Dryer | – | ✓ | ✓ |
| Roof-Leak Repairs | – | – | ✓ |
AHS policyholders can also add extra coverage for the following:
- Electronics Protection Plan
- Guest unit up to 750 square feet
- Pool or spa
- Septic pump
- Well pump
2025 Survey Customer Satisfaction Rate
62%
Select Home Warranty is our pick for home warranty customers who want coverage for mobile home systems and appliances at affordable rates. All of the provider’s plans are available for less than $50 per month and include limited roof-leak protection.
Mobile Home Highlights:
- Roof leak protection: All Select home warranty plans include roof leak protection up to $400.
- Affordable plans: Select offers the most affordable plans of any company on this list, with an overall average cost below $50 per month.
As with other providers on this list, Select offers three tiers of coverage: Bronze Care, Gold Care and Platinum Care. Bronze Care covers appliances, such as your range, garbage disposal or built-in microwave. Gold Care covers built-in systems like plumbing and heating. With Platinum Care, Select combines coverage found on the lower tier plans and adds coverage for garage door openers and plumbing stoppages.
| Coverage | Bronze Care | Gold Care | Platinum Care |
|---|---|---|---|
| Air Conditioner | – | ✓ | ✓ |
| Heating System | – | ✓ | ✓ |
| Plumbing System | – | ✓ | ✓ |
| Electrical System | – | ✓ | ✓ |
| Water Heater | – | ✓ | ✓ |
| Ductwork | – | ✓ | ✓ |
| Washer | ✓ | – | ✓ |
| Dryer | ✓ | – | ✓ |
| Refrigerator | ✓ | – | ✓ |
| Stove/Oven | ✓ | – | ✓ |
| Cooktop | ✓ | – | ✓ |
| Dishwasher | ✓ | – | ✓ |
| Garbage Disposal | ✓ | – | ✓ |
| Built-in Microwave | ✓ | – | ✓ |
| Garage Door Opener | – | – | ✓ |
| Plumbing Stoppages | – | – | ✓ |
You can choose additional coverage for any of the following items through Select:
- Central vacuum
- Lawn sprinkler system
- Pool
- Septic system
- Spa
- Stand-alone freezer
- Sump pump
- Well pump
Commonly Covered Items
Below is a list of the most common household systems, appliances, and related components that are typically included on home warranty coverage plans:
| Household Item | Commonly Covered Components |
|---|---|
| HVAC System | Main control board, thermostats, motors, casings, drain lines and ductwork |
| Plumbing System | Water lines, faucets, toilets, drain lines, stoppages and blocks (with limitations on the location and cause) |
| Electrical System | Wiring, electrical panel, breaker box, outlets and switches and disconnection switches |
| Refrigerator | Compressor, condenser, evaporator, thermostat, defrost system and interior components (like pumps and fans) |
| Clothes Washer | Motor, agitator, transmission, timer and water pump |
| Dishwasher | Motor, pump, heating elements, door latch and switches and electrical elements and wiring |
You can review your specific policy to learn more about what your home warranty may exclude from coverage and which particular components are covered.
How Much Does a Mobile Home Warranty Cost?
Most home warranty providers offer coverage for mobile homes using the same types of policies applicable to stick-built, single-family properties. Our team’s nationwide review of home warranty providers found that the average cost of a home warranty is about $54 per month, with average service fees ranging from $75 to $125. Based on our cost data research, these rates are consistent for mobile homes as well.
To get the most accurate home warranty cost data, we used an API (application software interface) to comb through pricing information and gather quotes directly from provider websites.
Home Warranty Annual Cost Calculator
We developed a calculator to help you analyze the anticipated annual expenses associated with owning a home warranty. To determine your projected annual cost, simply input your monthly premium, service call fee and estimated number of claims. We recommend getting quotes from our top providers directly, as prices vary by plan, location and home size.
Home Warranty Cost Calculator
Your Annual Cost Estimate
The results are estimates based on the information you provide and may not reflect the actual pricing of your quote.
To determine home warranty costs, MarketWatch Guides mystery shopped quotes for each plan type from 28 different home warranty providers. The results are estimates based on the information you provide and may not reflect the actual pricing of your quote.
Best Home Warranty Companies by State
Didn’t find the perfect mobile home warranty? Click here to search for the best home warranty company in your state.
Best Home Warranty by State
Is a Mobile Home Warranty Worth It?
If you don’t have an emergency fund to cover expensive and unexpected repairs, a mobile home warranty may be worth it. To find the best mobile home warranty, we recommend requesting quotes from several home warranty providers so you can compare plans and prices. We also recommend speaking to a customer service representative to discuss your options before committing to a plan.
Best Mobile Home Warranty: FAQ
Below we’ve answered some of the most common questions about finding the best mobile home warranty:
Most home warranty providers offer one-year plan terms, but you can enroll in a multi-year home warranty with providers such as Liberty Home Guard and AFC Home Club.
Yes, American Home Shield covers single-family mobile homes, modular homes and manufactured homes. The same home warranty coverage is available for a mobile home as it would be for a house constructed on site. To understand what is and isn’t covered under your plan, we recommend closely reading your service agreement.
Home warranty costs for mobile homes vary depending on your location, the size of your home and the amount of coverage you purchase. You can choose to pay for your home warranty plan annually or split it up into monthly payments.
