Top Mobile Home Insurance Companies 2025 – Mobile homes require specialized insurance coverage due to their unique structure and risks. Whether you own a manufactured home or a modular home, securing the right insurance policy is crucial for protecting your investment against damage, theft, and liability claims.
This guide explores the top-rated mobile home insurance companies, comparing coverage options, pricing, and customer satisfaction to help you make an informed decision. We’ll also answer key FAQs to ensure you get the best policy for your needs.
Foremost
Foremost is one of the leading insurers for mobile homes, offering tailored policies for manufactured, modular, and park-model homes. Known for its specialized coverage and competitive rates, Foremost is a top choice for mobile homeowners.
Why Choose Foremost for Mobile Home Insurance?
✅ Specialized Coverage – Policies designed specifically for mobile homes, including protection for attached structures like porches and carports.
✅ Flexible Payment Options – Monthly, quarterly, or annual payment plans available.
✅ Additional Living Expenses (ALE) – Covers temporary housing if your home is uninhabitable due to a covered loss.
✅ Discount Opportunities – Savings for bundling policies, installing safety features, and claims-free history.
Coverage Options
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Dwelling Protection – Covers the structure of your mobile home.
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Personal Property – Protects furniture, appliances, and personal belongings.
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Liability Insurance – Shields you from lawsuits if someone is injured on your property.
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Trip Collision Coverage – Unique to mobile homes, covering damage while relocating.
Pros & Cons of Foremost
| Pros | Cons |
|---|---|
| ✔ Specialized in mobile homes | ✖ Not available in all states |
| ✔ Strong financial stability (A-rated) | ✖ Limited online quote process |
| ✔ Customizable policies | ✖ Higher premiums for older homes |
Foremost is an excellent choice for mobile homeowners seeking reliable, customizable coverage from a trusted provider.
American Modern
American Modern is another top insurer specializing in manufactured and mobile home insurance. They offer flexible policies with competitive pricing and extensive coverage options. Top Mobile Home Insurance Companies.
| Feature | Details |
|---|---|
| Coverage Types | Dwelling, personal property, liability, additional living expenses |
| Unique Perks | Coverage for screened enclosures, detached structures |
| Discounts | Multi-policy, protective devices, claims-free |
| Availability | Nationwide (varies by state) |
American Modern is ideal for those seeking affordable yet comprehensive mobile home insurance.
Allstate
Allstate provides standard and manufactured home insurance with strong customer service and multiple discounts.
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Pros:
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Nationwide availability
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Bundling discounts (home + auto)
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24/7 claims service
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Cons:
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Higher premiums for high-risk areas
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Limited mobile home-specific features
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Allstate is a solid option for those who prefer a well-known insurer with reliable service.
Read More : Home Insurance in Mobile, AL: Complete Guide (2025)
State Farm
State Farm is a trusted name in home insurance, offering coverage for mobile homes with customizable options.
✅ Pros:
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Strong financial stability (A++ rating)
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Local agent support
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Discounts for safety features
❌ Cons: -
Limited online policy management
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Not specialized in mobile homes
State Farm is best for homeowners who value personalized agent assistance.
American Family
American Family (AmFam) offers competitive mobile home insurance with unique perks like diminishing deductibles.
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Key Benefits:
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Diminishing deductible rewards
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Identity theft coverage
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Equipment breakdown protection
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Drawbacks:
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Limited availability (mostly Midwest/West)
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Great for those seeking innovative coverage options.
FAQs
1. What is the best insurance company for mobile homes?
Foremost and American Modern are among the best due to their specialized coverage.
2. Who is the number 1 home insurance company in America?
State Farm holds the largest market share for homeowners insurance.
3. Is it hard to get homeowners insurance on a mobile home?
It can be more challenging than traditional homes, but specialized insurers like Foremost simplify the process.
4. Does State Farm have mobile home insurance?
Yes, but it’s not as specialized as Foremost or American Modern.
5. Does AARP offer mobile home insurance?
No, but AARP partners with insurers like The Hartford for standard home insurance.
