Best Mobile Home Insurance in 2025 (Find the Top 10 Companies Here!)
AAA, State Farm, and Travelers provide the best mobile home insurance offering rates as affordable as $30/month. Known as manufactured home insurance, they provide thorough coverage and competitive rates, making them ideal for homeowners seeking discounts and peace of mind.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Dec 22, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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17,760 reviewsCompany Facts
Full Coverage Mobile Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
1,731 reviewsCompany Facts
Full Coverage Mobile Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviewsAAA emerges as the premier choice for best mobile home insurance, presenting competitive rates starting as low as $30 per month for comprehensive coverage.
Our Top 10 Company Picks: Best Mobile Home Insurance
| Company | Rank | Safe Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 6% to 9% | A | Roadside Assistance | AAA |
 | #2 | 7% to 11% | A++ | Agency Network | State Farm |
 | #3 | 8% to 15% | A++ | Unique Coverage | Travelers |
 | #4 | 6% to 12% | A+ | Competitive Rates | Progressive |
 | #5 | 8% to 10% | A+ | Exclusive Benefits | The Hartford |
 | #6 | 6% to 9% | A+ | Deductible Options | Nationwide |
 | #7 | 5% to 7% | A | Signal App | Farmers |
 | #8 | 5% to 8% | A+ | Drivewise Programs | Allstate |
 | #9 | 3% to 7% | A++ | Military Savings | USAA |
 | #10 | 5% to 9% | A++ | Flexible Payments | Geico |
- AAA offers policies and liability protection for as low as $30/month
- Discover the top-rated mobile home insurance that caters your needs
- Explore expert reviews in selecting the best mobile home insurance
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#1 – AAA: Top Overall Pick
Pros
- Bundle Savings: AAA provides discounts for combining home and auto policies.
- Financial Stability: As noted in our AAA home insurance review, AAA boasts robust financial ratings, ensuring security for claims.
- Continuous Claims Support: AAA offers 24/7 assistance for processing claims.
Cons
- Discount Constraints: Certain homeowners may perceive AAA’s discount offerings as less comprehensive.
- Service Challenges: Some clients voice discontent with AAA’s customer service performance.
#2 – State Farm: Best for Agency Network
Pros
- Tailored Policies: State Farm customizes policies to suit the specific needs of each homeowner.
- Competitive Pricing: State Farm provides cost-effective rates, ensuring homeowners receive good value for their money.
- Broad Coverage: As outlined in our State Farm home insurance review, State Farm offers comprehensive coverage options for a variety of risks.
Cons
- Restricted Availability: State Farm’s services may not be available in all locations.
- Possible Premium Raises: Premiums could increase over time, impacting affordability.
#3 – Travelers: Best for Unique Coverage
Pros
- Multiple Discounts: Travelers provides discounts to potentially save money.
- Additional Coverage: Travelers offers extra protections such as identity theft and green home coverage.
- Personalized Policies: Travelers tailors policies to meet homeowners’ specific requirements.
Cons
- Customer Service Issues: Some customers report dissatisfaction with Travelers’ service, including claims handling.
- Limited Options: According to our Travelers home insurance review, Travelers may not offer coverage in all areas.
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#4 –Progressive: Best for Competitive Rates
Pros
- Bundle Discounts: Progressive enables bundling home and auto policies for additional savings.
- Continuous Support: Progressive offers round-the-clock assistance for handling claims and inquiries.
- Simplified Comparison: Progressive streamlines the process of comparing quotes from multiple insurers.
Cons
- Customer Service Issues: Some customers raise concerns about the quality of Progressive’s customer service. Further details can be found in our Progressive home insurance review.
- Coverage Limitations: Progressive might provide fewer coverage options compared to its competitors.
#5 – The Hartford: Best for Exclusive Benefits
Pros
- Extensive Coverage: The Hartford offers comprehensive coverage options for diverse risks.
- Multi-Policy Discounts: The Hartford provides discounts for bundling home and auto insurance policies.
- Customized Policies: The Hartford tailors policies to meet homeowners’ specific needs.
Cons
- Limited Availability: The Hartford may not offer coverage in all areas, limiting homeowners’ options.
- Customer Service Concerns: According to our The Hartford’s home insurance review, some customers report dissatisfaction with The Hartford’s service.
#6 – Nationwide: Best for Deductible Options
Pros
- Bundle Savings: Nationwide provides discounts for policies, potentially reducing costs. Check out our Nationwide home insurance review for details.
- Extensive Coverage: Nationwide offers options to safeguard homeowners from various risks.
- Additional Protections: Nationwide provides extra coverage options like identity theft protection and flood insurance.
Cons
- Service Issues: Some clients express dissatisfaction with Nationwide’s customer service.
- Limited Discount Range: Nationwide’s discount offerings might not be as extensive as other insurers.
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#7 – Farmers: Best for Signal App
Pros
- Discount Availability: Farmers offers various discounts, potentially reducing premiums.
- Additional Coverages: Farmers provides options like identity theft protection and equipment breakdown coverage.
- Claims Handling: Farmers is praised for responsive and efficient claims processing.
Cons
- Higher Costs: Some homeowners may find Farmers’ premiums higher compared to competitors.
- Limited Availability: Farmers restrict options for some homeowners. Find out more in our Farmers home insurance review.
#8 – Allstate: Best for Drivewise Programs
Pros
- Discount Opportunities: Allstate provides various discounts, potentially reducing premiums.
- Comprehensive Protection: Allstate offers extensive coverage options for different risks.
- Mobile App Convenience: Allstate’s app offers easy access to policy information and claims filing.
Cons
- Higher Premiums: Allstate’s premiums may be higher than other insurers. See our Allstate home insurance review for more details.
- Availability Restrictions: Allstate may not operate in all regions, restricting options for homeowners.
#9 – USAA: Best for Military Savings
Pros
- Customized Policies: USAA customizes policies to match homeowners’ unique needs.
- Discount Opportunities: USAA offers various discounts, helping homeowners save on premiums.
- Responsive Claims Processing: USAA is known for efficient and prompt claims handling.
Cons
- Restrictions: USAA may not be available in all areas. Know their availability through our USAA home insurance review.
- Potential Higher Premiums: Some homeowners may find USAA’s premiums higher compared to other insurers.
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#10 – Geico: Best for Flexible Payments
Pros
- Tailored Policies: Geico customizes policies to fit homeowners’ specific needs.
- Financial Strength: Geico boasts strong financial ratings.
- Efficient Claims Handling: Geico is known for prompt and responsive claims processing. Read more of their efficiency in our Geico home insurance review.
Cons
- Availability Restrictions: Geico may not operate in all regions, limiting coverage options.
- Possible Higher Costs: Some homeowners may find Geico’s premiums higher compared to competitors.
Best Mobile Home Insurance Companies
Importance of Mobile Home Insurance
Mobile home insurance offers numerous benefits. While not legally mandatory, many mobile home parks and mortgage lenders require proof of insurance.
Considering the investment in your mobile home, obtaining insurance ensures protection for your property and belongings, mitigating the risk of out-of-pocket expenses for repairs or replacements in case of damage.
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Mobile Home Insurance
Exclusions in Mobile Home Insurance
While not everything is covered, it’s possible to buy extra mobile home insurance coverage as an add-on or part of another type of policy.
Here is what is not covered:
- Normal wear and tear
- Flooding, although you can add on this type of coverage as an extra
- Damage from earthquakes
- Damage from insects or animals
- Damage from using your mobile home for business
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Insurance for Older Mobile Homes
Older mobile home insurance applies to homes built before June 15, 1976. For any home built after this date, you might see it referred to as manufactured home insurance.
Best Mobile Home Insurance: The Bottom Line
The best way to find affordable mobile home insurance is by comparing quotes online. You can use our free tool by entering your ZIP code to get the best mobile home insurance rates from companies near you right now.
Learn more: https://content.naic.org/cipr-topics/homeowners-insurance
Frequently Asked Questions
Do I need mobile home insurance?
What does mobile home insurance cover?
Mobile home insurance covers the mobile home itself, personal belongings, and liability. It typically includes coverage for events like fire, damage from weather conditions, falling objects, and liability for injuries or property damage.
What is not covered under mobile home insurance?
What types of coverage should I consider for mobile home insurance?
How can I find the best mobile home insurance?
Comparing quotes from different insurance companies is the best way to find affordable and suitable mobile home insurance. Use our free tool by entering your ZIP code to access quotes from companies near you.
Do I really need mobile home insurance?
What is mobile home insurance?
Mobile home insurance, like homeowners insurance, covers the dwelling and personal belongings against damage, but policies vary. Assess the potential benefits of combining car insurance with homeowner insurance.
What is not covered under mobile home insurance?
What type of mobile home insurance should I get?
What are the top-rated mobile home insurance companies?
For the best insurance for manufactured homes, consider comparing policies from top-rated insurance companies specializing in mobile home coverage, such as AAA, State Farm, and Travelers. Conduct a mobile home insurance comparison to find affordable options and compare coverage from various insurance companies for mobile homes.
Compare Insurance Providers Rates to Save Up to 75%
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
