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Read this guide for help choosing the best insurance policy for your mobile or manufactured home based on your specific needs. modular homes under 100k
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Saad Imran is a personal finance writer with expertise in insurance, loans, credit cards and mortgages. When not writing, he’s a cat enthusiast who loves playtime with his furry companion.
Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.
A mobile home, also known as a manufactured home, can have unique advantages over a traditional home or condo , such as lower purchase prices and flexibility in your home’s location. However, it usually requires a unique form of insurance rather than a standard homeowners insurance policy since it has significant structural differences.
At the Guides Home Team, we have analyzed the top homeowners insurance companies on the market and compared their mobile home insurance policies to help you find the best one for you and your manufactured home.
*AM Best Ratings accurate as of April 2024
After in-depth research, we found the following to be the best mobile home insurance providers:
Allstate is one of our top picks for mobile home insurance because it offers an impressive combination of comprehensive policies, local customer service with its large network of agents, extensive discount opportunities and more. As a result, it outperformed all other companies in our in-depth review, scoring a 4.84 out of 5.
Although there’s a lot we like about the company, Allstate may not be the right pick for you if you’re looking for loss of use coverage with your mobile home insurance policy since it may not be available.
Allstate’s satisfied customers praised the company’s responsive customer support and its fast and fair claims process. However, some customers expressed frustration over not being able to find necessary information on Allstate’s website. Others complained about its policy cancellation process. Overall, the company received a mix of positive and negative reviews.
“I have been with Allstate for quite a few years. It has always handled my account with knowledge and has always been patient with me. They have answered my questions anytime I call.” —Linda via Trustpilot
“Allstate is a wonderful company! I have had two claims over the years and it was quick to help and everything was fixed.” —Kyle via Trustpilot
“I have a home, auto and commercial business policy. This is the worst site to navigate for reviewing policies.” —Tye via Trustpilot
State Farm may be your best place to start if you’re a new owner of a mobile home looking for your first insurance policy. The company offers helpful online resources for learning about coverage and keeping track of your home’s inventory, and it operates through local agents to give you a personalized customer service experience.
State Farm may not be your first choice if you’re looking for a provider with multiple discount opportunities and add-ons directly related to owning a mobile home. Despite their lack of discounts, they consistently offer some of the lowest home insurance rates in the industry.
State Farm’s customers had positive comments about the company’s service and praised its fast claims-handling process. However, some found frequent rate increases frustrating. One customer also complained about not being able to speak to the same person regarding claims.
“I have been with State Farm for over 35 years and have always had immediate and courteous service.” —Teresa via Trustpilot
“I recently filed a claim for hail damage. It was really quick and very easy — no complex procedure and no struggle to get approval. The good thing is [State Farm] provided the check on the day of the inspection itself.” —Priya via Trustpilot
“Getting resolution was like pulling teeth. You can never speak to just one person and every time you call no one knows what is going on or can help you.” —Gigi via Trustpilot
American Family has a solid reputation with customers, earning one of the highest J.D. Power customer satisfaction ratings in our review. It also has strong financial strength with an A (Excellent) rating from AM Best. We found that it stood out the most for its helpful online resources provided to homeowners, including a coverage calculator and a personal property inventory tool.
American Family’s customer reviews were mostly positive, with customers praising its helpful customer support, reasonable rates and quick process. A few customers did not like its claims handling and complained about higher premiums. One customer said the insurer enabled automatic payments without their permission.
“Switching to American Family from my previous [insurer] was quick and painless. I was blown away by how it saved me $80 a month. The person I spoke to was very helpful and great. —Ripley via Trustpilot
“I chose American Family because of its good reputation of reasonable rates and great representation. I found both of these attributes to be true.” —Dayton via Trustpilot
“Very bad experience with my claim [and the] adjustor service was terrible. This company kept rising auto and homeowner’s premiums for no real reason.” —Sam via Trustpilot
Farmers’ mobile home insurance policies are customizable based on your specific needs. Your local agent can help make sure you get the best coverage, deductible and premium for your home that matches your budget.
Although Farmers’ standard policies are highly customizable, the provider does offer fewer add-on options than many competitors, meaning it may not be the best choice for someone looking to maximize their extra coverage.
Positive customer reviews of Farmers mentioned its responsive customer support and short turnaround time. Customers also praised its claims handling process. Some negative reviews were about the company’s reluctance to settle legitimate claims and poor customer support from some agents.
“Farmers rendered the best experience we have ever had with insurance. It was responsive and professional and the turnaround time for everything was immediate. It only took a couple of days to get everything worked out from hail damage to our autos and house.” —Nancy via Trustpilot
“Nothing but positive experiences with Farmers and its claims department.” —David via Trustpilot
“Don’t believe anything [Farmers] says about your policy. I had a small claim for some water damage in my home and the company came up with a dozen reasons not to pay for it.” —Ross via Trustpilot
We recommend Progressive to homeowners looking to bundle their car and mobile home insurance policies since the provider offers a discount and single deductible benefit that combines the deductibles from each policy, saving you money out of your pocket during a claim on either policy.
However, if you don’t want the confusion of working with a third-party insurer that underwrites your mobile home insurance policy, Progressive may not be your best option.
Although most of Progressive’s reviews were positive and praised its helpful customer support and lower rates, some customers had difficulty contacting an agent regarding claims. There are also negative reviews about Progressive’s website and how challenging it is to make online payments.
“We have had Progressive for years because of the great customer service. No question is too small. They are friendly, professional, helpful and caring every single time we have contacted them.” —Michelle via Trustpilot
“Rates are very low. Every couple of years I check with an agent and no one ever comes close.
Service is great too. The app [is] easy to use.” —Ariel via Trustpilot
light steel structure house “Have a claim and cannot get to talk to [a] real person. [It has] been a month of continuous leaving messages on its website and by phone.” —Gary via Trustpilot