Best Mobile Home Insurance Companies In California, 2024
Foremost stands out as the top choice for mobile home insurance companies in California.
Mobile homes, also referred to as “manufactured homes,” have unique insurance needs compared to traditional homes. Due to their susceptibility to severe windstorms, hail, and water damage, finding appropriate coverage can sometimes be a challenge in California.
For those seeking the best mobile home insurance policy, several factors come into play, including coverage features and expenses. To simplify your decision-making, we’ve evaluated various companies and chosen Foremost as the “Best Overall” option for protecting your mobile home and belongings.
Best Mobile Home Insurance Companies In California, 2024
In our assessment, each of the reviewed companies has earned its place on our list due to distinct company benefits and policy attributes. It's important to note that the most suitable policy for you might differ from what's best for a friend residing just a mile away in their own mobile home.
Here's a glimpse of our selected companies along with a summary of essential criteria:
Comparison Of The Best Mobile Home Insurance Companies In California
Now you've got a glimpse into our category victors, here's a more detailed perspective that places them in direct comparison:
| 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 choosing our "Best For" selection and overall rating, our assessment focused on the standard and optional coverages offered by each insurer, coupled with online reviews, financial stability, and customer satisfaction ratings.
It's important to note that none of the insurers we evaluated provide pricing information online.
Quotes Analyzed:
Research Hours
Brands Reviewed
Years Of Experience
The Best Mobile Home Insurance Companies In California
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a subsidiary of Farmers, provides the typical range of coverage options offered by other mobile home insurers. However, its standout feature is the “extended replacement cost” coverage it offers.
The value of this replacement cost coverage is notable: in the event of total destruction of your mobile home, you have the potential to receive reimbursement up to 20% beyond your policy limit.
Foremost’s distinction in customer satisfaction is evident, as indicated by its J.D. Power customer satisfaction rating of 868/1,000 – the highest among all the insurers we assessed.
It’s important to mention that Foremost doesn’t offer immediate online quotes on its website. Instead, upon completing a quote form, you can expect to receive an email quote within 24 hours.
Being one of the largest mobile insurance providers in the U.S., Foremost boasts a vast network of over 38,000 agents representing the company.
Benefits & Drawbacks
⇅- Backed by AARP endorsement and offers member discounts
- Accepts individuals with credit challenges
- Offers coverage for older mobile homes
- Provides a comprehensive selection of additional coverage, including debris removal and food spoilage protection ✓
- Lacks an online application option
- Quote processing may take up to 24 hours ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive stands out due to its appealing discounts for new homeowners, strong financial strength, and high customer satisfaction ratings. The user-friendly design of Progressive’s website ensures easy navigation, and it provides instant quotes. Moreover, the availability of a mobile app enhances the digital experience for policyholders.
A distinctive feature unique to Progressive among the mobile home insurers we reviewed is its “single deductible” benefit. By combining your mobile home and auto insurance with Progressive, any claim you make for either policy is subject to a joint deductible. This eliminates the need for separate deductibles for each policy.
For instance, if a hailstorm damages both your mobile home’s roof and your car, and you maintain a $500 deductible for both policies, you only need to cover one deductible, and repairs for both assets are covered.
Furthermore, there’s an added benefit of a bundle discount when you choose Progressive for both your mobile home and auto insurance needs.
Progressive goes a step further by offering an endorsement option called “trip collision.” This valuable feature safeguards your dwelling and personal belongings while they are in transit from one location to another.
Benefits & Drawbacks
⇅- Offers replacement cost coverage as an option
- Provides targeted discounts for new homeowners
- Features a convenient mobile app for policy management ✓
- Consumer ratings fall short compared to numerous other mobile home insurers
- Some policies are underwritten by third-party companies ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Established in 1949, American Modern asserts itself as one of the pioneers in insurance policies tailored to mobile homes. Its expertise lies in tailored coverage, particularly for owners of vacant or seasonal mobile homes. This unique feature sets it apart from the other mobile home insurance companies we evaluated.
However, it’s worth noting that American Modern does not provide replacement cost coverage for a complete loss. In the event of such a loss, it settles based on the stated value of your home as indicated in your policy, with no depreciation deduction.
Conversely, for partial losses, it compensates based on the actual cash value of the loss. Yet, the option to upgrade to a replacement cost valuation is available for partial losses.
Benefits & Drawbacks
⇅- Offers a reliable mobile app for convenient claims reporting
- Brings extensive experience and understanding of the mobile home market over decades ✓
- Requires obtaining quotes from an agent, as online quotes are unavailable
- Doesn't provide certain discounts available with other insurers ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅While Allstate ensures comprehensive coverage for all policyholders, it extends a special discount to retirees aged 55+ and original titleholders of mobile or manufactured homes. This discount contributes to making a policy more affordable. Additionally, Allstate presents a bundle discount, a common offering among most insurers.
Allstate mobile home insurance possesses a unique aspect not found in other insurers we reviewed: “mine subsidence” coverage. This coverage safeguards against damage to your mobile home resulting from land movement triggered by man-made mining activities. Furthermore, Allstate provides property protection to cover damage to satellite dish antennas.
Allstate’s standard mobile home coverage is on par with its competitors, encompassing benefits such as actual cash or replacement cost coverage for both your mobile home structure and personal property. The policy also includes liability protection and guest medical protection.
For those seeking added protection, optional coverages are available, ranging from coverage against water backup and reimbursement for green improvements after a loss to electronic data recovery.
Benefits & Drawbacks
⇅- Offers discounts for retirees and original title holders
- Provides a mobile app for convenient policy management
- Offers a variety of appealing optional coverage choices ✓
- Customer experiences may differ based on the performance of local agents
- Immediate online quotes are not available ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Unlike many mobile home insurance policies that lack coverage for floods, hurricanes, earthquakes, landslides, and mudslides, Assurant stands out by providing protection against these events for its policyholders.
Assurant’s All Risk coverage safeguards against sudden and accidental incidents that directly lead to loss or damage to your mobile home (with a few listed exclusions). Furthermore, their dwelling and personal property replacement cost coverage ensures that your home and belongings are replaced with new items of similar kind and quality, without any deduction for depreciation.
Additionally, Assurant extends its coverage to adjacent structures on your property, such as sheds, fences, or standalone garages. In cases where your home sustains severe damage due to a covered loss, Assurant also offers compensation for additional living expenses incurred while your home is uninhabitable.
Benefits & Drawbacks
⇅- Includes coverage for floods and earthquakes as part of the standard policy
- Provides replacement cost coverage for your home and property as a standard feature ✓
- Requires calling a toll-free number between 7 am to 7 pm for quotes, as online quotes are unavailable
- Does not offer a mobile app for convenience ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅While not as widely recognized as some of its larger-budget competitors, American Family holds its place among the top eight home insurers in the U.S. in terms of market share. This insurer distinguishes itself through a range of discounts that provide numerous avenues to reduce your monthly premium.
Qualifying for discounts from American Family is attainable through various methods, including:
● Bundling your mobile home and auto insurance
● Equipping your home with smart devices like Ring or Nest
● Owning a newer home purchased within the last three years
● Utilizing the company’s autopay, full pay, and paperless billing features
One notable aspect of American Family’s coverage is its diminishing deductible feature. On the day you acquire your policy, the deductible is reduced by $100, transforming a $1,000 deductible to $900. Subsequently, each year upon policy renewal, your deductible will continue to decrease until reaching the policy’s maximum limit.
Benefits & Drawbacks
⇅- Offers an extensive range of ways to qualify for discounts
- Provides a mobile app for tracking the status of your claims
- Presents a diverse selection of additional coverage options ✓
- Some reports indicate slower claims processing times ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Tailored to your individual requirements, Farmers offers customizable mobile home insurance policies in California. With a widespread network of agents across the state, Farmers is ready to assist you in selecting the appropriate coverage, deductible, and endorsements that suit your needs.
Among the endorsements offered by Farmers are options for green-home improvements, enabling you to upgrade your appliances and systems to energy-efficient models after a claim. Additionally, you have the opportunity to opt for replacement cost coverage, providing extra personal protection, along with identity theft coverage.
Farmers also extends various discounts to policyholders, including incentives for having a home security system, being a non-smoker, enrolling in paperless billing, maintaining a claims-free history, and bundling multiple policies, such as car or life insurance, with Farmers.
Benefits & Drawbacks
⇅- Claim forgiveness ensures that your rates won't increase after five consecutive years without a claim
- Covers the replacement of your personal property even when it's lost or stolen while you're away from home ✓
- Quotes are exclusively available through agents; no online quoting option
- Received the lowest J.D. Power score among the insurers we assessed ✘
How To Find The Best Mobile Home Insurance Company For You
For a successful pursuit of the best mobile home insurance and the right provider for your needs, adhere to these guidelines:
- Begin by selecting a minimum of three companies from our comprehensive review list and request quotes. Acquiring multiple quotes will equip you with valuable insights into mobile home insurance and ensure that you secure coverage without overspending.
- Determine the range of perils you wish to be covered against. While fire protection is a standard inclusion in mobile home policies, take into account your proximity to water bodies or mountains that might expose you to flooding risks. Depending on the insurer, you might need to consider obtaining a separate flood insurance policy.
- Assess the worth of your valuable or distinctive possessions. By calculating the total value of these items along with your other belongings, you’ll be better equipped to establish the appropriate policy limits. This step will prevent both over-insuring and overspending.
- Incorporate any recent upgrades, renovations, or significant alterations that might influence the value of your mobile home when requesting a quote.
Whether preceding or following your quote requests, make sure to capture photographs and document serial numbers of valuable items, appliances, and other belongings earmarked for insurance coverage. Safeguard this information in a resilient, fire-resistant container or an alternate secure location. These records will prove invaluable in the event of a claim.
Do You Need Mobile Home Insurance In California?
We recommend that you secure mobile home insurance in The Golden State, California.
Firstly, if you’re planning to finance your mobile home with a mortgage, your lender will likely require insurance coverage.
Secondly, whether or not you have a mortgage, residences across California are exposed to the unpredictable risks posed by severe thunderstorms harboring destructive winds, hailstorms, tornadoes, tropical storms, and potential hurricanes originating from the Pacific Ocean.
Lastly, it’s advisable to consult your mobile home park or community regulations to find out whether mobile home insurance is mandatory for residents.
What Does Mobile Home Insurance Cover?
A typical mobile home policy typically includes the following coverage:
Dwelling Coverage
This aspect ensures repairs or replacement of your mobile home’s structure when it’s damaged due to events covered by your policy. The coverage extends up to your selected limit. Additionally, you’ll choose a deductible, the amount you pay before the insurer’s involvement in approved claims.
The following events are usually covered:
- Fire
- Lightning
- Explosions
- Vandalism
- Falling objects
- Wind and hail
- Weight of ice and snow
- Damage from wild or stray animals
- Burst pipes
Personal Property Coverage
This part facilitates replacement or repair of your electronics, furniture, and other possessions in case they’re stolen or damaged.
Coverage For Other Structures
This provision caters to repair expenses for structures like sheds, fences, or other non-attached entities. It comes into play if an event specified in your policy causes damage.
Liability Insurance
Liability coverage settles claims if visitors sustain injuries and sue you, or if you unintentionally cause harm to others’ property. It often encompasses related legal expenses.
Average Cost Of Home Insurance In California
While none of the insurers we assessed display prices on their websites, our estimation places the cost of mobile home insurance in California between $40 and $125 per month. This range hinges on your chosen coverage limits, deductible, selected options, and additional factors discussed below.
Various aspects influence the pricing of your mobile home insurance policy in California:
- Location (ZIP Code): The region you reside in plays a role in determining rates.
- Home Age: The age of your mobile home contributes to the pricing.
- Replacement Cost: The cost of replacing your mobile home influences the rates.
- Coverage Limits: The scope of coverage you opt for impacts the premium.
- Deductible: The deductible you choose affects your insurance costs.
- Claims History: Your history of past claims can influence the rates you receive.
All the insurers we evaluated offer various discounts for mobile home insurance policyholders, which may include bundling your coverage with auto insurance.
What Does Mobile Home Insurance In California Not Cover?
Certain events are typically excluded from mobile home insurance coverage in California:
Flooding
Coverage usually doesn’t extend to damages caused by flooding. If your location is prone to flooding, it’s advisable to consider obtaining separate flood insurance to address this risk.
Wear And Tear
Insurance policies typically address sudden and accidental damage rather than normal wear and tear that occurs as items age.
Earthquakes
While earthquakes aren’t a common occurrence in California, standard mobile home insurance in the state doesn’t include protection against “earth movement” caused by seismic activity.
Business-Related Damage
If you utilize your mobile home for business purposes, damages associated with such use may not be covered by a standard policy. In such cases, you might need a commercial policy tailored to your business activities.
Insect Or Animal Infestation
Coverage doesn’t typically encompass damage from pest infestations. Insurers typically expect policyholders to handle pest prevention as part of regular maintenance.
How To Buy Mobile Home Insurance Online In California
To streamline the process of purchasing a mobile home insurance policy online, consider these steps:
- Assess Your Coverage Needs: Determine the level of protection required. Besides your home, evaluate the value of your belongings to establish appropriate property damage limits.
- Obtain Online Quotes: Many companies offering mobile home insurance in California offer the convenience of obtaining online quotes. Some websites even provide coverage and cost comparisons, further simplifying your online shopping experience.
- Submit Your Application: Once you’ve determined your desired coverage and a budget-friendly price, proceed to complete the application for coverage. While numerous insurers enable online application submissions, a few might require an in-person meeting with an agent to finalize the process.
Largest Manufactured Home Insurance Providers In California
| Provider | Market share |
| Foremost | 4.1% |
| Assurant | 1.7% |
| American Modern | 2.3% |
| American Family | 4.4% |
| Allstate | 8.77% |
| Progressive | 1.8% |
| State Farm | 8.34% |
Unique Considerations For Mobile Home Insurance In California
Much like any other coastal state, California faces a range of severe weather conditions that include:
- Wildfires
- Damaging Winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical Storms
- Hail
- Flood Damage
Given these potential risks, we advise all mobile home owners in California to ensure they possess sufficient coverage.
How To Find Cheap Mobile Home Insurance In California
For affordable mobile home insurance in California, it’s advisable to gather quotes from a minimum of three insurance providers. Rates can differ among insurers for both standard coverage and additional options. Don’t forget to inquire about available discounts.
However, we caution against selecting an insurer solely based on price. It’s important to ensure your policy offers appropriate coverage limits and to compare quotes on an equal basis.
Looking For Mobile Home Insurance In Other U.S. States?
FAQs
Is mobile home insurance more expensive in California?
In general, mobile home insurance costs in California are on par with those in neighboring Southeastern states, with the exception of Florida. In Florida, numerous insurers don’t provide coverage for mobile homes.
How are mobile home insurance rates determined?
Several factors influence mobile home insurance rates, such as your location, coverage limits, deductible, and any eligible discounts you may qualify for.
Do you need mobile home insurance in California?
While your mortgage lender might stipulate insurance for your mobile home, it’s not obligatory under state law. Nonetheless, we strongly advise having mobile home insurance, irrespective of whether you have a mortgage or not.
Sources
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