What is the Best Mobile Home Insurance in 2026?

Mobile homes are a popular choice for many home buyers in the U.S., especially if you're shopping for a house on a budget. The average cost of a manufactured home is $123,300, whereas the average site-built home costs $405,939, according to data from the Manufactured Housing Institute (MHI).

If you're shopping for coverage on a mobile or manufactured home, you're in the right place to compare where to get it and choose a policy. Our editorial team lines up marketplaces and carriers side by side so you can weigh quotes, coverage, and payout terms without calling each insurer one at a time.

You need a policy built for manufactured construction because a standard homeowners policy is designed for site-built houses, not factory-built ones. Mobile and manufactured homes are engineered, transported, and anchored differently.

That's why insurers write them on their own policy forms, with their own coverage and valuation rules, according to the Insurance Information Institute.

This is a big market. More than 22 million Americans live in manufactured homes, per MHI. Manufactured homes make up roughly 5.4% of occupied U.S. housing nationally, per the American Housing Survey (AHS).

We've done the legwork of comparing the options so you don't have to. If you want to see prices for your own property first, start by comparing home insurance for your ZIP code.

Here are the four places we recommend for comparing and buying mobile home coverage, each with the reader situation it fits best:

• QuoteWizard: Best for fast online matching

• SelectQuote: Best for bundling home and auto

• Farmers: Best for buying from an established national carrier

• Liberty Mutual: Best for a direct manufactured-home policy

We chose these picks by scoring each provider on the factors that matter most to mobile home shoppers. Because our list mixes comparison marketplaces with direct carriers, we rate each type on what it actually does: marketplaces on match quality, and carriers on the coverage they write.

Our editorial team weighed the following criteria:

• Coverage fit: How well the provider reaches insurers that write mobile and manufactured home policies.

• Quote speed and ease: How quickly you can get from a form to real numbers.

• Financial strength: Carrier ratings from A.M. Best, where available.

• Discounts and bundling: Options such as higher deductibles, tie-down credits, and home-plus-auto bundles.

• Support and transparency: Clear terms and accessible customer service.

We're a comparison platform, so our aim is to help you weigh real options and make an informed choice, not to hand down an absolute ranking. Coverage and pricing vary by property and state, so treat these as strong starting points for your own quote comparison.

Each of the four providers below is reviewed in the same format so you can compare like for like: what the company is, what makes it different, an honest tradeoff to weigh, and a link to our full review.

QuoteWizard — Best for Fast Online Matching

QuoteWizard is an online insurance marketplace owned by LendingTree, the publicly traded lending and comparison-shopping company. It doesn't write policies itself; instead, one form gets your details in front of local and national agencies that do write mobile and manufactured home coverage, and it carries an A+ rating from the Better Business Bureau.

What sets QuoteWizard apart from a direct carrier like Farmers or Liberty Mutual is speed and breadth: because it's a lead-matching service rather than an insurer, it can route your request to a wide bench of local and national agencies at once, which is useful if you want several agent conversations quickly rather than one. Unlike SelectQuote, which leans into bundling home and auto through a curated carrier list, QuoteWizard is built around fast agent matching, then lets the agent walk you through bundling options if you want them.

The honest tradeoff: because QuoteWizard shares your information with multiple matched agencies at once, it's common to hear from more than one agent shortly after submitting a form — a pattern documented in BBB and consumer-review complaints about call volume. You're also not getting a bound policy or a guaranteed rate directly from QuoteWizard; the coverage terms, and how quickly someone follows up, depend on which agency you're matched with.

Key Features:

• Quick online form for property and liability coverage.

• Wide agency network across the country, owned by LendingTree.

• A+ rating from the Better Business Bureau.

Get Quote

Read our full QuoteWizard review

SelectQuote — Best for Bundling Home and Auto

SelectQuote is an independent insurance agency, founded in 1985 and publicly traded on the NYSE (SLQT). It isn't a captive of any single insurer — instead, it shops your home and auto coverage across a roster of about 20 carriers, including well-known names like Progressive, Travelers, and Liberty Mutual, and it only works with carriers rated A or A+ by A.M. Best.

What makes SelectQuote the strongest pick here for bundling specifically is that comparing bundle pricing happens in one pass: a single application gets quoted against its full carrier list for both home and auto, and SelectQuote reports its customers save an average of several hundred dollars a year by bundling this way. That's a different model from QuoteWizard, which matches you to agents individually rather than shopping a pre-vetted carrier list itself.

The honest tradeoff: SelectQuote doesn't write or bind policies, and it doesn't handle claims — once you're placed with a carrier, that insurer manages the policy and any claims going forward. Coverage isn't available in every state (South Dakota, for one, is excluded from its home offering as of this writing), so it's worth confirming your state is covered before you start the application.

Key Features:

• Multi-carrier comparison across roughly 20 insurers, all rated A or A+ by A.M. Best.

• Bundling paths for home and auto in a single application.

• Free to use for comparison; founded in 1985, publicly traded (NYSE: SLQT).

Get Quote

Read our full SelectQuote review

Farmers — Best for Buying From an Established National Carrier

Farmers is a national carrier with an A (Excellent) rating from A.M. Best, most recently affirmed in August 2025. Mobile and manufactured home coverage isn't written under the Farmers name directly — it comes through Foremost, a Farmers Insurance Group company since 2000 that has specialized in manufactured-home insurance since 1952 and is credited with creating the first mobile home insurance policy.

That history is the differentiator: unlike Liberty Mutual, which added manufactured-home coverage to a broad personal-lines lineup, Foremost's entire original business was built around mobile homes, and it still insures more than a million of them today. Through the Foremost family, coverage is available in all 50 states and Washington, D.C., with replacement-cost options and 24/7 agent support — a wider footprint than either marketplace pick above can guarantee, since QuoteWizard and SelectQuote's coverage depends on which local agencies or carriers serve your ZIP code.

The honest tradeoff: because you're buying from a single underwriter rather than comparing a marketplace's full list, Farmers/Foremost's rates are still worth checking against a quote from Liberty Mutual or a SelectQuote-matched carrier — independent surveys have found Farmers' home and auto premiums run higher than the market average, even though its financial strength and claims-paying ability are solid.

Key Features:

• Coverage available across all 50 states and Washington, D.C.

• Mobile and manufactured home policies through the Foremost family, a Farmers company since 2000.

• Replacement-cost coverage options and 24/7 support.

Get Quote

Read our full Farmers review

Liberty Mutual — Best for a Direct Manufactured-Home Policy

Liberty Mutual is a national carrier that writes mobile and manufactured home coverage directly, holding an A (Excellent) rating from A.M. Best. Structurally, it's a mutual company — owned by its policyholders rather than outside shareholders — which is a different setup from publicly traded Farmers or SelectQuote.

Where Liberty Mutual stands out from the Farmers/Foremost pick is that you can buy, customize, and manage the policy directly with one national insurer rather than through a specialty subsidiary or a marketplace match. Coverage includes replacement-cost options and optional riders such as wind/hail deductible waivers and earthquake coverage — useful add-ons if your manufactured home sits in a higher-risk wind zone, discussed below.

The honest tradeoff: Liberty Mutual's standard homeowners line isn't sold in every state (Alaska and California are notable exclusions), and unlike Farmers or SelectQuote's partner carriers, it doesn't publish rate data to third-party comparison services, which makes it harder to price-check without requesting a direct quote. As with Farmers, it's still worth comparing that quote against a SelectQuote-matched carrier before you buy.

Key Features:

• Direct mobile and manufactured home policies with replacement-cost options.

• Customizable coverage, including wind/hail deductible waivers and earthquake riders.

• Mutual company structure; A (Excellent) rating from A.M. Best.

Get Quote

Read our full Liberty Mutual review

You choose the right policy by comparing a few specific things across providers: what's covered, what isn't, how claims pay out, whether your home qualifies, and what drives the price. Here's how to shop for each.

What Does Mobile Home Insurance Actually Cover?

A mobile home policy covers two core things: physical damage and personal liability, according to Triple-I.

• Physical damage: Applies to the dwelling, your personal property, and other structures. It pays for losses like fire, hail, wind, theft, vandalism, and falling objects.

• Personal liability: Covers you if someone is injured on your property.

• Loss of use: Helps with living costs if your home becomes uninhabitable, and may be included depending on the policy.

What Isn't Covered?

Several major risks fall outside a standard mobile home policy, so you'll want to plan for them separately. Triple-I notes that flood damage is not covered and requires separate flood insurance through the NFIP or a private insurer.

Other common exclusions:

• Earthquake damage: Needs a separate policy or endorsement.

• In-transit damage: While the home is being moved, some carriers offer an endorsement for this.

• Gradual wear and tear or deterioration: Treated as maintenance, not a covered loss.

Replacement Cost, Actual Cash Value, or Stated Amount?

How your policy pays out matters as much as what it covers, and there are three approaches. The difference shows up when you file a claim.

On a 15-year-old roof destroyed by hail, an actual cash value policy pays the depreciated value of that aging roof, while a replacement-cost policy pays the full cost of a new one. That gap can run into thousands of dollars out of your pocket.

Stated-amount policies are common for mobile homes, and Triple-I recommends reviewing the agreed figure annually so you don't end up underinsured.

"For most mobile home owners, replacement cost is better if it's available and fits your budget. Actual cash value subtracts depreciation, which can leave a pretty painful gap after a loss. Nobody wants to rebuild a home using yesterday's value and today's prices," says Espenschied.

Can You Insure an Older or Pre-1976 Home?

Yes, but the age of your home affects both financing and coverage.

• HUD standards: The HUD Manufactured Home Construction and Safety Standards apply to homes built on or after June 15, 1976 (codified at 24 CFR Part 3280, with the effective date confirmed in 24 CFR Part 3282), according to govinfo. Each HUD-compliant section carries a red 2-by-4-inch HUD certification label.

• Pre-1976 homes: Not eligible for FHA financing and may be harder to insure privately, or cost more, per HUD Archives.

A pre-1976 home isn't uninsurable, but expect to compare more carriers to find a fit.

How Much Does Mobile Home Insurance Cost?

Home insurance cost is highly variable and quote-dependent, so there's no reliable national average to anchor to. No primary industry or government body publishes a verified national average, so any figure you see is an estimate, not an industry survey.

Your home insurance rate depends on factors including:

• The home's age and condition

• Your location and local disaster risk

• Coverage limits and payout basis

• Your claims history

Because these factors swing prices widely, the most reliable way to know your cost is to compare quotes for your specific home.

"To find the best price, I tell people not to shop on price alone. Get a few quotes, but compare deductibles and coverage limits line by line. A cheap policy can get expensive fast after a claim. Ask about bundling discounts, claim-free discounts, protective devices, newer home discounts, and discounts for proper tie downs or skirting," Espenschied says.

Where you live is one of the biggest factors in whether extra coverage is worth it, and wind is the risk that matters most for mobile homes. If you're in a tornado- or hurricane-prone state, the practical priority is protecting against wind and anchoring your home properly.

According to the National Weather Service (NWS), mobile home residents are 15 to 20 times more likely to be killed in a tornado than people in permanent homes, and 54% of in-home tornado fatalities occur in mobile homes. Anchor and tie-down failure is the leading cause, which is why proper anchoring is the single most important safeguard.

Construction standards reflect this. HUD defines three wind zones with design wind speeds of 70, 100, and 110 mph, which explains why coastal and hurricane regions carry stricter requirements, according to HUD's standard.

The good news is that mitigation can also lower your premium. Common levers include:

This guide is for anyone weighing coverage on a factory-built home and trying to compare options quickly. You'll get the most out of it if you fit one of these profiles:

• Owners of newer manufactured homes who want to compare quotes and lock in a fair rate.

• Owners of older or pre-1976 homes who need carriers willing to write coverage.

• Buyers in high-wind or coastal states such as Florida and Texas.

• Budget-focused shoppers comparing prices across insurers.

• Homeowners looking to bundle home and auto for savings.

How much does mobile home insurance cost?

There's no verified national average, because cost depends on your home's age, location, coverage limits, and claims history. Any range you see is a broker estimate rather than an industry survey, so comparing quotes for your own home is the most reliable way to price it.

Is mobile home insurance required by law?

No federal law requires it, but a lender or lienholder will typically require coverage while you're paying off the home. If you own the home outright, it's optional but still protects a major asset.

Does mobile home insurance cover floods or hurricanes?

Wind damage from a hurricane is generally covered, but flooding is not, according to the Insurance Information Institute. Flood protection requires a separate policy through the NFIP or a private insurer.

Can I insure a mobile home built before 1976?

Yes, though it may take more shopping. Pre-1976 homes aren't eligible for FHA financing and can be harder to insure privately, per HUD Archives, so comparing several carriers helps.

What's the difference between mobile home and standard homeowners insurance?

Mobile home policies are written on separate forms designed for manufactured construction, transport, and anchoring, according to the Insurance Information Institute. They also more often use stated-amount valuation than site-built home policies.

How can I lower my mobile home insurance premium?

You can raise your deductible, add tie-downs and skirting, and bundle home and auto, based on carrier options from Foremost, GEICO, and Progressive. Some states also mandate wind-mitigation discounts.

We researched this guide using published, verifiable sources rather than proprietary estimates. Our reporting relied on the Insurance Information Institute's coverage and claims-settlement articles, HUD and 24 CFR Part 3280/3282 regulatory records via govinfo, National Weather Service wind data, and individual carrier product pages.

We note honestly that this guide relies on secondary and regulatory sources, and that no BestMoney first-party survey exists for mobile home insurance. Where a first-person expert view or research-depth figure belongs, we've flagged it for a credentialed reviewer to supply.

The right choice comes down to whether you'd rather compare many quotes at once or buy directly from one carrier. If you want options, start with a marketplace such as QuoteWizard or SelectQuote; if you prefer a single established insurer, Farmers or Liberty Mutual write manufactured-home coverage directly.

Whichever route you take, confirm your coverage type and payout basis, prioritize wind mitigation if you're in a high-risk state, and compare quotes before you renew. When you're ready, compare home insurance options for your property to see where you stand.