Comparing mobile home insurance policies can be much easier when you're aware of which carriers are known for providing top-quality coverage and delivering on their promises to policyholders. Should you ever need to file a mobile home insurance claim, you want to feel confident that you have the best chance of getting the reimbursement you deserve for a covered loss. Further, when selecting the right carrier for you, it's important to weigh factors such as financial strength ratings, customer feedback, and customer service availability.
That's why we've compiled a list of the Best Mobile Home Insurance Companies of 2025. Our top picks for the best insurance companies for mobile homeowners consider the most important coverage options along with other criteria found in top carriers. We've considered each insurer's pros and cons when assembling our top picks to provide you with great suggestions.
Use our list to make an informed decision of where to get your mobile home coverage. If you want more information, an independent insurance agent can help you find a plan that fits your unique needs.
The 4 Best Insurance Companies for Mobile Homeowners in 2025
Who has the best mobile home insurance? We hope our recommendations can help you answer that question. We ranked our top 4 best mobile home insurance companies in 2025 based on several criteria.
To determine who sells the best mobile home insurance, we factor in an insurance company's history of customer satisfaction, coverage options, and more. Find our rankings for the best insurance companies for mobile homeowners across several specific categories below.
- Best Mobile Home Insurance Company Overall: Foremost Mobile Home Insurance
- Best Mobile Home Insurance Company for Specialized Coverage: Allstate Mobile Home Insurance
- Best Mobile Home Insurance Company for Online Experience: Assurant Mobile Home Insurance
- Best Mobile Home Insurance Company for Discounts: American Family Mobile Home Insurance
Best Mobile Home Insurance Company Overall: Foremost Mobile Home Insurance
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The country's first insurance company to offer coverage for mobile homes
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No mobile app claims reporting
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Provides online estimates
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Limited saving options
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Offers tailored coverage and discounts for mobile homeowners
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Offers a discount for homes located in approved mobile parks
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Excellent customer Complaint Index
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Our choice for the best mobile home insurance company overall goes to Foremost. The insurance company was the nation's first carrier to offer insurance policies specifically designed for mobile homes.
The carrier offers a special perk of extended replacement cost coverage for mobile homes. If a policyholder's home is completely destroyed by a covered disaster like a fire, they can receive up to 20% above their policy's coverage limit. Foremost also offers several other types of mobile home coverage, including an endorsement to cover damage that occurs during home relocation.
One potential drawback for certain customers is the lack of instant online quotes. However, the carrier's website provides quotes via email within 24 hours of entering your information.
Foremost was founded in 1952 and offers coverage nationwide. The carrier offers 24/7 customer service and a wide variety of discounts to help customers save on their coverage. Foremost also works with a large network of independent insurance agents to provide a highly personalized experience.
Best Mobile Home Insurance Company for Specialized Coverage: Allstate Mobile Home Insurance
| Pros: | Cons: |
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Great discount options
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Policies might not offer loss of use coverage
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Great additional coverage features
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Excellent financial strength
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Offers fast online estimates
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Our top pick for the best mobile home insurance company for specialized coverage goes to Allstate. The carrier offers many optional coverage features not found in most other mobile home insurers. For example, Allstate's mine subsidence coverage can reimburse homeowners for damage to satellite dish antennas. Mobile homeowners who live in areas especially prone to hail disasters or mine subsidence may want to choose Allstate's coverage primarily for this reason.
Allstate was also our runner-up choice for the best mobile home insurance discounts. The carrier offers great discounts for seniors and retirees (up to 10%) and for being the original owner of the home (up to 5%).
Allstate has about 57,000 employees and its presence extends across six continents. The carrier was originally founded in 1931. Allstate is also great for personalized coverage thanks to its team of independent insurance agents who work with customers to design policies that best meet their needs.
Best Mobile Home Insurance Company for Online Experience: Assurant Mobile Home Insurance
| Pros: | Cons: |
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Excellent official ratings
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Doesn't offer identity theft coverage or trip collision
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Offers flood coverage
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Outstanding website and online experience
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A Fortune 500 Company
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Our top choice for the best mobile home insurance company for online experience goes to Assurant. The carrier sells mobile home insurance policies for many of its partners, including Liberty Mutual, Progressive, and Geico.
Assurant offers instant online quotes for mobile home policies and a highly user-friendly website for policyholders and prospective customers. The insurance company also offers many notable coverage features in its policies, including flood insurance coverage, which is almost always excluded from homeowners insurance and mobile home insurance policies.
Assurant was founded in 1982 and offers a variety of coverages in addition to mobile home insurance. The carrier has excellent ratings from both AM Best and the Better Business Bureau. Assurant is also a Fortune 500 company and one of the nation's top property and casualty insurers, with a large network of agents to assist customers.
Best Mobile Home Insurance Company for Discounts: American Family Mobile Home Insurance
| Pros: | Cons: |
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One of the nation's top insurers by market share
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Coverage is not available in every state
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Offers fast online estimates
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Limited add-on coverage options
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Outstanding online resources
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Offers quotes from local agents
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Excellent discount options
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Our top choice for the best mobile home insurance company for discounts goes to American Family. The carrier offers numerous savings options for policyholders, including discounts for bundling mobile home insurance and car insurance, installing smart devices like Ring or Nest in the home, using autopay or choosing paperless billing, and living in a new construction home or one purchased within the last three years. American Family also offers a great online experience for customers and provides resources such as guides and articles to explain its coverage options.
American Family is going on 100 years in the insurance industry and dates back to 1927. The carrier has a long-lasting reputation for reliability and solid financial strength. It also offers 24/7 claims reporting for customers.
How We Select the Best Mobile Home Insurance Companies
We evaluated mobile home insurance companies based on several criteria and applied calculated methodology to come up with our list of top carriers across several categories. More than a dozen mobile home insurance carriers were evaluated in terms of pros and cons, including the official website, coverage options, discounts and benefits, coverage rates, online quote availability, financial strength, and history in the insurance industry.
We conducted an assessment of combined carrier reputation and mobile home insurance coverage options and prices to craft our list of top picks for providers in every category above. Contact an independent insurance agent to get a quote that is specific to your unique situation.
Sources
https://www.valuepenguin.com/best-mobile-home-insurance
https://www.marketwatch.com/guides/insurance-services/best-mobile-home-insurance/
