Best Home Insurance for Manufactured Homes (2024)
The best mobile home insurance companies are Foremost Insurance, Allstate, and MetLife. We found the best home insurance for manufactured homes by choosing only those insurance companies that handle their own manufactured home products so that you know exactly who is standing behind your policy.
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Eric Stauffer
Founder & Former Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the...
Founder & Former Insurance Agent
UPDATED: Mar 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Manufactured homes are a little different from a traditional house, but that doesn’t mean they should go without good homeowner’s insurance coverage. Whether you live in an older manufactured home or have invested in one of the new high-end models, you need good insurance.
Fortunately, there are plenty of choices to get the specific coverage that a manufactured home needs, including some of the best-known names in the insurance world.
Finding affordable mobile home policies doesn’t have to be hard. Enter your ZIP code above to compare mobile home insurance rates from a universe of companies near you.
The Basics of Manufactured Home Insurance
First, it is important to make a distinction in the terminology; a manufactured home is one that is built after 1976 and is required to meet federal building codes. The term mobile home should technically apply only to pre-1976 models before the code laws were enacted. Many people and even insurance companies continue to use the terms interchangeably, so a mobile home policy is likely to be the same thing in most cases. As one last terminology note, a modular home is not the same as a manufactured home due to construction and foundation differences.
With that out of the way, let’s look at the coverage you need. Like any other home, a manufactured home insurance policy provides coverage for the dwelling itself, for personal property, and for liability. Coverage also includes add-ons like attached porches and other structures such as detached garages.
Some older mobile or manufactured homes may not qualify for full replacement cost coverage, but most modern homes should be able to get it. That means that if your manufactured home is destroyed, you will be paid out the amount of money that is required to replace it with a similar home, rather than the depreciated cost.
Good manufactured home policies offer many of the same endorsement choices as on any homeowner’s policy, including increased personal property coverage for high-value items, home office coverage, and identity theft.
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Specifics of Manufactured Home Insurance
The biggest difference between a manufactured home and a site-built home is that it is mobile. That means you need to be able to cover the home when it’s being transported to the location where you plan to keep it.
Manufactured home insurance includes this coverage, usually as an endorsement. If your home is in a permanent location and you have no plans to move it, you do not need this coverage. Bear in mind that even as the home is being transported from the factory to the lot where it will be placed, you need to insure it.
There are some special discounts offered for manufactured homes, depending on the company. One example is a discount for being the original owner of the home. Multi-policy discounts are usually available for bundling auto insurance, similar to any other home insurance policy.
Read more:
How We Made Our Choices for Best Manufactured Home Insurance
Your manufactured home is just that – your home – and we wanted to find insurance companies that would treat it as the equal of any other type of home. Our picks, therefore, had to have comprehensive policies with all kinds of options along with the endorsements a manufactured home needs.
A lot of big name insurance companies say the offer manufactured home insurance, but they neither underwrite nor service the policies directly. We chose only companies that handle their own manufactured home products so that you know exactly who is standing behind your policy.
All of our picks also come with a good reputation, so that you know they actually will stand behind that policy when a claim comes in.
We selected companies that offer a wide coverage area so that this information would be useful to the widest audience possible, but many local companies have excellent programs, so keep them in mind.
Our Top Recommendations
These three insurers all offer top-notch insurance programs to manufactured home owners.
Foremost
Foremost is the self-proclaimed number one mobile and manufactured home insurance company in the nation, and they have definitely been at it a while. Mobile homes were the original product offered by the company, which is now a part of Farmers Insurance Group.
They cover all types of mobile and manufactured homes and can help with older homes as well, and multi-policy discounts are available with both other Foremost policies as well as Farmers policies. Their package is comprehensive with a lot of add-on options.
Read more: Foremost Insurance Company Review & Complaints: Home, Car, & Recreational Vehicle Insurance
Allstate
If you want a big-name insurance company with a great manufactured home policy, Allstate is the place to get it. With a solid base package policy and a lot of endorsements including transportation coverage, Allstate takes insuring manufactured homes seriously.
They also have a great list of discounts, including multi-policy and an original owner discount. And of course, they have a strong reputation as one of the biggest insurance companies in the country.
MetLife
MetLife may come as a surprise on this list, but they have a solid manufactured/mobile home policy and may, in fact, be one of the more affordable options, especially if you belong to one of the many affiliate groups or work for one of the many companies through which they offer discount programs.
You can also take advantage of multi-policy discounts and a range of other rate-lowering discount options. MetLife also comes with a good reputation as a solid company.
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Shopping for Manufactured Home Insurance
Whether you are purchasing a brand-new manufactured home or buying one that is already established, the approach should be much the same. Know how much coverage you need, what options you want to add, and what deductible you’d like, and then get enough apples-to-apples quotes to compare.
One of the big questions to ask when getting quotes is whether the company actually underwrites the policy directly. Many companies do not underwrite their own manufactured home policies directly. Ask which company will do the underwriting so that you can research that particular insurer’s reputation and know exactly what you are getting. Remember – that is the company that will handle a claim, not the company selling it as an affiliate.
There are a lot of excellent manufactured home insurance programs out there, so there is no reason to settle for less than comprehensive coverage from a reputable company.
Even if you have an older mobile home that doesn’t meet the requirements for a standard insurance company, there are very reputable specialty companies. Remember that you may pay a little more for that peace of mind – the least expensive standard coverage is not always the best insurance. Take your time when shopping around, and get as many quotes as possible so you will know you’ve chosen the best.
There’s no need to incur additional living expenses. Standard policies may not always meet your needs and you may want to add some optional coverage or increase coverage limits. Make sure your mobile home coverage protects you from property damage, water damage, earthquake coverage, or other disasters.
The Bottom Line
Shopping for manufactured home insurance is a lot like any other home, although you may not have quite as many options when it comes to mobile home insurance coverage.
Do your research and know what you want your policy to cover so that you know just what to look for when you get a quote. Do not forget the multi-policy discounts; many companies treat a manufactured home policy the same when bundling, so shop your auto around at the same time.
Find the cheapest quote on mobile home insurance policies in your area by comparing rates today. By using the search box below, you can find mobile home insurance quotes from multiple insurers near you.
Case Studies: Best Home Insurance for Manufactured Homes
Case Study 1: Foremost Insurance
John, a proud owner of a manufactured home, was searching for the best insurance coverage. After thorough research, he discovered Foremost Insurance, known as the number one mobile and manufactured home insurance company in the nation. John valued Foremost’s expertise and coverage for all mobile and manufactured homes.
Case Study 2: Allstate
Sarah recently purchased a beautiful manufactured home and wanted a reliable insurance policy to protect her investment. She decided to go with Allstate, a well-known insurance company with a solid manufactured home policy. Sarah liked that Allstate insures manufactured homes and offers a policy with transportation coverage.
Case Study 3: MetLife
Mark, a homeowner of a manufactured home, was looking for an affordable insurance option without compromising on quality. He came across MetLife, a surprising but reliable choice for manufactured/mobile home insurance. Mark discovered that MetLife offers a solid policy at competitive rates, especially if he qualifies for their discount programs through affiliate groups or employers.
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Frequently Asked Questions
What is a manufactured home?
A manufactured home, also known as a mobile home, is a type of housing that is built in a factory and transported to its final location. These homes are built to federal building codes and are often a more affordable alternative to traditional site-built homes.
Do I need insurance for my manufactured home?
Yes, it is important to have insurance for your manufactured home to protect against damages and liabilities.
What kind of coverage should I look for in a home insurance policy for my manufactured home?
When looking for home insurance for your manufactured home, you should consider coverage for the structure of the home, personal property, liability, and additional living expenses in the event that you are unable to live in your home due to a covered loss.
What factors should I consider when choosing an insurance company for my manufactured home?
Some factors to consider when choosing an insurance company for your manufactured home include the company’s reputation, customer service, financial stability, and the types of coverage and discounts offered.
Are there any specific insurance companies that specialize in providing coverage for manufactured homes?
Yes, there are insurance companies that specialize in providing coverage for manufactured homes. Some of these companies include Foremost Insurance, American Modern Insurance, and Assurant.
Can I bundle my manufactured home insurance with other types of insurance, such as auto insurance or life insurance?
Yes, many insurance companies offer bundle discounts for customers who have multiple policies with them. It is worth checking with your insurance provider to see if bundling is an option for you.
How can I lower the cost of my manufactured home insurance?
You can lower the cost of your manufactured home insurance by raising your deductible, installing safety features in your home, maintaining a good credit score, and taking advantage of discounts offered by your insurance provider.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Eric Stauffer
Founder & Former Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the...
Founder & Former Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.