Are you looking to purchase a mobile home for the first time? Maybe you’re considering switching insurance providers to find a better rate. There are a number of things to consider when looking for an insurance company to cover your mobile home.

Did you know that mobile home insurance is different from home insurance for a traditional home? There are actually a number of traditional insurance companies that don’t provide coverage for mobile homes. That’s why it’s important to find the right company that can provide you with the right coverage.

What Does It Cover?

Before we look at what company might be best for you let’s quickly go over what your mobile home insurance could typically include.

Physical Damage Coverage: If your home is destroyed or damaged from some kind of disasters like a fire, tornado, or downed trees, like traditional home insurance your mobile home will be covered and can be repaired or replaced.

Personal Property Coverage: If your personal belongings are also damaged in a disaster, or say if they are stolen from burglary and theft, the personal property coverage would cover the replacement cost of your belongings as well.

Liability Coverage: Also like traditional, if you are liable for someone being injured on your property, you can be covered for legal fees or other costs you might be responsible to pay.

Trip Collision Coverage: If you ever intend to move your mobile home, some companies may be able to provide you with trip collision coverage in case any kind of accident or damage happens to the home while it is being transported.

Picking An Insurance Provider

So now you need to figure out what company to go with. Comparing rates and deciding on what is going to be best for your home can always be difficult. There are many great resources available online, like Insurify that can help you compare costs from a number of the best insurance providers. We would recommend that you go on today to compare quotes.

With that all being said, in no particular order, here are some of the top-rated mobile home insurance companies.


One of the most trusted insurance providers in general, Allstate, has a number of options for your mobile home. Allstate ranked #3 on Insurify’s “Best Homeowners Insurance Companies of 2021” list. Allstate is known for having a variety of types of insurance coverages, including mobile homes. On top of that they also provide a number of discounts that you may be eligible for. 

You’ll find their standard coverage includes: Dwelling Coverage, Personal Property, Guest Medical Protection, Liability Protection, as well as coverage for Other structures. 


Another excellent option is Assurant. This company is an insurance partner for Progressive, Liberty Mutual, and GEICO. You may find that Assurant is one of the best providers for quickly getting you an online quote and finding what works best for your mobile home. 

The other unique benefit that Assurant offers is that they include flood insurance coverage within their standard mobile home coverage. This is something that you will not find in most homeowners insurance policies.


The last insurance provider that we’ll highlight is Foremost. They claim to be the “#1 market leader for mobile home insurance in the nation”. One benefit of Foremost, which is a Farmers Insurance Company, is that they specialize in mobile home insurance. They have an extensive amount of coverage options to choose from.

Other Providers

Some other insurance providers that cover mobile homes and would be worth checking out are:

  • American Family
  • American Modern (AMIG)
  • Farmers
  • MetLife
  • State Farm
  • USAA

Happy Shopping

As you search for your next mobile home insurance provider we hope that you’re equipped to select the best option. A good insurance provider is important to be a support for you in difficult or disastrous times. Just take your time, research the best options, and reach out to any of the trusted insurance agents who would be more than happy to assist you.

About Dan Leighton

Dan Leighton has been working in the mobile home industry for over a decade. His focus has been on sales and customer relations - making sure each person in the transaction is comfortable and fully transparent. He has a wife and one son. Dan continues to look for innovative ways to help both sellers and parks get the most bang for their buck.