Best Insurance Companies for Mobile Homes in 2026
Foremost is our pick for best mobile home insurance overall, but American Family has the best coverage options.
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- Foremost is the best mobile home insurance company for its flexibility and good service.
- American Family has the best coverage options for mobile homes.
- Progressive is the best company for online mobile home insurance quotes.
Best mobile home insurance companies
Foremost is the best mobile home insurance company for a few reasons. It covers more types of mobile and manufactured homes than most other companies and offers a wide variety of coverage options.
It also has a good complaint score from the National Association of Insurance Commissioners (NAIC)
American Family and Progressive stand out for reasons of their own.
Best overall: Foremost
Why we chose it: Foremost insures a wide range of mobile homes, including older ones. Its 0.7 NAIC score means it has 30% fewer complaints than average.
Who it’s best for: Foremost is best for most mobile homeowners. Its standard policies cover your mobile home at an agreed value
You can start a quote on Foremost’s website, but you usually have to call in to finalize your purchase. This isn’t such a bad thing, because an agent can help make sure you’re getting the right coverage. You can also get Foremost quotes from its parent company, Farmers Insurance, or through Geico, Progressive, USAA or even AARP.
PROS
- Insures more types of mobile homes than most other companies
- Wide variety of coverage options available
- Good NAIC complaint score
CONS
- Online quoting requires phone call to finalize your purchase
Best coverage options: American Family
Why we chose it: American Family offers add-on protections that many other companies don’t. It also has an excellent complaint score from the NAIC, which indicates most customers are happy with its service or how the company handles claims.
What it’s best for: American Family is best for long-term protection. It offers add-on protections, like coverage for hidden water leaks and extra coverage for roof repairs, that can save you money in the long run.
The company’s optional “diminishing deductible” feature reduces your deductible at no cost if you avoid claims. This can reduce your out-of-pocket costs if you eventually do have a claim.
PROS
- Extra protections for water leaks and roof repairs
- Excellent NAIC complaint rating
- Deductible reductions available for avoiding claims
CONS
-
Only available in 19 states
American Family is available in AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA and WI.
Best for online quotes: Progressive
Why we chose it: Progressive offers its own mobile home insurance as well as policies from other companies. Its website can show you quotes from a few different companies side by side.
Who it’s best for: Progressive is best for comparison shoppers. Getting quotes from multiple companies at the same time takes some of the legwork out of insurance shopping. Progressive’s website shows its rate and prices from other companies like Foremost, Assurant and American Modern.
PROS
- Offers online quotes from multiple companies
- Prices and coverage options shown side by side
- Live assistance available by phone
CONS
- Receives a lot more complaints than average
Mobile home insurance company ratings
American Family has the best complaint score among major mobile home insurance companies. It receives less than half as many complaints as average, according to the NAIC.
A good AM Best rating means a company is generally well-run and has the ability to pay out claims. Foremost and American Family each have an A rating, which is one notch below A+ but still considered excellent. An A+ rating, and the highest, A++, are optimum.
| Company | Complaint rating* | Financial strength rating* | |
|---|---|---|---|
 | Allstate | 1.2 | A+ |
| American Family | 0.4 | A |
 | American Modern | 1.4 | A+ |
 | Assurant | 3.1 | A+ |
 | Foremost | 0.7 | A |
| Progressive | 1.8 | A+ |
 | State Farm | 1.4 | A+ |
How much does mobile home insurance cost?
Mobile home insurance usually costs, on average, between $700 and $2,500 per year. Your actual rate depends on factors like your location, the amount of coverage you need and your home’s condition.
It’s good to compare mobile home insurance quotes from a few companies to find the best rate.
Mobile home insurance tends to cost more in areas exposed to extreme wind, hail and/or coastal storms.
Which companies offer mobile home insurance?
Most companies that insure standard homes also insure mobile and manufactured homes.
Some companies offer their own policies. Others get you coverage through insurance companies that specialize in mobile homes.
For example, Liberty Mutual offers mobile home policies from Assurant. Geico works with Assurant, American Modern, Foremost and Safe Harbor. USAA offers mobile home insurance from American Modern and Foremost.
The age of your mobile home can impact how easy it is to insure it. Some companies only insure manufactured homes, which are mobile homes built after 1976
What does mobile home insurance cover?
Mobile home insurance generally covers damage to your home and belongings, plus certain other expenses.
You usually need HO-7 insurance if you live in a mobile home that you own. An HO-7 is a form of homeowners insurance designed for mobile and manufactured homes. It usually includes the following coverages.
Dwelling
Dwelling coverage pays to repair structural damage to your mobile home. Companies typically give you a few options on how to insure your mobile home. Your options may include:
- Replacement cost value: This pays to replace your home with a new one after a total loss. You usually need replacement cost coverage if you have a mortgage on a mobile home.
- Actual cash value: This insures your home at its present value, based on age and wear.
- Agreed value: This is a value that you and your insurance company agree upon. It’s usually an amount between your home’s replacement cost and its actual cash value.
Replacement value coverage costs the most because it provides the most protection. Actual cash value coverage is the cheapest option.
Personal property
Personal property covers your belongings, including furniture, clothes, recreational gear and other possessions. Most policies only offer limited coverage for valuables like jewelry. However, you can usually purchase add-on coverage with higher limits for these types of items.
Loss of use
Loss of use covers some temporary living expenses if a covered disaster forces you out of your home. Higher limits are generally better, though the default amounts most companies offer are usually enough.
Personal liability
Personal liability covers injuries and damage you accidentally cause to other people or their property. This includes lawsuits from a person who claims your neglect led to their injuries.
Most companies offer liability coverage with default limits of $50,000 to $100,000. It usually doesn’t cost too much to raise these amounts. It’s generally good to choose an amount that matches the combined value of your home and savings.
Guest medical expense
Guest medical pays to treat injuries a guest suffers while visiting your home, regardless of fault. The default limits that companies offer are usually enough for this coverage.
Add-on mobile home coverage
Most companies offer endorsements, or optional add-ons, for more protection. Useful ones include:
- Scheduled personal property coverage for valuable items like jewelry and antiques
- Water backup coverage for potential backups of your sewer, drainage or septic system
- Trip coverage for potential damage if you need to move your mobile home
Best mobile home insurance discounts
Discounts can make mobile home insurance rates more affordable. Most companies will automatically apply some qualifying discounts to your quote. But it’s still good to ask about any others to be sure none get overlooked.
Bundling
Getting your car insurance from your mobile home insurer usually gets you a generous multipolicy discount. Foremost will give you a discount for adding its insurance for boats and ATVs to your mobile home policy.
Older homeowners
Foremost and Allstate are among the companies that offer discounts to older mobile homeowners. You just have to be 50 or older to get this discount from Foremost. With Allstate, you need to be over 55 years old and retired.
Home age
Many companies have discounts for newer manufactured homes. For example, American Family offers a discount for manufactured homes that are less than 4 years old.
Home safety devices
Fire and burglar alarms can often also get you a discount on mobile home insurance. Wireless systems that can send alerts to your smartphone can often also help you save.
Frequently asked questions
Yes, but restrictions apply. The Federal Emergency Management Agency (FEMA) only offers government flood insurance mobile homes that are anchored to a permanent foundation.
Mobile home insurance is not required by law. However, your lender may require it for a mortgage. Some mobile home parks and communities also require it.
You normally need HO-7 insurance if you live in a mobile or manufactured home that you own. This is similar to standard home insurance for site-built homes. You can usually get a landlord’s policy for a mobile home you rent out to someone else. You typically just need renters insurance if you’re a tenant in someone else’s mobile home.
Methodology
LendingTree compared policy offerings, discounts and customer service from leading mobile home insurance companies.
- Rates for California mobile homes were obtained from the California Department of Insurance on Aug. 26, 2026. Quotes were for policies with $100,000 in dwelling coverage.
- Texas rates show the average for mobile home insurance quotes for homes with $100,000 to $160,000 in dwelling coverage obtained on Aug. 27, 2026.
- Florida rates are based on the average cost of policies in force as of June 30, 2026.
Rates are shown for comparative purposes only. Your actual rate may be different from those shown here.
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