Best mobile home insurance

Protect your investment without breaking the bank

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Like other types of home insurance, mobile home insurance is an important part of securing your finances. A good mobile home insurance policy protects you from liability and structural damage. It also covers your living expenses and personal belongings.

However, finding the best mobile home insurance policy isn’t always easy. We’ve selected the best mobile home insurance providers to help you get the best features at a reasonable cost.

Key insights

Mobile home insurance is designed to protect you against risks common to mobile homes, such as flooding, wind damage and wildfires.

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Factors affecting mobile home insurance costs include location, crime rates and weather risks.

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There are many ways to save on mobile home insurance, including discounts, shopping around and choosing a perils-only policy.

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Our top 5 picks for best mobile home insurance

Your home is your most valuable investment, and mobile homes are no exception. When the unexpected happens, you want a policy that protects your investment and belongings. We’ve selected the best mobile home insurance providers available today.

  • American Family
  • Allstate 
  • Erie
  • State Farm
  • Farmers
Available discounts
Multipolicy, age of home, renovated home, security devices, autopay, full pay, paperless, loyalty, generational discount
AM Best Rating
A (Excellent)
19 states

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.”

Available discounts
Multipolicy, original homeowner, protective device, 55 and retired
AM Best Rating
AA- (Superior)
All 50 states and Washington D.C.

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.”

Available discounts
AM Best Rating
A+ (Superior)
Available in 12 states

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.

Available discounts
Home alert, model year, tenure
AM Best Rating
B (Fair)
Available nationwide

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.”

Available discounts
Multipolicy, multiline, paperless, new home, protective devices, claims-free
AM Best Rating
A (Excellent)
41 states

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.

Mobile homes vs. manufactured homes vs. modular homes

Despite the difference in terminology, the real-world variations between these homes can be subtle. Although “mobile home” is widely used today, it technically refers to homes built before 1976, when the federal HUD code was established. Mobile homes and manufactured homes refer to factory-built homes rather than those built on-site.

Although ‘mobile home’ is widely used today, it technically refers to homes built before 1976, when the federal HUD code was established.”

“Manufactured home” is the modern term used for homes in this category built after 1976 and that adhere to the HUD code. Like mobile homes, manufactured homes are sometimes movable but can also be on a permanent foundation.

Modular homes are built to state and local codes, similar to stick-built homes. They are typically designed to look more like traditional homes and less like mobile homes. These homes are usually designed for frequent moves.

Insurance is especially important for mobile and manufactured homes because they are built on a chassis, which can make them more vulnerable to wind damage. Modular homes are closer to traditional homes, making risks lower.

Due to the increased risks that come with mobile and manufactured homes, insurance policies are often designed to cover events like damage from wind and transportation of the home.

How much is mobile home insurance?

Mobile home insurance costs typically between $750 and $1,500, though it’s difficult to give a range due to all the risks mobile homes may face. For instance, older homes or those in areas more prone to damage from wind or tornadoes may be more costly to insure. The coverage limits and deductibles also affect the monthly premium. Also, remember that some insurers may offer discounts, which can reduce the monthly cost.

» MORE: How to save on homeowners insurance

How to find the best mobile home insurance

Finding the best mobile home insurance is more than looking for the lowest rates. You should also consider coverage options, deductibles and company reputation.

Coverage options

Every mobile home is different, and coverage options must be available to meet its unique needs. For instance, your policy should cover your home’s structure, personal belongings, liability and any additional structures, such as porches or garages.

Your policy should also cover your home's risks, such as fire, wind, falling objects and theft. These are just some possible coverages you may need, but you should work with an agent to discuss your options.


Your deductible is the amount you pay before your insurance policy pays for covered costs. It can vary widely but might be between $500 and $1,000. Look for a mobile home insurance policy with a deductible you can afford.

Company reputation

The reason to get an insurance policy is so that you won’t risk losing your home or that it will become unlivable. This is critically important, so your insurer must be a dependable name you can trust. There’s something to be said for insurers that have been around for decades or even more than 100 years.

Similarly, strong financial stability ratings are also important. Insurers will reimburse you when necessary, so you need a company with stable financials.

» COMPARE: Best homeowners insurance companies

What does mobile home insurance cover?

Mobile home insurance covers many of the things you might expect. For instance, if there is structural damage to the home due to severe weather or a fire, your insurance will cover it. However, some extreme events, like floods and earthquakes, aren’t covered without a separate policy.

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Is mobile home insurance required?

Mobile home insurance is not usually required by law, but it could be required in some situations. For instance, your lender or mobile home community may require you to have insurance.

Do I need mobile home insurance if I live in a modular home?

You may still need insurance if you live in a modular home, but standard homeowners insurance policies typically cover them. This is mostly because modular homes are built to the same state and local building codes as site-built homes.

Can you insure older mobile homes?

Although technically possible, insuring older mobile homes may be tougher due to their added risks. Contact insurers directly to see if coverage is available for your home.

Can you get flood insurance on a mobile home?

Yes, you can get flood insurance on a mobile home. These policies are available from the National Flood Insurance Program (NFIP) or private insurers.

Bottom line

Like traditional homes, mobile homes need insurance to protect them from damage or unexpected events. These policies should generally cover the home’s structure, personal belongings, liability and living costs if you are displaced. In addition to cost, ensure the company you choose is reputable, with affordable deductibles and coverage options that meet your needs.

Article sources

ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:

  1. Geico, “What are mobile, manufactured, and modular homes?” Accessed May 9, 2024.
  2. Rochester Homes, “What Is a Modular Home?” Accessed May 9, 2024.
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