Best Mobile And Manufactured Home Insurance In California 2025

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 manufactured 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.

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 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.

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 homes. This unique feature sets it apart from the other 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.

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 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 manufactured home structure and personal property. The policy also includes liability protection and guest medical protection.

For those seeking added protection, optional add-ons are available, ranging from coverage against water backup and reimbursement for green improvements after a loss to electronic data recovery.

Unlike many 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.

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.

Tailored to your individual requirements, Farmers offers customizable mobile home insurance policies. 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.