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Mobile Home And Contents Insurance in Compare Rates In Just 1 Minute And Save Money $700

Mobile Home and Contents Insurance and Quotes

In terms of purpose and definition, mobile home insurance is a lot like standard homeowners insurance.

Like standard homeowners insurance, there are different types and levels of mobile home and contents insurance.

It will be up to you and your mobile home insurance agent to select the best cheap homeowner insurance policy for your needs.

Mobile Home and Contents Insurance

Although motorhome insurance is not available from all insurers, you can get it either directly or through a third-party provider.


Allstate offers standard protection for your prefabricated home and property, as well as many options to customize your policy. For example, there is additional coverage for valuables, sports equipment, or trees and bushes. You can save up to 5% on your annual subscription if you are the original owner and up to 10% if you are over 55 and retired.

American Family

When you add a “decreasing deductible” to an American Family mobile home and contents insurance policy, your chosen deductible is instantly reduced by $100. It will reduce $200 more than you claim each year, up to a maximum of $ 600. Other available add-ons pay for damage caused by hidden water leaks or crashes while your manufactured home is in transit.

American Modernity

American Modern has focused on recreational vehicles since its inception in 1949 and has provided optional coverage for expenses resulting from the failure of an HVAC system, major household appliance, or electronic devices. You can also get Identity Theft Recovery Assistance of up to $25,000 or add coverage in case your new home is damaged between your loan closing and your actual move-in.


You can customize a Farmers prefabricated home insurance policy to cover earthquakes, identity theft, or water damage from clogged sewers or drains, among others. The company offers a bundle discount when you combine your RV policy with another Farmers policy such as auto, life or umbrella insurance.

First of all

Foremost, now a subsidiary of Farmers, was originally founded to insure recreational vehicles. It offers a wide range of additional coverage options such as Identity Fraud Management, Travel Protection on a Move, Earthquake Protection, and Valuable Insurance. If you are an AARP member looking for RV insurance, Foremost is the third party company that offers it through membership.


Geico itself does not issue policies for cellphones or manufactured homes, but works with third-party vendors such as Assurant, Foremost, and American Modern. If you need to make a claim or change your coverage, you will need to work directly with the partner, not Geico. You can add additional insurance for sports equipment or musical instruments to a standard policy.


Like Geico, Progressive works with third parties to provide RV insurance in most states. Therefore, if your contract changes, you will likely be working with another company. You can add travel collision insurance to pay for any damage during a move, or replacement cost insurance to make sure you can buy a new home if your RV is destroyed.

Mobile Home Insurance Quotes
Mobile Home Insurance Quotes

District farm

State Farm offers several ways to save on your home insurance, including discounts on coverage like intrusion and smoke detectors. You can also save depending on the length of your insurance with State Farm or the age of your manufactured home.

Add-on options include identity recovery cover and replacement cost cover for your home and belongings, so you can get brand new items if yours is destroyed.


USAA – which primarily serves active military, veterans, and their families – works with Foremost to provide coverage for mobile, manufactured, and small homes. In most states, USAA members can save up to $40 on a Foremost policy.

People with modular homes should apply for a standard USAA homeowner policy.

What Is Mobile Home Insurance?

Mobile home and contents insurance, or manufactured home insurance, is insurance that covers any home that falls within the definition of a manufactured home.

While these homes are often cheaper to buy, it is important to have a mobile home and contents insurance policy.

After all, many people do not have $87,900 in their bank account to replace their home in case it is destroyed. That’s what older mobile home insurance is for.

What does Mobile Home Insurance Cover?

Mobile home insurance provides coverage for your home, personal belongings, liability coverage, and more.

  • Home Coverage – This coverage is for the actual manufactured or mobile home, as well as other permanent structures on the property. In other words, any damage to your home or other property structures (like a deck, garage, or shed) that is a covered hazard is covered by your home coverage.
  • Personal Property Coverage – This cheap homeowners insurance coverage is for your personal belongings.
  • Liability Coverage: This coverage is to protect you in the event someone is injured on your property and you are liable. Liability protection can cover legal fees and medical costs up to your coverage limit.
  • Additional Living Expenses (ALE) – This can include things like rent or hotel costs.

Some mobile homeowners choose to purchase hazard policies, a type of low-premium but high-risk mobile home and contents insurance.

Mobile home and contents insurance policies only cover very limited causes of damage, which means that you will be in a bind for any cost that does not result from one of the listed perils.

What does a Mobile Home Insurance Policy Not Cover?

There are some things that standard mobile home insurance near me and contents insurance policies don’t cover. Some of these require add-ons or additional policies for coverage and may or may not be necessary depending on your geographic location.

  • Flood damage
  • Damage in transit
  • Tremors
  • Hurricanes

What Manufactured Home Insurance Covers. The State Farm manufactured home policy provides coverage for direct and accidental physical loss of your home and specific peril coverage for your personal property.

If your community participates in the National Flood Insurance Program (NFIP), flood insurance is available for single-family residences, condo owners and associations, tenants, manufactured and mobile homes, and commercial structures. and other residential structures, regardless of your flood risk.

Mobile Home Insurance Companies

Although homeowners insurance, mobile home, and contents insurance share some similarities, not all homeowners insurance providers offer mobile home insurance in every state.

However, if you currently have home insurance. The best place to start is to contact your provider to see if you can bundle policies and get a discount on your mobile home insurance.

Some insurers, like USAA and Geico, work with third party insurers for mobile homes to provide more specific coverage.

Mobile Home and Contents Insurance
Mobile Home and Contents Insurance

The best mobile home insurance provider for you will depend on your geographic location and the type of coverage you need. Here are some of the most popular cheap mobile home insurance providers:

Foremost – A subsidiary of Farmers Insurance, Foremost earned an A rating with AM Best and is known for a few customer complaints. Quote requests can be made over the phone or on your website, but they are not instant.

Assurant: Assurant is a partner of Geico, Liberty Mutual, and Progressive, and manages mobile home and contents insurance policies. Its easy-to-use quotation tools are available online. Assurant is rated A from AM Best and exclusively covers flood damage under its standard policy.

With over 20 years of experience in the manufactured home business, Home First is a great option when it comes to specialized manufactured home insurance needs. Their policies include flood coverage, which is often non-standard. You can request a quote on their website and an agent will contact you. They got an A rating with AM Best.

Home First:

Allstate – A nationally known provider, Allstate offers some unique optional coverage features like hail coverage and mine subsidence coverage. They have a great discount buffet and they got an A rating with AM Best.

Farmers – Also a recognized name across the country, Farmers offers insurance coverage for mobile home and contents insurance. While you can’t get a quote online, which can be a downside, Farmers offers a wide variety of additional coverage options that many insurers don’t offer. They got an A rating with AM Best.

American Modern: Earn an A + rating with A.M. Better, American Modern is very financially sound. Their policies are a bit more restrictive than others because your home coverage is only covered up to the actual cash value rather than the replacement value. However, they can be a good option for someone looking for specialized coverage that cannot be found elsewhere.

As with home and auto insurance, you’ll get the best coverage by requesting older mobile home insurance quotes from multiple providers and comparing prices.

How much does Mobile Home Insurance Cost?

Mobile home and contents insurance policies often cost more than standard homeowners insurance policies due to the increased risk associated with owning a mobile home.

The average mobile home insurance calculator premium could cost anywhere from $300 to $1,200 a year, depending on a number of factors and circumstances.

Many factors go into determining the cost of mobile home and contents insurance. They include:

The State You Live in

  • Weather conditions and risks in your geographic area, including hurricanes, tornadoes, and floods
  • Frequency of forest fires in your geographic area
  • The crime rate in your neighborhood
  • Quality of local emergency response departments, such as police and fire departments.

The value, age, and condition of your mobile or manufactured home.
There are also a few ways to get discounts on your mobile home insurance.

The types of discounts normally available include:

  • Be the original owner of the mobile home.
  • Combine your mobile home and contents insurance with other policies through the same insurer.
  • Installing a home security system.
  • Discounts for retirement and / or seniors.

What is the Difference Between Mobile Home Insurance and Standard Home Insurance?

As similar as they are, Like Florida mobile home insurance is different from standard homeowners insurance policies. due to the major structural differences between the homes that are covered.

Since mobile home and contents insurance are not attached to a foundation, they have a few more inherent risks. Fire, wind, and broken pipes pose a greater threat to a mobile or manufactured home. And mobile homes are more likely to be targeted for theft.

On the other hand, the total value of a mobile home is usually lower than that of a house built with sticks. Because they carry so many different risks, insurers prefer to bundle mobile homes under their own type of policy.

Older Mobile Home Insurance Quote

Mobile home and contents insurance for homeowners is more expensive due to the reduced capacity of the mobile. And homes made to withstand incidents such as floods and fires. Mobile homes are also at a higher risk of theft and vandalism.

One of the reasons mobile homes depreciate is because they are personal property, not real estate. On the other hand, houses built with sticks are considered royal property. A related drawback is that mobile homes, because they are personal property, are often more expensive to finance.

Mobile Home Insurance
Mobile Home Insurance

Frequently Asked Questions (FAQs) On Mobile Home And Contents Insurance

Another way to lower the cost of your premium is to increase your deductible. The higher the deductible, the lower the premium.

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