Owing to the rise in popularity of mobile phone homes, it’s important for mobile homeowners to know the best mobile home insurance companies of 2023 and have insurance coverage that protects their investment and provides peace of mind in the event of unexpected damage or loss.
That is why we will be discussing the best mobile home insurance companies of 2023, based on factors such as coverage options, customer service, and affordability.
Mobile Home Overview
A mobile home, also known as a manufactured home, can have unique advantages over a traditional home or condo, such as lower purchase prices and flexibility in your home’s location. However, it usually requires a unique form of insurance rather than a standard homeowners insurance policy since it has significant structural differences.
At flexyinfo.com, we have analyzed the top homeowner’s insurance companies on the market and compared their mobile home insurance policies to assist you find the best one for you and your manufactured home.
What Does Mobile Home Insurance Cover?
Mobile home or manufactured home insurance covers most of the same things as normal homeowners insurance, just with modified coverage levels. Here are those typical types of coverage and what they imply:
- Dwelling coverage: This is the amount the provider will spend for your mobile home’s structural repairs or replacements. It’s usually equal to the total replacement cost of the home so that it can be fully rebuilt if it’s ever damaged by a covered peril.
- Personal property coverage: This is the amount dedicated to paying for your personal belongings, such as your furniture, clothes, and electronics, if they’re ever harmed, ruined, lost, or stolen during a covered event.
- Liability coverage: This coverage pays for legal fees or medical costs you could be held responsible for if an individual visiting your mobile home gets injured.
- Medical payments to others: This assists to pay for the medical bills of guests in your home that get injured even when it’s not your responsibility.
- Loss of use coverage: This coverage is typically known as additional living expenses (ALE) coverage. It covers costs you could incur if your mobile or manufactured home is considered uninhabitable after a covered peril. Your provider will pay these fees while your home is being repaired or rebuilt.
- Other structures coverage: You can buy this coverage type if your property has structures you’d like covered under your policy that aren’t linked to your mobile home, such as a fence or a backyard shed.
These plans can be utilized during a claim from a wide range of covered events or perils, such as a fire, snowstorm, severe thunderstorm, burglary, or theft. You can also typically add coverage from most providers for identity theft protection and replacement cost coverage, but each insurance outfit offers its own unique array of endorsement options.
Top 5 Best Mobile Home Insurance Companies
After in-depth research due to the rise of Mobile home’s popularity in recent years as an affordable housing option for many people, we found the following to be the best mobile home insurance providers:
1. Allstate Mobile Home Insurance
This is a well-known insurance company that provides mobile home insurance coverage. Their policies include coverage for damage caused by fire, theft, and weather-related events. Allstate also offers a range of optional add-ons, such as personal property coverage and liability protection.
Customers can take advantage of Allstate’s digital tools to easily manage their policies and file claims. Allstate’s customer service is also highly rated, with knowledgeable representatives available to assist customers with any questions or concerns.
2. State Farm Mobile Home Insurance
another popular insurance company provides mobile home insurance coverage with policies that include coverage for damage caused by fire, wind, hail, and other weather-related events.
They also offer additional coverage options, such as liability protection and personal property coverage. Customers can take advantage of State Farm’s mobile app to manage their policies and file claims. State Farm’s customer service is also highly rated, with representatives available to assist customers 24/7.
3. Farmers Mobile Home Insurance
Farmers is a well-respected insurance company that offers mobile home insurance coverage. Their policies contain coverage for damage caused by fire, lightning, wind, and other weather-related events. Farmers also offer a range of optional add-ons, such as liability protection and personal property coverage.
Customers can easily manage their policies and file claims using Farmers’ online tools. Farmers’ customer service is also highly rated, with representatives available to assist customers with any questions or concerns.
4. American Family Mobile Home Insurance
American Family is a top insurance company that offers mobile home insurance coverage. Their policies incorporate coverage for damage caused by fire, wind, hail, and other weather-related events. American Family also offers a range of optional add-ons, such as liability protection and personal property coverage.
Clients are able to utilize their policies and file claims using American Family’s online tools. American Family’s customer service is also highly rated, with knowledgeable representatives available to assist customers with any questions or concerns.
5. Nationwide Mobile Home Insurance
Nationwide is a trusted insurance company that offers mobile home insurance coverage. Their policies include coverage for damage caused by fire, theft, and other weather-related events. Nationwide also offers a range of optional add-ons, such as personal property coverage and liability protection.
Moreover, the company’s online tools provide customers with the avenue to manage their policies and file claims. Nationwide’s customer service is also highly rated, with representatives available to assist customers with any questions or concerns.
Brief
In all, there are several insurance companies that offer mobile home insurance coverage, each with its own unique features and benefits. When selecting an insurance company, it’s important to consider factors such as coverage options, customer service, and affordability.
Allstate, State Farm, Farmers, American Family, and Nationwide are all highly rated mobile home insurance companies that provide comprehensive coverage and excellent customer service. When selecting one of these top mobile home insurance companies, mobile homeowners can have peace of mind knowing that their investment is protected.
