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In the eyes of zoning and authorities, your house may be a manufactured or mobile home. To you, it’s merely your home. If anything happened to this home, the consequences could be disastrous.

A fire, violent storm, or another kind of damaging event may leave you without a place to live, and unless you have adequate mobile home insurance coverage, the costs of being without your home can add up quickly, becoming prohibitive and throwing your life off track.

Mobile home policies, at least for stationary manufactured homes rather than recreational vehicles or trailers, are very much like standard homeowners policies, created with the relatively small, assembled off-site houses in mind.

The Insurance Information Association did note that some manufactured home policies are based on a “stated value” rather than the cash or replacement value of the mobile home.

You should review these policies often to make sure that value matches up with what you would need to pay to repair or replace the house.

6 Best Mobile Home Insurance Companies: Get Quotes & Compare Coverage Today

The following are six of the top-rated mobile home insurance companies from ConsumersAdvocate.org to consider when shopping for home coverage for your manufactured house.

These are providers that are active around the country, each offering a different selection of coverage options and discounts. As with any insurance purchase, shopping around is a great idea.

Not only may the first provider you consider not be the best option for you, but there could be significant room to negotiate with agents from these companies.

1. Farmers Insurance

Farmers Insurance is one of the leading providers in the U.S., with impressive financial strength and market share.

The company’s high financial ratings – A from Standard & Poor’s, A2 from Moody’s and A+ from A.M. Best, go along with its stature as the No. 9 property and casualty insurer in the country.

Farmers has drawn a notably low number of consumer complaints given its size and prominence, which may bode well for your ability to have a frictionless mobile home insurance experience.

Farmers was founded in 1928, and it has shown resilience and stability over the years. While Farmers offers basic types of home coverage, with little deviation from industry norms, it accompanies these products with discounts that may prove valuable.

For instance, multi-policy savings may help you secure a reasonable rate if you have an life or auto insurance policy with Farmers, or are in the market for new car or life coverage.

Mobile home coverage from Farmers is similar to its standard house policies. The company suggests several reasons why you may have chosen a manufactured home, from the superior convenience of living in a well-maintained park to the optimal use of rural land.

Farmers also lists potential problems that may beset a mobile home, from an injury on the property to destruction from lightning, wind, or a landslide.

The liability and property damage products offered by Farmers Insurance can help you cope with these various threats to your mobile home’s integrity.


2. Allstate

Allstate is even larger than Farmers, holding a place as the No. 4 property and casualty insurer in the U.S. Allstate has a long history of financial strength and stability.

It was founded in 1931 as a part of Sears, but the insurer split from that retail chain in 1995 and has therefore not suffered the financial pains that have afflicted Sears in recent years. It has an A+ financial strength rating from Standard & Poor’s and an A+ from A.M. Best.

Allstate’s status as one of the leading automotive insurers means it may be possible to bundle mobile home coverage with a car policy and save money.

In addition to multi-policy discounts, the company offers claims-free rewards if you spend a long time without making a claim, as well as an early signing discount for those who don’t wait for an old policy to expire before agreeing to a new one.

Allstate earned a spot on the 2018 Civic 50, which recognizes socially responsible companies.

When it comes to manufactured home coverage, in particular, Allstate offers plenty of specific information and potential discounts. If you are the original titleholder of a mobile home, for instance, you could qualify for up to a 5% annual discount.

If you commit to installing a security system in your manufactured home, it may make you eligible for up to 15% off of your bill. The 55 and retired discount could knock an extra 10% off your price tag if you’re a retiree over the age of 55.


3. USAA

Some insurers aim their coverage at specific clientele, offering special discounts and products that suit these individuals. That’s the case with USAA and military members and their families.

If you’ve ever served in the armed forces, this insurer may be the right choice for you, with standard property and liability coverage joining a list of unique special offers. The insurer’s financial strength ratings are impressive, with an A++ from A.M. Best, an Aa1 from Moody’s and an AA+ from Standard & Poor’s.

Despite the specific focus of USAA on service members and their families, the company is a leading property and casualty insurer nationwide, ranking No. 8 on the list of most prominent companies in the space.

As with many other insurers, the primary discounts associated with USAA coverage are for individuals who have coverage for a long time and those who take out multiple policies. Among veterans and service members, USAA is also a leading auto insurance provider.

One point to consider is that the mobile home plans offered through USAA come from a partner company, rather than USAA itself. The insurer points to this as a positive, combining the third party’s manufactured home experience with USAA’s military-focused customer experience.

The manufactured home products offered under this arrangement include the same type of coverage you can expect for standard houses. The structural damage and personal property coverage associated with these policies cover accidental damage and vandalism.

There is also personal liability coverage to minimize the costs of a lawsuit that comes from injury on your property.


4. State Farm

best mobile home insurance companiesWhile other insurers may claim to be huge nationwide competitors, none is quite as large as State Farm, the No. 1 property and casualty insurer in the U.S. by volume.

The company has the type of robust financial strength numbers that come with a 10.05% market share: A.M. Best gives State Farm an A++, while its Moody’s rating is an Aa1 and it holds an AA from Standard & Poor’s.

The policy types offered by State Farm meet industry standards, with dwelling and personal property protection joined by living expense coverage in case you have to spend time away from your damaged home.

State Farm has an NAIC complaint rating of 0.76, meaning that despite its size the company fields less upheld consumer complaints per capita than the industry median.

Some of the consumer scores around State Farm are more mixed, with its A- rating from its local Better Business Bureau reflecting the fact that the company has faced some legal action from state and federal governments, making financial settlements in recent years.

State Farm’s manufactured home offerings come from the same kind of quote-generating portal as its more general homeowners products, and they cover the same general areas you’ll find in other house coverage options.

This encompasses personal property, liability in case of injury, and the structure of the mobile home. State Farm acknowledges that a manufactured home has the same role in a homeowners life as any other kind of house: It is a person’s No. 1 investment, making adequate coverage essential.


5. Farm Bureau

The American Farm Bureau Federation was founded in 1919 to assist farmers with their profitability and ease of living. The organization has developed insurance as one of its many products and advocacy services on behalf of the agricultural community.

Rather than acting as one monolithic insurer, the Farm Bureau operates as a series of affiliated companies across the country. Each state is listed separately among the top property and casualty insurers, so it is hard to measure the national organization’s overall reach. However, several states are in the top 100, implying an impressive scale.

Just as it can be tricky to determine the full scale of the Farm Bureau network, your experience with its affiliates may vary from state to state.

Some Parts of the company have secured measures of trust, however, with the Farm Bureau Financial Services, headquartered in Iowa, earning an A+ from its local BBB.

The company does offer an overview of its mobile home coverage, with some specialized options that go deeper into particulars than competitors do.

For example, the Farm Bureau explains that its network typically covers new mobile homes, those less than five years old. There are also add-on products including residential equipment breakdown coverage that may take effect in situations that don’t destroy the whole home but do leave appliances such as your refrigerator inoperative.

Coverage may include property damage and legal liability, and the Farm Bureau notes that these components may be purchased separately as well as bundled in an umbrella plan.


6. Progressive

A leading auto insurer with ubiquitous nationally known ad campaigns, Progressive is the No. 5 property and casualty insurance company in the U.S. by volume.

Progressive’s strong financial fundamentals underscore its ability to protect both cars and homes, with an AA from Standard & Poor’s, an Aa2 from Moody’s and an A+ from A.M. Best. The company’s local BBB has assigned it an A- ranking.

As you may expect from a company active in the auto space, you can apply for significant discounts if you bundle your car coverage with your house. The options for combinations go beyond one car and one house, with boats, motorcycles and recreational vehicles also entering the picture.

If you have two types of mobile home – a manufactured house and an RV – Progressive may be the company you turn to insure them both. Other discounts include advantages when you go paperless and savings associated with new construction or alarm systems.

Progressive’s manufactured home coverage can extend to include additions such as carports and porches. The insurer may also cover detached structures on the property.

If you purchase replacement cost coverage, your policy will account for depreciation and betterment over time and insure you can afford to replace damaged property.

The insurer also touts the ability to customize your coverage options, choosing a deductible and payment style that fits you.


Consider These Insurance Providers and More

These mobile home insurance companies and others are potential matches for your needs. Wherever you live, you have numerous options – it pays to shop around and compare offers.