Best Insurance for Manufactured Homes in 2025 (Top 10 Companies Ranked)

Top Pick for Homes: Geico

19,116 reviews

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4.1

Company Facts

Full Coverage for Manufactured Homes

$140/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Home Insurance Review

19,116 reviews

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Best Military Home Savings: USAA

6,435 reviews

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4.7

Company Facts

Full Coverage for Manufactured Homes

$135/mo

A.M. Best Rating

A++

Complaint Level

High

Pros & Cons

• Offers multiple products including financial services and banking
• High customer satisfaction and financial ratings
• Rates are lower than average
• Coverage is available in all 50 states
• Easy-to-use mobile app

• Coverage isn’t available to everyone
• DUIs drastically increase rates
• SafePilot isn’t available in every state
• Customer complaints are higher than competitors

» USAA Home Insurance Review

6,435 reviews

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Best Family Home Plans: Farmers

2,903 reviews

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4.0

Company Facts

Full Coverage for Manufactured Homes

$150/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Extensive coverage and discount options
• High customer service ratings
• Offers Signal, a usage-based insurance discount

• Not available in every state
• Rates are higher than average

» Farmers Home Insurance Review

2,903 reviews

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The top pick for the best insurance for manufactured homes is Geico, with rates starting at $55, followed by USAA and Farmers for affordable coverage options. These companies offer excellent value based on senior discounts, military savings, and family plans. Geico leads for overall affordability, while USAA is best for military members. Farmers is ideal for family-friendly plans.

Manufactured homes are a little different from a traditional house, but that doesn’t mean they should go without good homeowner’s insurance coverage. Whether you live in an older manufactured home or have invested in one of the new high-end models, you need good insurance.

Our Top 10 Company Picks: Best Insurance for Manufactured Homes

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A++	Senior Discounts	Geico
	#2	10%	A++	Military Savings	USAA
	#3	20%	A	Family Plans	Farmers
	#4	17%	B	Local Agents	State Farm
	#5	20%	A+	Multi-Policy Savings	Nationwide
	#6	25%	A	Loyalty Rewards	American Family
	#7	25%	A+	UBI Savings	Allstate
	#8	10%	A+	Competitive Rates	Progressive
	#9	13%	A++	Comprehensive Coverage	Travelers
	#10	25%	A	Add-on Coverages	Liberty Mutual

Fortunately, there are plenty of choices to get the specific coverage that a manufactured home needs, including some of the best-known names in the insurance world. Want to think bigger? Just click our guide, “Home Insurance Coverage: An Expert Guide.”

Finding affordable mobile home policies doesn’t have to be hard. Enter your ZIP code above to compare mobile home insurance rates from a universe of companies near you.

#1 – Geico: Best Overall Pick

Pros

• Affordable Rates: Geico offers some of the lowest monthly rates for manufactured home insurance, starting at just $55 for basic coverage.
• Easy Online Tools: Geico’s simple online platform makes managing your policy easy. For more details, see the “GEICO Insurance Review & Complaints.”
• Big Savings: Geico gives discounts for safe drivers and bundling policies, making it easier for manufactured homeowners to save.

Cons

• Limited Local Agents: Geico mainly works through digital tools, which can be a downside if you like talking to someone about insurance for your manufactured home in person.
• No Specialized Coverage Options: Geico might not have specific coverage options designed just for manufactured homes, which could be a deal-breaker for some homeowners.

#2 – USAA: Best for Military Savings

Pros

• Military Discounts: USAA gives great deals on insurance for manufactured homes, starting at just $58 for military families.
• Great Customer Service: USAA is well-known for its awesome support, especially for military homeowners. Want to learn more? Check out our guide, “USAA Insurance Review & Complaints.”
• Tailored Discounts: USAA offers unique savings options for military families with manufactured homes.

Cons

• Restricted Eligibility: Only available to military members, veterans, and their families, limiting access to others.
• Limited Local Office Presence: USAA relies heavily on online and phone services, which might not suit those seeking in-person support.

#3 – Farmers: Best for Family Plans

Pros

• Great for Families: Farmers offers customizable insurance for manufactured homes, starting at just $70 for basic coverage. Find out more by clicking our guide. “Farmers Insurance Review & Complaints.”
• Bundle and Save: Farmers gives nice discounts when you bundle your home, auto, and other policies together.
• Helpful Resources: Farmers have lots of easy-to-understand materials to help manufactured homeowners get the most out of their insurance.

Cons

• Higher Rates: Farmers’ starting rates for manufactured homes are higher than those of competitors like Geico and USAA.
• Limited Discounts: Manufactured Homes often have fewer opportunities for additional savings, such as bundling or multi-policy discounts, when compared to other providers.

#4 – State Farm: Best for Local Agents

Pros

• Strong Local Presence: State Farm has a lot of local agents, making it easy to get personalized insurance for manufactured homes. Basic coverage starts at $61.
• Customizable Coverage: You can adjust your coverage to fit your needs for manufactured homes. Want more info? Just click our guide, “State Farm Insurance Review & Complaints.”
• Policy Bundling Savings: Bundling your policies with State Farm can save you money on insurance for manufactured homes.

Cons

• Moderate Multi-Policy Discounts: Bundling your policies may not save as much on manufactured homes compared to other companies, but it can still help.
• Premium Costs: State Farm’s rates for full coverage on manufactured homes may be a little higher, especially in certain areas.

#5 – Nationwide: Best for Multi-Policy Savings

Pros

• Great Discounts for Bundling: Nationwide gives good discounts when you bundle insurance for manufactured homes with auto or other policies, starting at $63 for basic coverage.
• Flexible Payment Options: They offer flexible billing options for insurance for manufactured homes. Explore more in our guide, “Nationwide Insurance Review & Complaints.”
• Good Customer Service: People like Nationwide’s customer service, especially if they have insurance for manufactured homes.

Cons

• Higher Starting Rates: The base rates for insurance for manufactured homes are a bit higher than some other companies like Geico.
• Limited Extras: Some special add-ons for insurance for manufactured homes might not be available.

#6 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Discounts: Loyalty Discounts: American Family gives great rewards to long-time customers. It’s a good option for manufactured homes, with coverage starting at just $60.
• Customizable Coverage: Tailor your insurance for manufactured homes with flexible options that fit your needs. Find out more in our guide, “American Family Insurance Review & Complaints.”
• Strong Claims Process: American Family is known for handling claims efficiently, which is a big plus for manufactured homeowners.

Cons

• Limited Discounts for New Customers: New customers might not get as many discounts compared to long-term policyholders.
• Higher Rates for Certain Areas: Premiums for manufactured homes might be higher in some regions due to local risk factors.

#7 – Allstate: Best for Saving with UBI

Pros

• Usage-Based Insurance (UBI): Allstate offers UBI programs that can help save money on insurance for manufactured homes, starting at just $65 for basic coverage.
• Multi-Policy Discounts: You could get great savings if you bundle your manufactured home insurance and auto coverage.
• Good Coverage: Allstate provides solid coverage options to keep your manufactured home well-protected. Get more details in our guide, “Allstate Auto Insurance Review & Complaints.”

Cons

• Higher Premiums: Some of their coverage options for manufactured homes, especially extra add-ons, can come with higher costs.
• Limited Agent Support: In some areas, fewer Allstate agents might be available to help with manufactured home insurance in person.

#8 – Progressive: Best for Competitive Rates

Pros

• Affordable Premiums: Progressive has low starting prices for manufactured home insurance, with basic coverage starting at just $68, making it a good budget-friendly choice.
• Flexible Payment Plans: You can choose from different payment options to fit your budget. For more details, check out our “Progressive Insurance Review & Complaints.”
• Nice Discounts: Progressive offers discounts, like ones for safe drivers and bundling multiple policies, helping you save money.

Cons

• Limited Local Support: Since Progressive is mostly online, it may not be the best choice if you like face-to-face help.
• Some Gaps in Coverage: While their rates are competitive, Progressive might not offer all the specialized coverage options other companies do.

#9 – Travelers: Best for Comprehensive Coverage

Pros

• Lots of Coverage Options: Travelers offers great coverage for manufactured homes, starting at $64 for basic plans. Discover more in our guide, “Travelers Insurance Review & Complaints.”
• Good Customer Service: Their support team is known for being helpful, especially when you need help with claims or understanding your coverage.
• Discounts Available: Bundling policies can save money, which is great for homeowners who want to cut costs.

Cons

• Higher Prices: The premiums can be more expensive than other companies, especially if you want extra coverage.
• Limited Add-ons: There aren’t many extra options specifically for manufactured home insurance.

#10 – Liberty Mutual: Best for Add-on Coverages

Pros

• Lots of Extras: Liberty Mutual has plenty of add-on options for manufactured homes, like flood and earthquake coverage, starting at just $75.
• Bundle and Save: You can save big by combining your home and auto insurance with Liberty Mutual.
• Flexible Plans: You can customize your coverage to fit your needs and keep your manufactured home fully protected.

Cons

• Higher Rates: Liberty Mutual’s premiums for manufactured homes can be higher than those of other companies. Need more info? See our guide, “Liberty Mutual Insurance Review & Complaints.”
• Complex Policy Options: The variety of add-ons and coverage choices might make it difficult for some homeowners to navigate their policy options.

The Basics of Manufactured Home Insurance

First, it is important to make a distinction in the terminology; a manufactured home is one that is built after 1976 and is required to meet federal building codes. The term mobile home should technically apply only to pre-1976 models before the code laws were enacted.

Manufactured Homes Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$65	$145
	$60	$138
	$70	$150
	$55	$140
	$75	$155
	$63	$142
	$68	$148
	$61	$139
	$64	$144
	$58	$135

Many people and even insurance companies continue to use the terms interchangeably, so a mobile home policy is likely to be the same thing in most cases. As one last terminology note, a modular home is not the same as a manufactured home due to construction and foundation differences.

Home Insurance Discounts From the Top Providers for Manufactured

Insurance Company	Available Discounts
	Early Signing, Multi-Policy, Claim-Free, Protective Device, Responsible Payment, Renovated Home
	Generational, Renovated Home, Loyalty, Multi-Policy, Paperless Billing, Smart Home
	Affinity Group, Home Renovation, Multi-Policy, Claim-Free, New Home, Protective Device
	Home Renovation, Multi-Policy, Protective Device, New Home, Paperless Billing, Early Signing
	New Home, Renovated Home, Early Shopper, Multi-Policy, Protective Device, Claim-Free
	Gated Community, Renovated Home, Multi-Policy, New Home, Claim-Free, Protective Device
	Paperless Billing, Multi-Policy, Protective Device, Claim-Free, Renovated Home, New Home
	Roofing Material, Claim-Free, Protective Device, Multi-Policy, New Home, Home Renovation
	Green Home, Protective Device, New Home, Claim-Free, Multi-Policy, Renovated Home
	Loyalty, Protective Device, Renovated Home, Multi-Policy, New Home, Claim-Free

With that out of the way, let’s look at the coverage you need. Like any other home, a manufactured home insurance policy provides coverage for the dwelling itself, for personal property, and for liability. Coverage also includes add-ons like attached porches and other structures such as detached garages, as well as manufactured home on permanent foundation insurance.

Some older mobile or manufactured homes may not qualify for full replacement cost coverage, but most modern homes should be able to get it. That means that if your manufactured home is destroyed, you will be paid out the amount of money that is required to replace it with a similar home, rather than the depreciated cost.

Good manufactured home policies offer many of the same endorsement choices as on any homeowner’s policy, including increased personal property coverage for high-value items, home office coverage, and identity theft.

Specifics of Manufactured Home Insurance

The biggest difference between a manufactured home and a site-built home is that it is mobile. That means you need to be able to cover the home when it’s being transported to the location where you plan to keep it.

Manufactured home insurance includes this coverage, usually as an endorsement. If your home is in a permanent location and you have no plans to move it, you do not need this coverage. Bear in mind that even as the home is being transported from the factory to the lot where it will be placed, you need to insure it.

There are some special discounts offered for manufactured homes, depending on the company, such as a discount for being the original owner of the home. Multi-policy discounts are usually available for bundling auto insurance, similar to any other home insurance policy, as noted in homeowners insurance for manufactured home reviews.

Read more: Best California Home Insurance

How We Made Our Choices for Best Manufactured Home Insurance

Your manufactured home is just that – your home – and we wanted to find insurance companies that would treat it as the equal of any other type of home. Therefore, our picks had to include comprehensive policies with all kinds of options, along with the endorsements a manufactured home needs. Sometimes, we might ask, ‘Who is the most trusted insurance company?’ We focused on companies known for their reliability and strong customer service.

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— Liberty Mutual (@LibertyMutual) March 16, 2023

A lot of big name insurance companies say they offer manufactured home insurance, but they neither underwrite nor service the policies directly. We chose only companies that handle their own manufactured home products, including insurance companies that cover mobile homes, so that you know exactly who is standing behind your policy.

All of our picks also come with a good reputation, so that you know they actually will stand behind that policy when a claim comes in. We selected companies that offer a wide coverage area so that this information would be useful to the widest audience possible, but many local companies have excellent programs, so keep them in mind.

Read more: Auto, Home, Life, Retirement & Business Insurance

Our Top Recommendations

These three insurers all offer top-notch insurance programs to manufactured home owners.

Foremost

Foremost is the self-proclaimed number one mobile and manufactured home insurance company in the nation, and they have definitely been at it a while. Mobile homes were the original product offered by the company, which is now a part of Farmers Insurance Group.

They cover all types of mobile and manufactured homes and can help with older homes as well, and multi-policy discounts are available with both other Foremost policies as well as Farmers policies. Their package is comprehensive with a lot of add-on options.

Read more: Foremost Insurance Company Review & Complaints: Home, Car, & Recreational Vehicle Insurance

Allstate

If you want a big-name insurance company with a great manufactured home policy, Allstate is the place to get it. With a solid base package policy and a lot of endorsements including transportation coverage, Allstate takes insuring manufactured homes seriously.

They also have a great list of discounts, including multi-policy and an original owner discount. And of course, they have a strong reputation as one of the biggest insurance companies in the country.

MetLife

MetLife may come as a surprise on this list, but they have a solid manufactured/mobile home policy and may, in fact, be one of the more affordable options, especially if you belong to one of the many affiliate groups or work for one of the many companies through which they offer discount programs.

You can also take advantage of multi-policy discounts and a range of other rate-lowering discount options. MetLife also comes with a good reputation as a solid company.

Read more: MetLife Insurance Review & Complaints: Life, Home & Auto Insurance

Shopping for Manufactured Home Insurance

Whether you are purchasing a brand-new manufactured home or buying one that is already established, the approach should be much the same. Know how much coverage you need, what options you want to add, and what deductible you’d like, and then get enough apples-to-apples quotes to compare.

One of the big questions to ask when getting quotes is whether the company actually underwrites the policy directly. Many companies do not underwrite their own manufactured home policies directly. Ask which company will do the underwriting so that you can research that particular insurer’s reputation and know exactly what you are getting. Remember – that is the company that will handle a claim, not the company selling it as an affiliate.

There are a lot of excellent manufactured home insurance programs out there, so there is no reason to settle for less than comprehensive coverage from a reputable company.

Even if you have an older mobile home that doesn’t meet the requirements for a standard insurance company, there are very reputable specialty companies. Remember that you may pay a little more for that peace of mind – the least expensive standard coverage is not always the best insurance. Take your time when shopping around, and get as many quotes as possible so you will know you’ve chosen the best.

There’s no need to incur additional living expenses. Standard policies may not always meet your needs and you may want to add some optional coverage or increase coverage limits. Make sure your mobile home coverage protects you from property damage, water damage, earthquake coverage, or other disasters offered by insurance companies that insure manufactured homes

Case Studies: Affordable Insurance Options for Manufactured Homes

It’s key to find a good mix of coverage and cost, When you’re looking for insurance for your manufactured home. Many homeowners turn to well-known insurance companies for reliable and affordable options. Here are three case studies featuring top companies: GEICO, USAA, and Farmers.

Case Study 1: Affordable Protection for Mark:

Mark needed affordable insurance for his manufactured home. After checking around, he found that GEICO offered coverage starting at just $55 a month. With solid ratings and plenty of options, Mark felt GEICO was the right pick. Pen your mind by clicking our guide, “Best Homeowners Insurance.”

Case Study 2: Trusted Coverage for Military Families:

Sarah, a military spouse, was looking for good insurance for her manufactured home. She found USAA to be a great option because they offer excellent customer service and special discounts for military families. The coverage gave her peace of mind at a fair price, so it became a top choice for military families.

Case Study 3: Customizable Policies for Unique Needs:

John wanted an insurance company that offered flexible options. Farmers gave him different coverage choices that worked for him, ensuring his home was fully protected. He could pick just what he needed, so he didn’t have to pay for anything extra he didn’t want.

When choosing insurance for your manufactured home, consider the options and pricing from companies like GEICO, USAA, and Farmers. Each has something different to offer, so think about what fits best with your needs. These companies stand out whether you want affordability, great customer service, or customizable options.

Choosing the Best Insurance for Your Manufactured Home

Shopping for manufactured home insurance is a lot like any other home, although you may not have quite as many options when it comes to mobile home insurance coverage.

Do your research and know what you want your policy to cover so that you know just what to look for when you get a quote for the best insurance for manufactured homes. Do not forget the multi-policy discounts; many companies treat a manufactured home policy the same when bundling, so shop your auto around at the same time.

Find the cheapest quote on mobile home insurance policies in your area by comparing rates today. By using the search box below, you can find mobile home insurance quotes from multiple insurers near you.