Best mobile home insurance companies for 2025

In many ways, our home serves as the base from which we live our lives. Where we choose to live establishes our community, it affects the people we meet, the friends we make, and can impact who we work with. Given that home plays such an essential role, it’s worth protecting. If your home happens to be attached to a chassis or is manufactured housing on a foundation, it requires specialty insurance. Let’s talk mobile home insurers.

What does mobile home insurance include?

Although often referred to as mobile home coverage, this subset of homeowners insurance extends to manufactured homes, tiny homes, and accessory dwelling units (ADUs) as well. Here are the main categories of coverage:

• Dwelling coverage: Dwelling coverage pays to repair or replace your home or parts of it if it’s damaged. You’ll have to carefully read the policy to determine covered events (like fire or hail). You may need to purchase additional hazard insurance for things like earthquakes and floods.
• Personal property coverage: Personal property coverage pays to replace items that may be stolen like electronics, furniture and any other personal belongings. For valuables like jewelry, you may purchase an insurance rider with higher limits on these items.
• Loss-of-use coverage: Loss-of-use coverage pays for you to rent temporary living space while your home is being repaired, up to maximums defined in your contract.
• Liability coverage: If someone is injured on your property, you can be held responsible. Liability coverage protects you if this type of accident happens. It doesn’t extend to you or members of your household.

How do I get insurance for a mobile home?

You should be able to get a quote for your mobile home insurance online come over the phone, or by meeting with an agent in person. Some of the insurers will have an automated quote they can give you based on some basic questions about your home and desired coverage options. If you opt for a more personal touch, an insurance agent will be able to help you customize a policy tailored to you.

Mobile home insurers of 2025: At a glance

We’ll be breaking down five major mobile home insurers. Your coverage needs are personal and there’s no one-size-fits-all policy. Make sure you pay attention to the bottom-line price. Some insurers will entice you with discounts and incentives. Others just build your risk factors into the quote you’re given.

Mobile home insurers for 2025

Now that you know what to look for, let’s go over the offerings of several mobile home insurers along with the advantages and disadvantages of each carrier.

1. CoverTree

Our sister company CoverTree offers a number of coverage options at a price you can afford. You’re able to get a quote online in minutes.

Pros

• Coverage for damage, personal belongings and personal liability in the event of injury or property damage by you to someone else.
• Coverage for homeowners, renters and landlords
• Easy and rapid online quote process
• Variety of special coverages including incidental farming, trip, equipment breakdown, and identity fraud
• Coverage available for manufactured and mobile homes, tiny homes, ADUs and other structures

Cons

• Although expanding, not quite available nationwide.

2. Foremost Insurance Group

Foremost Insurance Group offers policies that can be customized for your home regardless of make, model or age. They also promote several available discounts.

Pros

The company’s agreed loss settlement pays you the full amount of your insurance policy, minus deductible, if your home is destroyed.

• Alternatively, you can pay for replacement cost coverage, which will replace damaged property with comparable material and quality to what you had before.
• Discounts for new homes, multiple policies, approved park locations and policyholders over age 50
• Policies that are highly customizable

Cons

• Relatively high prices
• The absence of instant online quotes (You’ll receive your quote via email within 2 – 3 business days.)

3. Allstate

In addition to offering mobile home insurance, Allstate offers policies for many different items you may need covered. Because of this, you may save by bundling.

Pros

• Discounts: original owner, multiple Allstate policies, protective devices, age 55 and retired, claim history
• Unique riders, such as musical instruments and electronic data recovery
• Nationwide availability

Cons

• Lack of coverage for loss-of-use
• The need to add riders for outdoor items and landscaping

4. State Farm

State Farm is another carrier that has a fairly wide coverage area. Like Allstate, you may find that you can save on premiums if you have multiple policies with the company.

Pros

• Loss-of-use coverage can include rental income if you rent out your home
• Personal property coverage that applies to your possessions even when they aren’t in the home
• Discounts: Security systems, home age, and history of insuring primary residence with State Farm
• The ability to add coverage for damage from an earthquake or volcanic explosion
• Deductible options that help your policy fit your budget

Cons                                                                                                                                                                                      

• Fewer discounts than some other companies
• Challenges estimating pricing if you don’t get a quote
• No riders for water seepage, flooding or business activity

5. American Family Insurance

American Family Insurance is a seasoned company that offers homeowners, renters and manufactured home insurance. The company provides unique positive features to stand out from its competition, catering to the needs of those who own a manufactured home.

Pros

• Diminishing Deductible coverage reduces the upfront cost of an insurance claim $100 for each year you don’t have a claim (up to $500)
• The Matching Siding coverage allows you to replace damage as well as undamaged siding to match.
• An expansion of water damage coverage with the Hidden Water Damage perk
• Discounts for smart home devices, multiple policies, new homes and more

Cons

• Your deductible being reset when making a claim, which means having to build the diminishing deductible discount again over 5 years
• Extra cost for coverage on additional structures
• May be somewhat regionally limited

Do you need insurance for a mobile home?

There is no legal requirement to have insurance on a mobile or manufactured home. However, lenders will require it if you’re trying to get a mortgage. The loan amount is tied to home value and damaged property needs to be replaced or fixed. Additionally, some insurers write policies on manufactured homes, but not mobile ones. Manufactured homes have HUD tags. They’re built according to federal standards.

Rocket Mortgage^® provides financing for manufactured homes on a permanent foundation. This isn’t the case, however, for true mobile homes, which are defined as those built before June 15, 1976, or those not attached to a permanent foundation.

FAQs about mobile home insurance companies

We’ve given you some starting points to shop, but you may still have questions.

How much is mobile home insurance?

Mobile home insurance in 2025 costs between $700 and $1,500 annually, according to Insure.com. Your mobile home insurance cost depends on several factors, including your location, the age of the home, and added coverage needs.

What does mobile home insurance not cover?

Generally, mobile home insurance policies don’t cover:

• Water damage from floods, backups and sewers
• Wet or dry rot
• Pests
• Earthquakes
• Normal wear and tear

However, you may be able to purchase add-ons to expand your coverage to specific areas.

How do I file a claim for mobile home damage?

You should start by contacting your insurer because they’ll be able to walk you through their specific process. However, generally, you can expect to take photos, gather receipts for damaged belongings, and potentially schedule time for an adjuster to come out, depending on the extent of the damage. If your claim is approved, your insurer will send you a check. In some instances, they may inspect repairs.

Can I switch mobile home insurance providers mid-policy?

You can change your home insurance provider at any point, but beware of termination fees. If you get a prorated refund, it’s important to deposit this in your escrow account if you have one. Contact your mortgage servicer about how to switch carriers properly. Your servicer pays the policy premiums in advance and depositing the check helps avoid an account shortage.

Are there mobile home insurance options for renters?

Renters insurance is an option for mobile and manufactured homes. It should be cheaper because you don’t have to worry about dwelling coverage. However, you do want insurance that’s focused on covering your personal belongings and loss of use. This gives you the flexibility to pay for a temporary place while any repairs are ongoing.

Does coverage extend to vacation homes or second homes?

You can get coverage for a vacation or second home. The main difference here is the expense. It costs more to cover your vacation home because the property isn’t regularly occupied. This presents higher risk for insurers because it can be a long time before damage is mitigated.

The bottom line: Which mobile home insurance is best for you?

Insuring your mobile or manufactured home and the possessions inside can bring you much needed peace of mind. If there’s damage or theft, the insurance is meant to help you put things back together. It’s important to take stock of your needs because there are plenty of optional coverages. Speaking with an insurance agent can help you customize the best policy for you.

Rocket Mortgage does loans on manufactured homes built after June 15, 1976, that are attached to permanent foundations. They must be titled with the land as real property. If you’re in the market for a manufactured home, explore your loan options.