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Best Mobile Home Insurance Companies of 2023

Foremost is our pick for best overall mobile home insurance company

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Owning a mobile home (also referred to as a manufactured home) has special considerations that differ from those involved with owning a traditional home, such as qualifying for an insurance policy. Luckily, the best mobile home insurance companies offer protection against certain types of vulnerability, such as windstorms and water damage.

To find a policy that best protects your mobile home and your belongings, make sure to look at the basis of any claims settlement, such as named or open perils, and whether it’s actual cash value or replacement cost. Some companies will only cover on an actual cash value basis for partial losses or only on a replacement cost basis for major damages or total losses. Some insurers also offer the choice to upgrade to replacement cost for your entire policy for an additional cost.

Best Mobile Home Insurance Companies of 2023

Best Mobile Home Insurance Companies of 2023
Best Mobile Home Insurance Companies of 2023

Best Overall : Foremost

  • J.D. Power 2023 Customer Satisfaction Index Rating (under Farmers): 846 out of 1,000 points
  • AM Best Financial Strength Rating: A (Excellent)
  • J.D. Power 2023 Claims Services Rating (under Farmers): 873 out of 1,000 points
Why We Chose It

We chose Foremost as the best overall company due to its add-on coverages, willingness to provide policies for mobile homeowners despite credit issues, and types of discounts available.

Pros & Cons
  • Offers good range of additional coverage, such as debris removal and food spoilage

  • Willing to write policies for those who have had credit issues and older dwellings

  • Endorsed by AARP and provides discounts to its members

  • No online application available

  • Reports of slow claims process


Founded in 1952 and with more than 38,000 agents representing the company, Foremost is part of the Farmers Insurance Group. The insurer is one of the largest mobile insurance providers in the country.

Foremost offers comprehensive property cost coverage, personal liability, and property coverage, and extras such as food spoilage, additional living expenses, and locksmith coverage. Add-ons include earthquake coverage, water damage, identity fraud expense, and trip coverage when your home is being transported. 

Foremost also offers extended replacement coverage (not always offered from other insurers), so if your home is declared a total loss, you’ll be eligible for up to?an additional 20% reimbursement above your policy limit’s value. A discount you may be eligible for is a protective devices discount, including having a central security alarm in your home.

Best for New Homeowners : Progressive

  • J.D. Power 2023 Customer Satisfaction Index Rating: 853 out of 1,000 points
  • AM Best Financial Strength Rating: A+ (Superior)
  • J.D. Power 2023 Claims Services Rating: 851 out of 1,000 points
Why We Chose It

Progressive offers discounts geared specifically for new homeowners, earning it our selection as the best in that category. In particular, it’s easy to get a quote online, and it offers perks such as its contractor connection network.

Pros & Cons
  • Replacement cost coverage

  • Discounts geared toward new homeowners

  • Mobile app available

  • Coverage and discounts vary by state

  • Poor consumer ratings

  • Some policies underwritten by third-party companies


Founded in 1937, Progressive is one of the largest insurance companies in the country. Its coverage includes protection for your dwelling in case of fire, hailstorm, theft, vandalism, explosions, and other covered perils. It also includes actual cash value for personal property, loss of use coverage, and liability coverage. Homeowners can also add on trip collision coverage and replacement cost coverage, though these vary from state to state. 

One of Progressive’s attractive discounts is the ability to bundle your mobile home and auto policies and be responsible for only one deductible—your claim needs to apply to both, and the offer isn’t available in all states. Other discounts include ones for new homeowners, paying in full, opting to receive policy documents electronically, and installing safety devices.

Best for Retirees : Allstate

Allstate Insurance

Allstate Insurance

  • J.D. Power 2023 Customer Satisfaction Index Rating: 853 out of 1,000 points
  • AM Best Financial Strength Rating: A+ (Superior)
  • J.D. Power 2023 Claims Services Rating: 868 out of 1,000 points
Why We Chose It

Allstate is our pick as the best for retirees because of its discounts specifically designed for this demographic and the ability to get face-to-face interaction with an Allstate agent.

Pros & Cons
  • Discounts for original title holders and retirees

  • Good optional coverage choices

  • Mobile app available

  • No immediate online quotes

  • Customer experiences vary depending on local agent


Founded in 1931 and based in Northbrook, Ill., Allstate is one of the country’s largest insurance companies. It provides standard mobile home insurance much like other companies, such as actual cash or replacement cost coverage for your mobile home structure and personal property, guest medical protection, and liability protection. Optional coverages include protection against water backup, green improvement reimbursement, and electronic data recovery.?

Allstate offers a whole slew of discounts that apply to multiple policies, enrolling in autopay, being claims-free, and new customers. Additional discounts include ones for original titleholders and those who are over 55 and retired.

Read the full review: Allstate Homeowners Insurance

Best for Discounts : American Family Insurance

American Family
  • J.D. Power 2023 Customer Satisfaction Index Rating: 855 out of 1,000 points
  • AM Best Financial Strength Rating: A (Excellent)
  • J.D. Power 2023 Claims Services Rating: 875 out of 1,000 points
Why We Chose It

American Family makes our list as the best for discounts because it offers one of the largest amounts of discounts, including a special one—the generational discount.

Pros & Cons
  • Large number of ways to quality for discounts

  • Mobile app that can track your claim's status

  • Variety of additional coverage options

  • Coverage in only 19 states

  • Reports of slow claims processing


Founded in 1927, American Family Insurance is also known as AmFam. It offers standard coverage for damages from fire, theft, vandalism, and other covered perils, personal liability, loss of use, and medical payments if a guest is injured on your property. Policyholders have the option of adding optional coverages, such as ones for hidden water damage, matching siding endorsement, trip collision coverage, and property coverage for other structures.?

This insurer offers the usual discounts, such as ones for bundling policies, enrolling in autopay, installing safety devices (including ones for smart homes), being a loyal customer, and new homes. Policyholders who have parents who are also policyholders get a discount. American Family Insurance also offers diminishing deductible coverage, where you get a $100 credit automatically and your deductible will go lower each year you renew your policy.

Best for Specialized Coverage : American Modern

American Modern Insurance
  • J.D. Power 2023 Customer Satisfaction Index Rating: N/A
  • AM Best Financial Strength Rating: A+ (Superior)
  • J.D. Power 2023 Claims Services Rating: N/A
Why We Chose It

We picked American Modern as the best contender for specialized coverage due to the fact that it offers protection for older mobile homes and ones that are vacant or aren’t occupied full-time.

Pros & Cons
  • Coverage for older mobile homes

  • Coverage for vacant or seasonal mobile homes

  • Flexible payment options

  • Must contact agent for a quote

  • Discounts not as generous as other insurers


American Modern claims that it’s one of the first companies to specialize in mobile home insurance, which it began offering in 1965. Its standard coverage is basic, offering protection against covered perils such as fire, wind, and lightning, with repairs based on actual cash value, though there is an option to upgrade to replacement cost. It also has medical coverage, personal property coverage, and actual cash value coverage for personal property. Optional coverage includes seasonal or vacant mobile homes, protection against water backup, full repair cost loss settlement, and enhanced coverage for additional causes of loss.

The insurer provides a few discounts, including the usual ones for bundling policies, paying in full, installing safety systems, and receiving paperless documents. However, coverage for vacant properties isn’t eligible for a discount, and other policies may only receive up to 10% off premiums.

Final Verdict

The best mobile home insurance companies recognize that their policies need to differ from standard homeowners policies. Mobile home coverage has specific needs, and we found that Foremost, part of Farmers Insurance, may be the best option for most people. Its extended replacement coverage provides additional reimbursement above your policy limit's value. As well, it offers multiple types of discounts and is willing to work with mobile homeowners who might have credit issues. If Foremost does not meet your specific needs, one of the other options on our list might be what you need.

Compare the Best Mobile Home Insurance Companies

Company J.D. Power Customer Satisfaction Rating AM Best Financial Strength Rating J.D. Power Claims Services Rating
Foremost Best Overall 846/1,000 A (Excellent) 873/1,000
Progressive Best for New Homeowners 853/1,000 A+ (Superior) 851/1,000
Allstate Best for Retirees 853/1,000 A+ (Superior) 868/1,000
American Family Insurance Best for Discounts 855/1,000 A (Excellent) 875/1,000
American Modern Best for Specialized Coverage N/A A+ (Superior) N/A

Frequently Asked Questions

  • Do You Need Mobile Home Insurance?

    Laws don’t require you to have mobile home insurance, but most home lenders require you to have a certain amount of coverage before you’re approved for a mortgage. In addition, you may need some type of mobile home insurance if you want to legally put your home in most mobile home parks.?Also, you should consider having some form of mobile home insurance as a way to protect your property and belongings, especially if you can’t cover the cost of repairing or replacing your mobile home.

  • What Does Mobile Home Insurance Cover?

    Although a standard mobile home insurance policy can differ from state to state, it typically offers similar coverage types, including physical property damage, personal property damage, liability coverage, and additional living expenses if your mobile home is uninhabitable during repairs. There also may be coverage specific to mobile homes, such as trip collision coverage to protect your home against repairs if it’s damaged while moving between locations. Other optional coverages include ones for hidden water damage, debris removal, and matching siding endorsement if only part of your mobile home’s wall is damaged.?

  • How Are Mobile Home Insurance Rates Determined?

    Underwriters take into account your physical structure—its size, value, and age—and whether the area where you live has certain risks, such as severe weather.?Insurers also will determine the price based on the deductible, limits, and coverage options you choose.?As different mobile home insurance companies use different methods to calculate your rate, it’s a good idea to shop around to find the most competitive rate.

  • How Do You Get Mobile Home Insurance?

    When shopping around for mobile home insurance, get quotes for different types of coverage, including any additional riders. That way you can see what you’re covered for and compare the best pricing options. When comparing policies, make sure to look at the basis of any claims settlement, such as named or open perils, and whether it’s actual cash value or replacement cost. It’s important to determine what specifics you need—deductibles, flood coverage, or any additional riders—then compare to see what will offer you the best protection.


To find the best mobile home insurance companies, we reviewed several companies based on their financial strength, consumer rankings, standard coverages, optional coverages, limits, deductibles, discounts, and more. We also rated companies highly for providing coverages specific to the needs of mobile homeowners, such as coverages that provide for replacement costs in the event of a total loss.

Best Mobile Home Insurance

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Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
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  2. A.M. Best. “Foremost Insurance Co Grand Rapids, MI.”

  3. J.D. Power. "2023 U.S. Property Claims Satisfaction Study."

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  6. Progressive. “Auto Insurance Ratings.”

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  8. A.M. Best “A.M. Best Affirms Credit Ratings of The Allstate Corporation and Its Key Subsidiaries.”

  9. Allstate. "Our History."

  10. A.M. Best. “A.M. Best Affirms Credit Ratings of American Family Mutual Insurance Company, S.I., Its Affiliates and American Family Life Insurance Company.”

  11. American Family Insurance. "Our Story."

  12. AM Best. "A.M. Best Affirms Ratings of American Modern."