How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Foremost is the specialist leader, writing manufactured home policies since 1952, with extended replacement cost up to 20 percent above the dwelling limit.
- Progressive and Allstate suit owners who want to bundle a manufactured home policy with auto coverage and manage everything in one app.
- American Modern is the best pick for older, seasonal or vacant manufactured homes that standard carriers decline.
- American Family and Farmers compete on discounts and local agents, which matters when claims need a person rather than a portal.
- Your home's age, anchoring, roof condition and location affect eligibility and price more than the carrier's headline discount.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Foremost | Overall manufactured home coverage | See website | No |
 Progressive | Bundling with auto insurance | See website | No |
 Allstate | Retirees and bundle discounts | See website | No |
 American Modern | Older and seasonal homes | See website | No |
 American Family | Discounts and local agents | See website | No |
 Farmers | Endorsements and agent service | See website | No |
 Assurant | Comprehensive manufactured home coverage | See website | No |
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The best mobile home insurance companies
Starting priceSee website
Free planNo
Foremost, part of Farmers Insurance, has written manufactured home policies since 1952 and insures more than a million mobile home residences across the United States. Its standout feature is extended replacement cost coverage, which pays up to 20 percent above your dwelling limit if your home is a total loss. In a market where rebuilding costs have risen sharply, that buffer can decide whether a payout actually replaces the home. Foremost also offers add-ons such as debris removal and food spoilage, and it accepts applicants with credit challenges that other carriers decline.
The drawback is the quote process. You submit your details online and receive a quote by email, usually within about 24 hours, rather than binding coverage instantly. Foremost also relies on agents for much of its distribution, so the experience varies by agent. If you want the deepest manufactured home expertise and you can wait a day for a quote, Foremost is the natural first call.
What we like- Extended replacement cost up to 20 percent above the limit
- Writes older homes
- AARP-endorsed program
Watch out for- No instant online quote
- Quotes typically arrive by email within about 24 hours
Starting priceSee website
Free planNo
Progressive is the convenient choice for owners who already insure a car with the company or who want a fast online quote. You can get a manufactured home quote online in most states, bundle it with auto coverage for a discount, and manage policies and claims through a well-regarded app. Progressive's size also means claims service is available around the clock, which matters after storm damage when timing is urgent.
The limit is specialization. Progressive writes manufactured homes as part of a broad property portfolio, not as its core business, so endorsement options and underwriting appetite vary more by state than at Foremost or American Modern. Older homes and homes in high-risk coastal areas may face tighter terms. Progressive fits best when bundling, online convenience and fast quoting matter most, and your home is a newer unit on a permanent foundation.
What we like- Easy online quoting
- Bundle discounts with auto
- Strong claims app and 24/7 service
Watch out for- Manufactured home coverage is not its specialty
- Availability and options vary by state
Starting priceSee website
Free planNo
Allstate suits manufactured home owners who want a local agent and a bundle. The company offers manufactured home coverage in many states, with discounts for bundling home and auto, protective devices, claims-free history and other factors. Its app handles payments, ID cards, claims and policy documents, and its agent network gives retirees and first-time buyers a person to call when a claim or a coverage question comes up.
Availability is the caveat. Allstate does not write manufactured homes everywhere, and older units or homes in storm-exposed areas may be quoted higher or referred elsewhere. The company also prices on a wide set of factors, so two neighbors can receive very different quotes. Allstate is worth quoting alongside Foremost if you value an agent relationship and already bundle, but it should not be your only quote.
What we like- Bundle discounts with auto
- Local agent network
- App-based policy management and claims
Watch out for- Manufactured home availability varies by state
- Pricing can be higher for older units
Starting priceSee website
Free planNo
American Modern has written manufactured housing since 1949, longer than any other carrier on this list, and that history shows in its appetite. It writes older homes that other companies decline, and it handles vacant and seasonal policies, which suits owners of a Gulf Coast unit that sits empty part of the year or a retirement home used seasonally. Its specialty endorsements cover the situations manufactured home owners actually face, from trip and collision during transport to adjacent structures.
The claim settlement method needs careful reading. American Modern does not offer true replacement cost on total losses. Claims settle at the stated value of the home with no depreciation taken, which sounds similar but is not the same, and partial losses default to actual cash value unless you buy a replacement cost upgrade. If your home is older or seasonal and other carriers have declined you, American Modern may be the only practical option, and the stated value terms are the price of that access.
What we like- Writing manufactured housing since 1949
- Covers older, vacant and seasonal homes
- Specialty endorsements
Watch out for- Total losses settle at stated value rather than true replacement cost
- Partial losses default to actual cash value
Starting priceSee website
Free planNo
American Family, known as AmFam, competes on the combination of local agents and discounts. Bundling home and auto can save up to 40 percent across both policies according to the company's current marketing, with additional discounts for protective devices, autopay and paperless billing. You can start a quote yourself online or work with an agent, and the MyAmFam app handles bills, ID cards and claims. For owners in AmFam states, that mix of agent access and discount depth is appealing.
The limit is geography and appetite. American Family does not write manufactured homes in every state, and older units may face stricter inspections or higher prices. Discounts also vary by state, property and the company underwriting the policy, so the headline bundle figure is not a quote. Get a real quote if AmFam serves your state, and compare it against Foremost on total coverage, not on discount percentage alone.
What we like- Bundle savings with auto
- Local agents and online quoting
- Discounts for protective devices and claims-free history
Watch out for- Manufactured home coverage limited to certain states
- Older homes may face stricter underwriting
Starting priceSee website
Free planNo
Farmers is the parent of Foremost, and its own manufactured home policies share some of that DNA while adding the Farmers agent network and endorsement menu. Owners can add coverages for personal property, adjacent structures, loss of use and other risks, bundle with auto for savings, and manage claims through the redesigned Farmers mobile app. A free coverage review of your current policy, whoever it is with, is a useful starting point if you are unsure what you already have.
The experience is agent-led in many cases, which is a plus for advice and a minus for speed if you wanted an instant online quote. Pricing also varies widely by state and by storm exposure, so a Farmers quote in one state says little about another. Farmers fits owners who want an agent to walk through endorsements and who already bundle, while Foremost remains the sharper choice for pure manufactured home specialization.
What we like- Broad endorsement options
- Local agents
- Bundle savings with auto
- Mobile app for claims
Watch out for- Manufactured home quoting runs through agents in many cases
- Pricing varies widely by location
Starting priceSee website
Free planNo
Assurant is a large specialty insurer whose manufactured home coverage often reaches owners through lenders, housing communities and partners rather than through a direct quote form. Its programs cover dwelling, personal property, liability and additional living expenses, and its scale supports claims handling across the country. For owners whose lender or community already works with Assurant, the coverage is comprehensive and the placement process is simple.
The drawback is access. If you want to shop Assurant directly and compare a quote yourself, the path is less clear than with Progressive or Allstate, and you may be routed through a partner. Assurant still earns a place because many manufactured home owners already hold its coverage through a lender, and its programs cover situations, such as lender-placed insurance, that the direct carriers handle differently. Ask your lender or community manager whether Assurant is an option before assuming it is out of reach.
What we like- Comprehensive coverage options
- Lender-placed and specialty programs
- National presence
Watch out for- Often sold through lenders or partners rather than direct
- Direct quoting is less straightforward
How we chose
We compared these carriers on manufactured home specialization, replacement cost and settlement methods, availability for older and seasonal homes, bundling and discounts, agent versus online distribution, and financial strength ratings. We read each carrier's own homepage and public product pages, plus recent independent comparisons of manufactured home insurers, and we favored carriers that actively write manufactured homes today. We did not claim hands-on claims experience, and we did not quote prices, since manufactured home premiums depend on home age, location, anchoring, roof condition and coverage choices. This article is general information, not insurance advice. Get quotes for your specific home and compare the policy documents, not just the premiums.
What decides your premium and eligibility
Manufactured home insurance is priced on the home itself more than on the carrier's brand. Age is the first filter, since pre-HUD-code homes and older single-wides face the tightest appetite. Anchoring and tie-down systems, roof age and condition, foundation type, and whether the home sits in a park or on private land all affect eligibility. Location adds wind, hail, flood and wildfire exposure, and coastal homes may need separate wind or flood coverage that a standard policy excludes.
Replacement cost versus actual cash value
This is the most expensive detail to get wrong. Replacement cost pays to rebuild or replace with similar materials, while actual cash value subtracts depreciation, which can leave a large gap on an older home. Extended replacement cost, offered by Foremost, adds a percentage above the dwelling limit for rebuilding cost overruns. Read the settlement section of any quote and confirm which method applies to total losses and to partial losses separately, since carriers often treat them differently.
Bundling, discounts and deductibles
Bundling home and auto usually saves money, but the saving only matters if the underlying coverage is right. Ask about discounts for tie-downs, storm shutters, monitored alarms, claims-free history and newer roofs, and check whether a higher deductible meaningfully lowers the premium. A wind or hail deductible may be a percentage of the dwelling limit rather than a flat amount, so a 2 percent deductible on a $100,000 home is $2,000, not $500.
Flood and wind are often separate
Standard manufactured home policies typically exclude flood, and in coastal areas wind may be limited or placed with a state plan. If your home sits near water or in a hurricane zone, ask explicitly about flood and wind coverage and get a separate flood quote if needed. A policy that looks cheap because it excludes the risk you most face is not a bargain.
Frequently asked questions
What is the best mobile home insurance company overall?
Foremost is the most common overall pick, because it specializes in manufactured homes, writes older units and offers extended replacement cost. Progressive and Allstate are strong alternatives if you want bundling and online convenience. The best carrier for you still depends on your home's age, location and foundation.
How much does mobile home insurance cost?
Premiums vary widely by state, home age, value, location and coverage, so a single average is misleading. Newer double-wides on permanent foundations in low-risk areas cost far less than older single-wides in coastal zones. Get at least three quotes for your specific home and compare coverage, not just price.
Does mobile home insurance cover flood damage?
Standard policies typically exclude flood, so you usually need a separate flood policy. The same applies to some wind risks in coastal areas, where coverage may come from a state wind plan. Ask your agent or carrier explicitly about flood and wind before assuming you are covered.
Can I insure an older mobile home?
Yes, but options narrow with age. Foremost and American Modern are the most willing to write older manufactured homes, though inspections of anchoring, wiring, plumbing and roof condition are common. Pre-HUD-code homes, built before 1976, face the tightest market and may need a specialty carrier or state program.
Is mobile home insurance required?
It is usually required if you have a mortgage or a loan secured by the home, and many parks and communities require it as well. Even without a requirement, it protects against fire, storm, theft and liability claims that could otherwise wipe out the value of the home. Lenders typically require coverage at least equal to the loan balance.
Sources we checked (7)
- https://foremost.com/
- https://www.progressive.com
- https://www.allstate.com
- https://www.amig.com/
- https://www.amfam.com/
- https://www.farmers.com/
- https://www.assurant.com
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.