Best Renters Insurance for Mobile Home Tenants
- State Farm has the best renters insurance for most mobile home tenants.
- American Family and Allstate are also good options to consider if you’re renting a mobile home.
- Renters insurance mostly protects your personal belongings in your rented mobile home.
Best renters insurance companies for mobile homes
State Farm has the best mobile home renters insurance for most people. Allstate and American Family are among the other good renters insurance companies for mobile and manufactured homes.
Out of these three companies, American Family has the best complaint rating from the National Association of Insurance Commissioners (NAIC)
Best overall: State Farm
Monthly renters insurance rate: $11
Why we chose it: In addition to affordable rates, State Farm offers useful add-on insurance protections like coverage for sewer and drain backups.
Who it’s best for: Insurance bundlers. State Farm has cheap car insurance and gives you a discount for bundling
PROS
- Cheap renters insurance for mobile home renters
- Low car insurance rates makes bundling affordable
- Useful add-on protections available
CONS
- Bad NAIC complaint score
Best for customer service: American Family
Monthly renters insurance rate: $27
Why we chose it: American Family has a 0.4 NAIC score, which means it has 60% fewer complaints than average. It offers mobile home renters insurance in tiers based on how much coverage you need.
Who it’s best for: Customers who value customer service. American Family’s excellent NAIC score means it usually comes through on claims. The company offers mobile home renters insurance through its own agents in 19 states
American Family offers mobile home renters insurance in policy tiers. The cheapest tier provides basic coverage. The most expensive tier has extras like electrical appliance breakdown coverage. The policies American Family offers through Costco are slightly different.
PROS
- Good customer service
- Basic policy tier offers affordable coverage
- Premium tier has extra protections
CONS
- Other companies have cheaper rates
Best for standard insurance protection: Allstate
Monthly renters insurance rate: $17
Why we chose it: Allstate offers very affordable standard renters insurance that most mobile home tenants would need. Rates can go even lower if you bundle policies.
Who it’s best for: Shoppers who want basic protections. Allstate offers standard renters insurance coverage, but not very many extras. The add-ons it does offer can be useful, though. These include extra protection for any improvements you’ve made to your mobile home and higher limits for jewelry and collectible items.
PROS
- Cheap insurance rates for mobile home tenants
- Discounts for bundling renters and car insurance
- Extra coverage available for jewelry and collectibles
CONS
- Expensive car insurance reduces savings for bundlers
Mobile home renters insurance comparison
| Company | Monthly rate | Complaint score* | LendingTree rating |
|---|---|---|---|
| State Farm | $11 | 1.4 |  4/5 |
| American Family | $27 | 0.4 |  3.5/5 |
| Allstate | $17 | 1.2 | 3.5/5 |
*Complaint scores are from the 2025 NAIC Complaint Index. Lower scores are better; 1.0 is average.
What is mobile home renters insurance?
Mobile home renters insurance covers your belongings in a rented mobile or manufactured home. It also helps cover:
- Temporary living expenses after a disaster
- Costs from injuries or property damage you cause to others
- Medical treatment for an injured guest
Your landlord’s insurance covers structural damage to your mobile home, but not your personal belongings.
What’s the difference between a mobile and manufactured home?
The terms “mobile home” and “manufactured home” are usually used interchangeably, but technically, they are different things. Manufactured homes are mobile homes built after 1976. This is the point when federal building standards for mobile homes went into effect. Mobile homes built since then are generally considered stronger and safer to live in.
How much mobile home renters insurance do I need?
You typically need enough mobile home renters insurance to cover the value of your possessions. Here are key things to know about your coverage options.
Personal property
Also known as contents coverage, this covers your belongings for theft or damage from covered causes like fire. It’s good to create a list of your possessions. Then just add up their combined value to figure out how much coverage you need.
- Some companies cover your possessions at their actual cash value after age and wear.
- Others offer replacement cost coverage, which pays for comparable new items.
Replacement cost coverage costs more but also pays you more for a claim.
Additional living expenses
Sometimes called loss of use, this helps cover temporary living expenses after a covered disaster. Most companies offer this as a percentage of your personal property limit. Higher limits are generally better, but the default limits are often enough.
Personal liability
Personal liability covers costs from injuries or damage that you accidentally cause to other people or their property. These include legal costs, which can come up if a guest or worker is seriously injured at your home.
Many companies offer a default limit of $100,000, but it usually doesn’t cost much to get more. Higher limits help protect your finances if you’re responsible for particularly costly injuries or damage.
Guest medical
This covers initial medical treatment for an injured guest, regardless of fault. These limits usually range from $1,000 to $5,000. This is another type of coverage in which the default limits are often enough.
Add-on insurance for mobile home renters
Most renters insurance companies offer a variety of add-ons that give you extra protections. The most important ones to consider include:
- Scheduled personal property: This gives valuables like jewelry, antiques and sporting goods more protection than a standard policy.
- Water backup coverage: This covers damage from a sewer or drainage backup. For renters, this add-on covers damage to things like rugs and other items you own.
How to get quotes for mobile home renters insurance
Many home insurance companies offer renters insurance to mobile home tenants. These include large national companies like State Farm as well as smaller regional companies.
Some companies offer renters insurance quotes for mobile homes online. Others ask you to fill out an online questionnaire and have an agent follow up with you.
Be sure to select renters insurance when you start an online quote. Otherwise, you may get a quote for the owner of a mobile home. Mobile and manufactured home insurance is typically much more expensive for owners than it is for renters.
Frequently asked questions
Yes. Several companies offer renters insurance for mobile and manufactured homes. This covers your belongings and certain other expenses. It’s different from a mobile homeowners policy or a landlord policy, which covers damage to the mobile home itself.
No. Renters insurance is not required by law for mobile homes. However, mobile home landlords may make you get it for a lease.
Not exactly. If you rent a mobile home, you can get renters insurance for your belongings and other expenses. Mobile home insurance is usually for people who own a mobile or manufactured home. The latter covers structural damage to the home.
Methodology
How we obtain renters insurance rates
LendingTree collected thousands of renters insurance quotes from the largest insurance companies in each state, based on data availability.
We used thousands of renters insurance quotes from across the U.S. for a single 30-year-old renter with no recent renters insurance claims. Your rates may vary. Coverage limits include:
- Personal property coverage: $20,000
- Deductible: $500
- Personal liability: $100,000
- Guest medical protection: $1,000
- Loss of use: $9,000
How we evaluate insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included NAIC’s Complaint Index scores. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims.
Satisfaction ratings are based on J.D. Power 2023 U.S. Homeowners Insurance Study. Complaint ratings are based on NAIC data from 2023.
See our renters insurance ratings methodology and full editorial guidelines for further details.
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