6 Best Mobile Home Insurance Companies of April 2024

State Farm may be your best place to start if you’re a new owner of a mobile home looking for your first insurance policy. The company offers helpful online resources for learning about coverage and keeping track of your home’s inventory, and it operates through local agents to give you a personalized customer service experience.

State Farm may not be your first choice if you’re looking for a provider with multiple discount opportunities and add-ons directly related to owning a mobile home. Despite their lack of discounts, they consistently offer some of the lowest home insurance rates in the industry.

Discounts

• Home alert systems (such as smoke detectors, fire alarms and home security systems)
• New home
• Loyalty

Endorsements

• Replacement cost coverage
• Identity restoration coverage
• Earthquake coverage
• Home systems coverage
• Water backup coverage
• Coverage for off-premises structures

State Farm’s customers had positive comments about the company’s service and praised its fast claims-handling process. However, some found frequent rate increases frustrating. One customer also complained about not being able to speak to the same person regarding claims.

“I have been with State Farm for over 35 years and have always had immediate and courteous service.” —Teresa via Trustpilot 

“I recently filed a claim for hail damage. It was really quick and very easy — no complex procedure and no struggle to get approval. The good thing is [State Farm] provided the check on the day of the inspection itself.” —Priya via Trustpilot 

“Getting resolution was like pulling teeth. You can never speak to just one person and every time you call no one knows what is going on or can help you.” —Gigi via Trustpilot 

Liberty Mutual offers a high number of discounts compared to its competitors, making it a more affordable option for eligible customers. They have also earned a reputation for providing quality customer service and making the claims process fast and simple.

Discounts

• Claims-free
• Safe homeowner
• Buying online
• Shopping early
• Buying a home
• Newly built or renovated home
• New roof
• Multi-policy bundling
• Insuring the present value of your home (instead of the replacement cost)
• Paperless policy
• Preferred payments

Endorsements

• Water backup and sump overflow
• Earthquake
• Blanket jewelry
• Personal property replacement cost
• Inflation protection
• flood insurance
• Hurricane damage
• Wind and hail damage
• Identity theft protection

Liberty Mutual’s customers praised its customer service, responsive support and fast claims resolution process. Some customers said Liberty Mutual handled their claims unfairly and denied coverage. One customer praised the company’s excellent service but complained of higher premiums.

“[Liberty Mutual] provides great customer service at a cheap price. [The company] gives you a personal customer agent with their direct phone line and email so you get to speak with a live person immediately.” —BP via Trustpilot

“Lightning struck the next-door neighbor’s gigantic pine tree which fell on our house and truck on a Sunday evening. By Tuesday morning I had [a] check in hand that more than covered damages to house and tree removal.” —Phyllis via Trustpilot

“My home was damaged by hail. Most of the homes on my street were covered by their homeowners policies, but Liberty Mutual denied my claim.” —Deborah via Trustpilot 

American Family has a solid reputation with customers, earning one of the highest J.D. Power customer satisfaction ratings in our review. It also has strong financial strength with an A (Excellent) rating from AM Best. We found that it stood out the most for its helpful online resources provided to homeowners, including a coverage calculator and a personal property inventory tool.

Discounts

• Bundling your home and car insurance
• Smart-home devices
• Purchasing a new home
• Paying for your policy in full
• Signing up for paperless billing

Endorsements

• Mismatched siding coverage
• Other structures coverage
• Trip collision coverage
• Coverage for hidden water damage

American Family’s customer reviews were mostly positive, with customers praising its helpful customer support, reasonable rates and quick process. A few customers did not like its claims handling and complained about higher premiums. One customer said the insurer enabled automatic payments without their permission.

“Switching to American Family from my previous [insurer] was quick and painless. I was blown away by how it saved me $80 a month. The person I spoke to was very helpful and great. —Ripley via Trustpilot

“I chose American Family because of its good reputation of reasonable rates and great representation. I found both of these attributes to be true.” —Dayton via Trustpilot

“Very bad experience with my claim [and the] adjustor service was terrible. This company kept rising auto and homeowner’s premiums for no real reason.” —Sam via Trustpilot

Farmers’ mobile home insurance policies are customizable based on your specific needs. Your local agent can help make sure you get the best coverage, deductible and premium for your home that matches your budget.

Although Farmers’ standard policies are highly customizable, the provider does offer fewer add-on options than many competitors, meaning it may not be the best choice for someone looking to maximize their extra coverage.

Discounts

• Home security system
• Non-smoker
• Paperless billing
• Claims-free history
• Bundle multiple policies

Endorsements 

• Green-home improvements
• Replacement cost coverage for personal property protection
• Identity theft coverage

Positive customer reviews of Farmers mentioned its responsive customer support and short turnaround time. Customers also praised its claims handling process. Some negative reviews were about the company’s reluctance to settle legitimate claims and poor customer support from some agents.

“Farmers rendered the best experience we have ever had with insurance. It was responsive and professional and the turnaround time for everything was immediate. It only took a couple of days to get everything worked out from hail damage to our autos and house.” —Nancy via Trustpilot 

“Nothing but positive experiences with Farmers and its claims department.” —David via Trustpilot 

“Don’t believe anything [Farmers] says about your policy. I had a small claim for some water damage in my home and the company came up with a dozen reasons not to pay for it.” —Ross via Trustpilot

We recommend Progressive to homeowners looking to bundle their car and mobile home insurance policies since the provider offers a discount and single deductible benefit that combines the deductibles from each policy, saving you money out of your pocket during a claim on either policy.

However, if you don’t want the confusion of working with a third-party insurer that underwrites your mobile home insurance policy, Progressive may not be your best option.

Discounts

• Multi-policy bundling
• Claims-free history
• Paying in full

Endorsements

• Replacement cost coverage for dwelling and your personal property
• Trip collision coverage to help protect mobile homes moving locations

Although most of Progressive’s reviews were positive and praised its helpful customer support and lower rates, some customers had difficulty contacting an agent regarding claims. There are also negative reviews about Progressive’s website and how challenging it is to make online payments.

“We have had Progressive for years because of the great customer service. No question is too small. They are friendly, professional, helpful and caring every single time we have contacted them.” —Michelle via Trustpilot 

“Rates are very low. Every couple of years I check with an agent and no one ever comes close.

Service is great too. The app [is] easy to use.” —Ariel via Trustpilot 

“Have a claim and cannot get to talk to [a] real person. [It has] been a month of continuous leaving messages on its website and by phone.” —Gary via Trustpilot