Best Mobile Home Insurance in Alabama
- Affordable rates and flexible coverage make Foremost the best mobile home insurance company in Alabama.
- State Farm is a good choice for bundling mobile home insurance with an auto policy.
- Mobile home insurance costs an average of $2,658 a year in Alabama.
Best mobile home insurance in Alabama
Foremost’s cheap rates and flexible coverage help make it the best mobile home insurance company in Alabama. It has a better-than-average complaint score from the National Association of Insurance Commissioners (NAIC)
State Farm and American Modern are other good companies for mobile home insurance.
Best overall: Foremost
Why we chose it: At $2,573, Foremost charges less for mobile home insurance than its other major competitors. The company also insures a wider range of mobile homes than most other companies, with no restrictions on home age. Its 0.7 NAIC rating means it has fewer complaints than average over things like claims.
Who it’s best for: Foremost is best for most mobile homeowners. It caters to a variety of mobile home lifestyles with optional coverages for different needs. These include add-on protections for home-based businesses and hobby farms. Its policies often also cover vehicles like golf carts.
Foremost is part of the Farmers Insurance group. You can get a discount by bundling
Pros
- Cheaper quotes than American Modern and Assurant
- Good NAIC complaint score
- Customizable coverage options
Cons
- Online quotes not available for coastal areas
Best for bundling: State Farm
Why we chose it: State Farm has cheap car insurance in Alabama. This can help make it affordable to bundle your mobile home insurance with a State Farm auto policy.
What it’s best for: State Farm is best for personalized service. With offices in or near most communities, State Farm makes it easy to find an agent near you. The company offers standard coverages most mobile homeowners need, but fewer add-ons than Foremost. Having a newer manufactured home and a home monitoring system can get you discounts.
Pros
- Cheap car insurance can make bundling affordable
- Personalized service from local agents
- Discounts for newer manufactured homes
Cons
- Online quotes not available
Best for online quotes: Assurant
Why we chose it: Assurant offers online mobile home quotes in most parts of Alabama, including coastal areas.
Who it’s best for: Assurant is best for online shoppers since its online quoting system makes shopping a little more convenient. You can find Assurant’s quote form on its own website. However, you can also get Assurant quotes online from Geico, Liberty Mutual and Progressive.
Assurant’s mobile home policies include flood coverage in many parts of the state. Unfortunately, its bad NAIC score means it has more complaints than average for its size.
Pros
- Online quotes provide convenience
- Coverage available in coastal areas
- Flood coverage included in many areas
Cons
- Bad NAIC complaint rating
Mobile home insurance rates and ratings
| Company | Annual rate | NAIC rating* |
|---|---|---|
| Foremost | $2,573 | 0.7 |
| American Modern | $2,661 | 1.4 |
| Assurant | $2,741 | 3.1 |
| State Farm | NA | 1.4 |
How much does mobile home insurance cost in Alabama?
Mobile home insurance costs an average of $2,658 a year in Alabama for manufactured homes. However, rates can vary widely, based on factors like:
- Where you live
- Your mobile home’s age and condition
- Your credit and insurance history
Insurance for mobile and manufactured homes tends to cost more in areas with severe wind and hail. This makes it particularly expensive in coastal areas.
Insurance is slightly different for mobile homes than it is for traditional site-built houses. Most major home insurance companies offer mobile home insurance in some form.
Some companies issue the policies themselves. Others partner with insurance companies that specialize in mobile homes, like Foremost, Assurant and American Modern.
It’s good to compare mobile home insurance quotes from a few companies to make sure you’re getting the best rate.
Insurance challenges for Alabama mobile home owners
Severe storms and rising construction costs have driven up Alabama’s mobile home insurance costs. Insurance companies have raised rates to keep up with their growing claims expenses.
Companies are also becoming more selective over the types of mobile homes they insure. Some companies won’t insure a mobile home with outdated plumbing or a worn roof. This is one reason why it’s good to upgrade features like these when they get old.
You can also often get better insurance rates by anchoring your mobile home to its foundation. Skirting and safety rails for decks and staircases usually also help.
What does mobile home insurance cover in Alabama?
Mobile home insurance covers damage to your home and property from common risks and hazards. These include things like fires, break-ins and burst pipes. Mobile home insurance usually also covers wind and hail damage, except in portions of Baldwin and Mobile counties.
In these areas, you may need to get a separate windstorm policy from the Alabama Insurance Underwriting Association. Your home has to be tied down and have an installation certificate from the Alabama Manufactured Housing Commission.
Mobile home insurance does not usually cover flood damage. Instead, you have to get a separate flood insurance policy to protect against this risk.
Mobile homes can get flood insurance through the government-run National Flood Insurance Program (NFIP). To qualify, your home has to be anchored to a permanent foundation.
How much mobile home insurance do I need?
The amount of mobile home insurance you need depends largely on how you bought your home.
If you have a mortgage, your lender will probably make you insure your home at its replacement value. This is the cost of repairing or replacing it after a total loss.
Most home insurance companies can help you estimate your home’s replacement value, based on its size and other features. You can also get an estimate for this with J.D. Power’s mobile home value report, though the service costs $35.
You can insure your home for less if you own your mobile home outright or have a low loan balance. These options include:
- Actual cash value: Your home’s actual cash value is its present worth based on its age and condition. Actual cash values of mobile homes tend to go down with age.
- Agreed value: This is an amount you and your insurance company agree to when you buy or renew your policy. Your insurance company pays you this amount after a total loss, without a deduction for age and wear.
Actual cash value policies usually cost the least. However, they require you to pay the most out of your own pocket to repair or replace your home after a disaster.
Other insurance coverage for mobile homes
Mobile home policies usually include additional coverages with default limits. It usually doesn’t cost too much to increase these limits for more protection. Here are key tips for making sure your limits are high enough for each of these.
- Personal property: This covers your belongings for theft or damage from covered disasters. It’s usually worth creating a list of your possessions and their value to figure out how much coverage you need.
- Scheduled personal property: Standard policies only provide limited coverage for valuables like jewelry, antiques and some sports equipment. However, it usually doesn’t cost too much to buy extra coverage for specific valuables you may own.
- Loss of use: This covers temporary living expenses if a disaster forces you from your home. Some policies give you 10% of your dwelling limit, which is $7,000 for a $70,000 policy. This is a good start, but a 20% limit is better.
- Personal liability: This covers injuries or damage you cause to others, including legal costs if you’re sued. It’s good to get a limit that matches the combined value of your home and savings. This protects your finances for particularly costly injuries.
- Guest medical payments: This covers a visitor’s initial medical expenses if they’re injured on your property, regardless of fault. Higher limits are generally better, but most default limits are usually enough.
How to compare Alabama mobile home insurance quotes
Comparing quotes is a good way to find the best insurance rate for your mobile home. Consider these tips as you shop:
- Prepare to bundle: Getting mobile home insurance from your car insurance company can get you a generous multipolicy discount. Getting quotes for both policies at the same time lets you compare each company’s combined rate.
- Gather your home’s details: Providing details about your home helps you get the most accurate quotes. These include its model year and size, plumbing materials and roof age.
- Check your coverages: In addition to comparing rates, make sure each quote includes the coverages and limits you need.
- Consider higher deductibles: Raising your deductibles usually lowers your rate. Make sure to keep money in the bank to cover them if a disaster strikes.
- Ask about discounts: Most companies automatically apply some discounts to your quote. Ask about others to make sure none get overlooked.
Frequently asked questions
Mobile home insurance is not required by law in Alabama. However, most lenders require it for a mortgage and other types of loans. Many mobile and manufactured home communities also require residents to insure their homes.
A relatively small number of companies offer mobile home insurance quotes online. These include well-known insurance companies like Geico, Liberty Mutual, Progressive and USAA. Assurant and Foremost, which specialize in mobile home insurance, also offer online quotes.
Manufactured homes are mobile homes built after 1976, when federal construction standards for mobile homes took effect.
The Department of Housing and Urban Development (HUD) established wind zone ratings for manufactured homes in 1994. Mobile homes with a Zone I rating can withstand winds of up to 70 mph. Zone II and Zone III homes are built for winds of up to 100 mph and 110 mph, respectively.
Manufactured homes installed in Baldwin and Mobile counties need a Zone II rating. Homes with Zone I ratings are allowed in the rest of the state.
Methodology
LendingTree obtained mobile home insurance rates from companies with online quotes on Sept. 2, 2026. Quotes were obtained in Elmore, Jefferson and Madison counties for manufactured homes with at least $124,000 in dwelling coverage.
Prices are shown for comparative purposes only. Your rates may be different.
See our editorial guidelines for more details.
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