Best Mobile Home Insurance 2025 (Find the Top 10 Companies Here!)

Our Top 10 Company Picks: Best Mobile Home Insurance

Best Mobile Home Insurance Companies

There are only a few companies that provide mobile home insurance. However, many major companies have a partnerships with mobile home insurance companies.

For example, say you search for insurance through USAA. It will give you quotes from the mobile home insurance company Foremost. Other than Foremost, Assurant is a major mobile home insurance company that partners with big insurance companies like Progressive and Geico.

Foremost is a branch of Farmers and has specialized in mobile home insurance since its founding. You can also get Foremost coverage through your AARP membership. Another unique selling point is that Foremost offers extended replacement cost coverage for mobile homeowners.

Assurant is another big name in mobile home insurance reviews. One unique advantage to this company is that it provides flood insurance, which isn’t always standard with mobile home policies.

Allstate, American Family, and American Modern also provide mobile home insurance to homeowners.

Do I really need mobile home insurance?

Mobile home insurance is definitely a good thing for a few reasons. Although it isn’t legally required, before you can move into a mobile home park, many parks want to see proof of insurance. If you take out a mortgage, the company will also want to see insurance.

You should also think about the cost of your mobile home. If you’ve made an investment into it, you should get mobile home insurance to protect your home and any valuables inside. If not, you risk having to pay out of pocket for repairs or replacements if something happens.

What is mobile home insurance?

Mobile home insurance is much more like homeowners, not car insurance. If your home is damaged, it will cover your personal items and the mobile home itself. The specifics of what mobile home insurance companies offer in a policy vary from company to company.

In general, most companies will cover your main dwelling and events like fire, damage from snow and ice weight, any objects that fall on the home, hail, wind, and pipes that burst.

Your policy may also cover surrounding structures, like a fence or garage, that are not a part of the main home.

Your personal items or property in the home are also covered by mobile home insurance. So, for example, you could upgrade to replacement cost coverage and get enough cash back to replace a TV or other electronic devices, items of furniture, or any other belongings.

Another major part of mobile home insurance is liability coverage. It covers you if a visitor sues for their injury or if you cause injury or property damage to others by accident.

What is not covered under mobile home insurance?

While not everything is covered, it’s possible to buy extra mobile home insurance coverage as an add-on or part of another type of policy.

Here is what is not covered:

• Normal wear and tear
• Flooding, although you can add on this type of coverage as an extra
• Damage from earthquakes
• Damage from insects or animals
• Damage from using your mobile home for business

The features that you want may be included as standard or may be available at an extra charge. It depends on the insurance company.

What type of mobile home insurance should I get?

When deciding which mobile home insurance to buy, look for the basics.

The first is dwelling coverage, which covers any damage to covered perils, such as fire or wind. There is also personal property coverage for items that you own inside the home.

Liability coverage is an option that you should get to protect yourself from legal liability if you damage someone’s property or they get hurt on your property.

Optional coverage options include coverage for trip collision, which protects you from damage to the home while it’s being moved. Additional structures coverage will cover things like a fence, garage, or anything that is not part of the main structure.

Replacement cost coverage is another add-on popular with mobile homeowners. This allows your property to be replaced at its full value. Otherwise, it is valued at a lower amount which takes wear and tear into account.

Insurance for Older Mobile Homes

Older mobile home insurance applies to homes built before June 15, 1976. For any home built after this date, you might see it referred to as manufactured home insurance.

This date is important because, before 1976, there were no standards for mobile homes and their construction. Anything built after that date has to meet certain safety standards. This is why it’s much easier to get a newer mobile home insured.

Best Mobile Home Insurance: The Bottom Line

Now that you know all about the best mobile home insurance, you can look for a policy that’s a good fit for you.

If you want older mobile home insurance, you may have to get it through a regional company and not one of the larger national insurance companies.

The best way to find affordable mobile home insurance is by comparing quotes online. You can use our free tool by entering your ZIP code to get the best mobile home insurance rates from companies near you right now.

1. https://content.naic.org/cipr-topics/homeowners-insurance