Best Mobile Home Insurance In Alabama For 2024
Foremost offers the best mobile home insurance policy in Alabama.
Because of the exposure and susceptibility of mobile homes to extreme weather events such as windstorms, hail, and water damage, it can be problematic to qualify for mobile home insurance in Alabama.
If you’re shopping around for the best mobile home insurance, there’s a lot to take into consideration, such as cost and coverage.
To assist you in getting the ideal insurance for your needs without breaking the bank, we’ve pinpointed the highest-rated insurance providers. Among them, Foremost stands out as our pick for the “Best Overall” in mobile home insurance, offering comprehensive coverage to safeguard your home and belongings.
Best Mobile Home Insurance In Alabama, 2024
You'll notice that all the companies we assessed made it onto our "A" list because they each provide unique benefits and policy features that could suit your specific situation. What's suitable for you might not be the best fit for a neighbor residing in a mobile home elsewhere in town.
Below, you'll find the list of companies we've narrowed down, along with a table highlighting some key factors:
Compare The Best Mobile Home Insurance In Alabama
Now that you've had a look at our winners in each category, here is a view that shows them side-by-side:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Rating /1000 | Get A Quote | |
|---|---|---|---|---|---|---|
| Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
Our Methodology
In determining which insurers made the cut for our “Best For” list and the rating scores of each company, we founded our opinions on factors like optional coverages, online reviews, standard coverages, and customer satisfaction ratings. We couldn't obtain rate costs as they were unavailable online for the providers we reviewed.
Quotes Analyzed:
Research Hours
Brands Reviewed
Years Of Experience
The Best Mobile Home Insurance Companies In Alabama
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a subsidiary of well-known Farmers Insurance, has both standard and optional coverage available, which can usually be found with other mobile home insurance carriers. What sets it apart is its most attractive and competitive feature, the “extended replacement cost” coverage.
Here is where policyholders find value in replacement cost coverage with Foremost: In the event that your mobile or manufactured home is completely destroyed, you’ll be eligible for reimbursement up to twenty percent more than the face value of your coverage limit.
Foremost is outstanding in the area of customer satisfaction, also. Its J.D. Power customer satisfaction rating is a superlative 868 / 1,000, making it the highest ranked of the insurers we reviewed in customer service and satisfaction.
A not-so-great thing is that Foremost does not allow instant online quotes on its website. You will have to submit your information on a quote form, and then you’ll receive an email quote from the company within 24 hours. Foremost is one of the largest and most prestigious mobile home insurance providers in the nation, with almost 40,000 agents representing the company.
Benefits & Drawbacks
⇅- Writes policies covering older mobile homes
- Endorsed by AARP and provides member discounts
- Good range of additional coverage, including debris removal and food spoilage
- Will insure people with credit issues ✓
- No online application is available
- Takes up to 24 hours to receive a quote ✘
Runner-Up for Best Overall
Key Statistics
Why We Like Them
⇅Progressive is a good choice for mobile home insurance for many reasons, including: customer satisfaction ratings, discounts it offers new homeowners, high financial strength, and digital experience. Progressive’s website is user friendly and easy to navigate. You can obtain an instant online quote. It offers a mobile application that’s a convenient feature, too.
Progressive’s “Single Deductible” benefit was unique in the mobile home insurance carriers we reviewed. Here’s how this benefit works: If you bundle your mobile or manufactured home and your car insurance with Progressive, any claim you file for either of these policies will apply to both, rather than having two separate deductibles.
Example: If a hail storm causes damage to the roof of your mobile home and your car, too, and you have a $500 deductible for both policies, you will only have to pay one deductible of $500 and both will be repaired. This is a really good benefit and one that is popular with policyholders.
Additionally, you will receive a discount when you bundle your mobile home and auto insurance with Progressive, which means that you save even more money.
Progressive also has an endorsement option for “Trip Collision” that covers your mobile home along with your personal property while it’s being moved from one place to another.
Benefits & Drawbacks
⇅- Has replacement cost coverage available
- Mobile app available
- Discounts geared toward new homeowners ✓
- Consumer ratings less favorable than many mobile home insurers
- Some policies are underwritten by third-party companies ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅American Modern was founded back in 1949, and is one of the first insurance companies to specialize in mobile/manufactured home insurance.
The company stands above the crowd with specialized policies and coverage for owners of mobile or manufactured homes that are seasonal or vacant. We didn’t find this useful benefit offered by any other mobile home insurance providers we reviewed.
In case of a total loss, American Modern will settle at the stated value of your home as listed in your policy. There is no depreciation deduction. If the loss is partial, the company will pay the actual cash value of the loss. However, the policy holder has the option to upgrade coverage to a replacement cost valuation.
Benefits & Drawbacks
⇅- Has a solid mobile app on which you can report claims
- Understands the mobile home market from decades of experience ✓
- No online quotes; must get from an agent
- Doesn’t offer some discounts that other insurers do ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate offers comprehensive coverage for all mobile home owners, but it has a special discount for seniors aged fifty-five and older, as well as anyone who holds the original title of their mobile or manufactured home. These perks make coverage more affordable and are appreciated by policyholders. Allstate offers a bundle discount, also, as do the majority of other insurers.
Unique to Allstate mobile home coverage amongst the companies we reviewed is the company’s “Mine Subsidence” coverage. This special coverage will pay on damages to your mobile home caused by movement of land and/or triggered by a man made mine. It provides property protection against damage to satellite dish antennas as well.
Allstate’s standard mobile home policy is on par with its competitors, including such benefits as guest medical protection, liability protection, along with actual cash or replacement cost coverage for your mobile home structure and personal property. Optional coverages include protection against water backup, electronic data recovery, and reimbursement for green improvements after a covered loss.
Benefits & Drawbacks
⇅- Good optional coverage choices
- Mobile app available
- Discounts for retirees and original title holders ✓
- No immediate online quotes
- Customer experiences vary depending on your local agent ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅There aren’t many mobile home insurance policies that protect against such natural disasters as: earthquakes, landslides, mudslides, or floods. But, Assurant policyholders are covered against these extreme events and more.
Assurant’s “All Risk” coverage gives policyholders protection against accidental events that cause a direct loss or damage to your mobile home, with only a few exclusions. Besides that, Assurant’s dwelling and personal property replacement cost will replace your home and possessions with new items of similar kind and quality, and there’s not a deduction for depreciation.
Assurant covers adjacent structures on your property, also, like fences, sheds, or unattached garages. It pays for additional living expenses, also, if your home is too damaged to live in following a covered loss.
Benefits & Drawbacks
⇅- Replacement cost for your home and property is standard
- Covers flood and earthquakes with standard coverage ✓
- No online quotes, must call toll-free number 7 am to 7 pm
- No mobile app ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅American Family may not have the brand recognition that some of its competitors with bigger advertising budgets do, but it’s among the top eight home insurance carriers, by market share, in the country. With a generous choice of discounts, American Family offers multiple ways to save money on your rates.
Here are the requirements to qualify for discounts with American Family:
- Bundle your mobile home and auto insurance
- Live in a newer home you purchased within the last three years
- Equip your home with smart devices like Ring or Nest
- Use the company’s autopay, full pay, and paperless billing features
Additionally, American Family offers policyholders their diminishing deductible coverage. It credits your deductible $100 on the first day that you secure the policy. So, a $1,000 deductible becomes a $900 deductible right away. The deductible will be reduced (diminished) up to the maximum limit of your coverage every year upon your policy renewal.
Benefits & Drawbacks
⇅- A large number of ways to qualify for discounts
- Has a mobile app that can track your claim’s status
- Variety of additional coverage options ✓
- Reports of slow claims processing ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers mobile home insurance in Alabama can be customized to fit your unique circumstances. This company has numerous agents within the state ready to help you select the best coverage, deductibles and endorsements to suit your needs.
Farmers’ endorsements include “green home” improvements. After a claim,this endorsement will upgrade your appliances to energy efficient models. You have the option of obtaining replacement cost coverage to deliver extra personal protection, in addition to identity theft coverage.
Farmers also offer discounts available to policy owners. These discounts include enrolling in paperless billing, bundling multiple policies with Farmers’ auto or life insurance, installation of a home security system in your home, having a claims-free history, and not smoking.
Benefits & Drawbacks
⇅- Claim forgiveness prevents rate increases after 5 continuous years with no claims filed
- Replaces your personal property that is lost or stolen, even when you’re away from home ✓
- You can only get a quote from an agent
- Lowest J.D. Power score of insurers we reviewed ✘
How To Find The Best Mobile Home Insurance Company For You
If you’ve decided to secure mobile home insurance and hoping to locate the best coverage at a reasonable rate, as well as the right company, just follow these four easy steps:
- Choose a minimum of three companies for quotes from the ones we have reviewed here. Obtaining multiple quotes will help you to become more knowledgeable about mobile home insurance. It will keep you from overpaying for coverage, too.
- Decide which perils your policy should cover. Fire protection is standard in any mobile home insurance, but consider factors such as living near water or mountains that may cause flooding, too. If you are located where this could be a problem, you might need a separate flood insurance policy. This depends on the insurance provider
- Insure any valuable or unique collectible items you own. Figuring the value of these items, along with your other possessions, will help you get adequate policy limits. This prevents over-insuring and overspending on insurance protection. It will also prevent under-insuring your personal property.
- When you get a quote for coverage, be sure to include renovations, upgrades, or other work that may affect the value of your mobile home.
- Take photos and record the serial numbers of appliances, valuables, and other items you want to insure, either before or after getting quotes. Keep this information secure in a waterproof and fireproof container, a safe, or even at a separate location. If you have to file a claim, you’ll need this information.
Average Cost of Home Insurance in Alabama
None of the insurers we reviewed provided rate prices on their websites, but we were able to estimate that the approximate cost of mobile home insurance in Alabama is approximately $129 per month. This is dependent on several factors, including your coverage limits, deductible, options selected, and other points as shown below.
Factors That Impact Mobile Home Insurance Policies in Alabama
Many things affect your mobile home insurance rates, including:
- Your claims history
- The age of your home
- Your deductible
- The cost to replace your home
- Where you live (zip code)
- The limits and coverage you select
All of the insurers we reviewed offer varied types of discounts to mobile home insurance policyholders. One of the most used discounts is to bundle your mobile home coverage with your vehicle insurance.
What Does Mobile Home Insurance Cover?
Standard mobile home insurance policies usually features the coverage shown below:
Dwelling Coverage
Dwelling coverage pays to replace or repair the structure of your mobile or manufactured home, provided the damage is the result of a covered event, up to the limit you specified when you purchased the policy. You will have to pay the deductible you chose before the insurance provider will pay benefits on an approved claim.
Events such as these are typically covered:
- Burst pipes
- Vandalism
- Damage from wild or stray animals
- Falling objects
- Fire
- Lightning
- Wind and hail
- Weight of ice and snow
- Explosions
Other Structures Coverage
This particular coverage will pay for repairs to a fence, shed, or other structure if it’s unattached to your mobile home and the damage was caused by a covered event.
Personal Property Coverage
This coverage pays for repairs or replacements of electronics, furniture, and other belongings if they’re stolen or damaged by a covered event.
Liability Insurance
Liability insurance pays if a visitor sustains an injury on your covered property and subsequently sues you, or if you accidentally cause injuries or property damage to others. Liability insurance typically covers related legal expenses, as well.
What Does Mobile Home Insurance In Alabama Not Cover?
A rule of thumb is that every insurance policy will have its own coverage exclusions. Mobile home insurance in Alabama generally doesn’t pay for damages caused by:
Earthquakes
Alabama isn’t prone to earthquakes, but mobile home insurance in this state won’t protect you against “earth movement.”
Flooding
If your insurance company doesn’t pay for flood damage and your mobile home is situated in an area at risk for flooding, we recommend that you purchase flood insurance separately.
Insect Or Animal Infestation
Insurers consider pest prevention part of routine maintenance, which is not covered.
Wear And Tear
Insurance covers accidental damage, but will not cover normal wear and tear.
Damage Associated With The Use Of Your Mobile Home For Business Purposes
If you conduct a business from your mobile home, you might need a commercial policy
Largest Manufactured / Mobile Home Insurance Providers In Alabama
| Provider | Market share |
| Foremost | 24.7% |
| State Farm | 19.2% |
| Progressive | 17.8% |
How To Buy Mobile Home Insurance Online In Alabama
Following these 3 simple steps will make purchasing mobile home insurance online a quick and easy process.
- Decide how much coverage you need – Other than your mobile home, calculate the contents of it to know how much property damage coverage you would need in the event you had to replace your mobile home and its contents.
- Get an online quote – The majority of companies that sell mobile home insurance in Alabama provide the option of obtaining a quote online. There are also websites that show you a comparison of cost and coverage, making online shopping for insurance a lot easier.
- Complete and submit your application for coverage – When you have calculated the amount of coverage you need, at a cost that won’t break the bank, you’ll need to complete your application. Most insurers’ websites allow you to apply online, while others require that you meet with an agent to complete an application.
Unique Considerations For Mobile Home Insurance In Alabama
Like some of Alabama’s coastal neighbors further to the south, the state is known for its variety of extreme weather events, including:
- Lightning
- Damaging winds
- Tropical storms
- Tornadoes
- Hurricanes
- Wildfires
- Hail
- Flood damage
Since extreme weather events are always a possibility in Alabama, we recommend that every mobile home owner in Alabama secures adequate insurance coverage.
How To Find Cheap Mobile Home Insurance In Alabama
If you’re looking for cheap mobile home insurance in Alabama, get quotes from at least three insurance providers that seem like a good fit for your situation. You will discover that rates vary from one company to another for basic coverage, as well as options. Be sure to inquire about discounts that are available, as these are a great way to save money on your premiums.
We advise against choosing an insurer based on price alone. Make sure you have adequate coverage amounts and that you’re getting an actual apples-to-apples comparison when you obtain quotes.
Do You Need Mobile Home Insurance In Alabama?
We believe that you absolutely need mobile home insurance in the Yellowhammer state.
First of all, if you take out a mortgage when you purchase your mobile or manufactured home, your lender will almost certainly require you to insure it.
Second, any dwelling in Alabama, mortgage or no, might face destruction and damage of extreme weather events like: tropical storms, violent thunderstorms with damaging winds, tornadoes, hail storms, and last but not least hurricanes that blow in from Florida or off the Atlantic Ocean.
Last, check with your mobile home park or community to find out what their rules are about residents and mobile home insurance, if any.
FAQs
Is mobile home insurance more expensive in Alabama?
Homeowners insurance in Alabama is higher than some other states and this is true of mobile home insurance, as well.
Do you need mobile home insurance in Alabama?
Alabama law doesn’t require that you have insurance on your mobile home. But, if you have a mortgage, the mortgage company will almost definitely require that you maintain insurance on it. Even if it isn’t a law or if you don’t have a mortgage, we strongly advise you to purchase mobile home insurance.
How are mobile home insurance rates determined?
Multiple factors, including your credit score, coverage limits, location, deductible, and any applicable discounts, all go into calculating mobile home insurance rates.
Sources
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