Best mobile home insurance

American Family Insurance is one of the best picks for mobile home insurance thanks to its customizable policies and wide range of discounts. It protects your home from fire, smoke, theft and vandalism. Several add-ons are available, such as equipment breakdown coverage and hidden water damage coverage.

Our reviewers like American Family’s excellent customer service, reasonable rates and customizable policies. They also say local agents are very kind and knowledgeable about the company's products.

“Their personnel are very knowledgeable about all their services and are always there to help with any problems you might have,” said Mary from Washington. Mary added: “It's a company I would recommend to anyone. Their rates are very reasonable for what you get.”

Allstate is a great choice for mobile home insurance. It offers a strong selection of standard coverages and numerous add-ons to give you peace of mind. However, its generous discounts, which include up to 15% off for bundling and installing protective devices, may stand out the most. It also has a discount of up to 10% for those 55 and older and retired.

Allstate is available nationwide, so it’s a good option if other insurers aren’t available where you live. You can quickly get a quote online to see your coverage options.

Our reviewers like the range of options, saying Allstate offers the right coverage to meet their needs. They also say they’ve had good experiences with claims after experiencing things like water leaks or wind damage.

“After a plumbing leak flooded the 1st floor of my home, Allstate covered all the repair costs and property damage,” said Dora from Texas. Dora also praised her Allstate agent, saying, “My agent is very knowledgeable and has given me good advice on setting my policy limits.”

Erie offers insurance for many home types, including mobile and manufactured homes, double-wides, and modular homes. Its policies offer comprehensive protection in a covered loss, including the cost of temporary repairs that help prevent further damage. It also covers additional living expenses, such as the cost of living elsewhere while your home is repaired.

Although Erie Insurance is only available in 12 states, it offers many benefits to eligible individuals. If finding affordable coverage is a priority, you can pair mobile home insurance with auto insurance for a discount.

Our reviews say Erie has reasonable rates, and the company hasn’t increased them. They say Erie’s agents and claims adjusters are knowledgeable and willing to walk them through the claims process step by step. In addition, they say customer service is easy to work with.

“The insurance agents are very helpful and always willing to listen to all your complaints about the storms and damage that they do,” said Madeline from Ohio. The reviewer also praised Erie’s processing speed and local service, saying it “only takes a few days versus weeks to get your money when filing a claim. Also, their office is local.

State Farm offers manufactured home insurance nationwide with a wide range of coverage options. Policies are customizable with various add-ons, and you can choose from several different deductibles. Several discounts are available, including protective device discounts, those for newer homes and discounts for loyal State Farm customers.

Our reviewers like that the company has reliable and helpful local agents. They say filing claims with State Farm is a breeze and that the process is quick and efficient. Our reviewers also appreciate the wide range of discounts available.

Carolyn from Washington praised State Farm's willingness to step in when disaster strikes. “Had two major storms go through one of our farms…Called State Farm. They were on our property within a couple of hours,” Carolyn said. “The agent inspected all damage done to our property and within a couple of hours he wrote us out a check to cover damages.”

Farmers offers policies designed to meet the unique risks of mobile homes. Its customizable policies and knowledgeable local agents will help you get the coverage you need.

Farmers’ mobile home insurance policies are designed to cover damages these homes are most likely to sustain, such as damage from fire and wind. They may also cover damage sustained during a move, since these homes may sometimes be relocated.

Our reviewers said Farmers agents are excellent, demonstrating a sense of professionalism and helpfulness. Sharon from Arkansas said her agent walked them through every step of the process. “He explained each step to filing a claim and what to [expect] next,” said Sharon.

The reviewer continued, saying her agent was prompt and that it was a great experience. “He answered text promptly with no delays. I had an excellent experience before and after the claim was completed,” said Sharon.