If you own a manufactured home, having the right insurance coverage is just as important as for any traditional homeowner. Manufactured homes can face unique risks like wind damage, fire, or theft — and not every insurance company offers policies designed specifically for them. Finding the best manufactured home insurance companies can give you peace of mind, affordable protection, and financial security when something unexpected happens.
In this guide, we’ll cover the top insurance companies for manufactured homes, what they offer, what to look for in a good policy, and how to choose the right one for your needs.
What Is Manufactured Home Insurance?
Before diving into the list of the best manufactured home insurance companies, it’s important to understand what this type of coverage actually does.
Manufactured home insurance (sometimes called mobile home insurance) works much like standard homeowners insurance. It protects your home, your personal belongings, and provides liability coverage if someone gets injured on your property.
A good policy typically includes:
- Dwelling coverage to repair or rebuild your home after covered events like fire, storms, or vandalism.
- Personal property coverage for items like furniture, clothing, and electronics.
- Liability protection in case someone is hurt on your property.
- Additional living expenses to help pay for temporary housing if your home becomes unlivable after a covered loss.
However, since manufactured homes are built differently and often located in specific communities, some insurers provide tailored coverage for these unique situations.
1. Foremost Insurance: A Top Choice for Manufactured Homes
Foremost Insurance, a Farmers company, is often ranked among the best manufactured home insurance companies because it specializes in this type of coverage.
Foremost offers flexible policies designed specifically for mobile and manufactured homes, whether they’re owner-occupied, rented out, or seasonal.
Why homeowners like Foremost:
- Comprehensive coverage tailored for manufactured homes
- Optional flood and earthquake coverage
- Replacement cost options
- Discounts for safety features like smoke detectors and security systems
Foremost also has a solid reputation for customer service and easy claims processing.
Allstate: Reliable Coverage with Nationwide Reach
Allstate is another well-known name among the top manufactured home insurance companies. With its wide network and dependable customer support, it’s a strong choice for homeowners who want both reliability and flexibility.
Allstate’s manufactured home insurance typically covers dwelling damage, personal property, and liability. The company also offers optional coverage for water backup, identity theft, and scheduled personal items.
Why choose Allstate:
- Nationwide availability
- Multiple discounts, including bundling with auto insurance
- Easy online tools for managing policies
- Strong financial backing and claims support
If you already have an auto or renters policy with Allstate, bundling can save you a significant amount each year.
American Modern Insurance: Expert in Manufactured and Mobile Homes
American Modern Insurance specializes in property insurance for unique homes — including manufactured, mobile, and modular homes.
It’s one of the best manufactured home insurance companies for people who want flexible options and fast claims service.
What makes American Modern stand out:
- Offers both replacement cost and actual cash value coverage
- Optional coverage for water damage and personal liability
- Protection even for older manufactured homes
- Customizable deductibles and policy features
American Modern’s experience with non-traditional homes gives it a strong edge over general insurers that don’t fully understand this market.
State Farm: Trusted Brand with Custom Options
State Farm has earned its reputation as one of the most trusted insurance providers in the U.S., and that extends to manufactured home insurance as well.
While not all State Farm agents offer manufactured home coverage, those who do provide policies that mirror the same high-quality protection found in their traditional homeowners insurance.
Reasons to consider State Farm:
- Excellent financial strength and claims reliability
- Discounts for combining home and auto insurance
- Personal guidance from local agents
- Wide range of add-ons and custom coverage options
State Farm is ideal for homeowners who prefer face-to-face service and long-term relationships with a local agent.
Progressive: Affordable and Flexible Manufactured Home Coverage
Progressive is another top pick for manufactured home insurance due to its flexibility, affordability, and simple online quote process.
Progressive’s manufactured home policies are provided through its partner, Assurant, which has years of experience insuring mobile and manufactured homes.
Progressive policy highlights:
- Replacement cost or actual cash value options
- Protection for detached structures, like sheds or decks
- Personal liability coverage
- Easy online claims filing and 24/7 support
Progressive is especially attractive for customers who already have auto insurance with them — bundling can lead to substantial savings.
Assurant: Specialized Protection for Manufactured Homes
Assurant is a leading name in manufactured and mobile home insurance, known for its specialized coverage and fast claims handling.
Assurant provides protection for owner-occupied homes, rental units, and vacation homes. It offers flexible coverage options that can be customized based on your home’s location and value.
Assurant benefits:
- Extensive experience in mobile and manufactured home insurance
- Coverage available nationwide
- Optional flood and earthquake protection
- Competitive rates and easy policy management
If your home is in an area prone to natural disasters, Assurant’s policies are particularly worth looking into.
How to Choose the Best Manufactured Home Insurance Company
Finding the right insurance company isn’t just about price. When comparing the best manufactured home insurance companies, consider:
- Financial strength – Make sure the company is financially stable and can pay out claims quickly.
- Coverage options – Look for policies that cover your unique needs, including optional add-ons.
- Customer reviews – Check online ratings for claim satisfaction and customer service.
- Discounts – Ask about savings for bundling, safety features, or being claim-free.
- Accessibility – Choose an insurer that makes it easy to file claims online or through an agent.
How Much Does Manufactured Home Insurance Cost?
The cost of manufactured home insurance depends on several factors: your home’s location, age, value, and the type of coverage you choose.
On average, most homeowners pay between $500 and $1,200 per year for manufactured home insurance. Homes in areas prone to natural disasters may cost more.
To get the best rate, it’s smart to compare quotes from multiple companies before making your decision.
Final Thoughts: Finding the Best Manufactured Home Insurance Companies
Choosing the best manufactured home insurance company can make a big difference in how protected and confident you feel about your home.
Foremost, Allstate, American Modern, State Farm, Progressive, and Assurant all stand out for their reliable coverage, fair pricing, and customer service.
Before buying, review your coverage needs, compare quotes, and look for available discounts. The right policy can safeguard your home and everything inside it — giving you peace of mind no matter where you live.