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Best mobile home insurance companies in Michigan

Foremost emerges as the top choice for the best mobile home insurance in Michigan.

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Written by
Bob Phillips

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Unlike conventional houses, mobile homes (sometimes referred to as “manufactured homes”) demand a distinct kind of insurance coverage to ensure the utmost protection for both the home itself and your possessions.

Given their susceptibility to intense windstorms, hail, and water damage, obtaining mobile home insurance in Michigan can be tricky in certain cases.

In your pursuit of the best mobile home insurance policy for your family and you, various factors warrant consideration, including coverage features and costs.

To help you in securing the best coverage at the right price, we have identified the top rated insurance providers (choosing Foremost as the “Best Overall” for mobile home insurance) to protect your residence and property.

Best mobile home insurance companies in Michigan 2023

As you'll notice, the companies we've reviewed have all earned their spot on our list due to the distinct advantages they bring and the policy features they offer. The ideal policy for your needs might differ from what suits your friend who resides in a mobile home just a short distance away.

Here, we present our chosen companies along with a brief overview of some essential criteria:

foremosticon-logo
Best Overall - Foremost
progressiveicon-logo
Runner-Up for Best Overall - Progressive
allstateicon-logo
Best for Retirees - Allstate
americanfamilyicon-logo
Best for Discounts - American Family Insurance
americanmodernicon-logo
Best for Specialized Coverage - American Modern
assuranticon-logo
Best Online Experience - Assurant
farmersicon-logo
Best for Endorsements - Farmers
Best Mobile Home Insurance, Michigan 2023

Compare the best mobile home insurance companies in Michigan

Having had a glimpse of our top picks in each category, let's now present a more direct comparison, placing them side by side for a clearer perspective:

Overall Rating Best For J.D. Power Rating /1000 Bundle Discount A.M. Best Rating Get A Quote
Progressive
4.9

Runner-Up

859

Yes

A+

 Instant Quote
Foremost
4.9

Overall

868

No

A

 Instant Quote
Allstate
4.8

Retirees

854

Yes

A+

 Instant Quote
American Family
4.8

Discounts

855

No

A

 Instant Quote
American Modern
4.5

Specialized Coverage

Not Rated

No

A+

 Instant Quote
Assurant
4.5

Most Comprehensive Coverage

Not Rated

No

A

 Instant Quote
Farmers
4.5

Endorsements

792

Yes

A-

 Instant Quote
Scroll to see comparisons ⇄

Our Methodology

In determining our list of top recommendations and their overall rating, we arrived at our decisions by evaluating each insurer’s standard coverages, additional coverage options, feedback from online reviews, financial stability, and ratings for customer satisfaction. Please note that pricing details were not accessible online for any of the insurers we assessed.

57

Quotes Analyzed

23+

Research Hours

15+

Years Of Experience

18

Brands Reviewed

Reviews Of The Best Mobile Home Insurance In Michigan


Best Overall

Overall Rating
4.9
Get A Quote ›

Key Statistics

10/10 Customer Reviews
8/10 Claims
10/10 Coverage Level
8/10 Affordability

Why We Like Them

⇅

Foremost, a subsidiary of Farmers, offers both standard and optional coverage features that you’d encounter with other mobile home insurers. However, what sets it apart is its most compelling offering: “extended replacement cost” coverage.

This replacement cost coverage from Foremost holds a distinct advantage. If your mobile home faces total destruction, you stand to receive reimbursement up to 20% beyond your policy limit’s value.

Foremost boasts remarkable customer satisfaction, outshining all other insurers we evaluated with a J.D. Power rating of 868 out of 1,000.

Keep in mind, though, that Foremost doesn’t provide immediate quotes on its website. Instead, once you submit your details through a quote form, an email containing your quote will reach you within 24 hours.

As one of the leading mobile insurance providers in the U.S., Foremost enjoys an extensive network of over 38,000 agents representing the company.

Benefits & Drawbacks

⇅
Benefits
  • Backed by AARP and offers member discounts
  • Accepts individuals with credit challenges
  • Comprehensive selection of supplementary coverage, such as debris removal and food spoilage protection
    • ✓
Drawbacks
  • Lacks an online application option
  • Quote processing may take up to 24 hours
    • ✘

Best Overall Runner-Up

Overall Rating
4.9
Get A Quote ›

Key Statistics

8/10 Customer Reviews
10/10 Claims
8/10 Coverage Level
8/10 Affordability

Why We Like Them

⇅

Progressive has attractive discounts tailored for new homeowners, along with robust financial strength, high customer satisfaction ratings, and a user-friendly website. Navigating Progressive’s website is a breeze, and you can swiftly obtain an instant quote. They also have a mobile app.

A unique feature among the mobile home insurers we assessed is Progressive’s “single deductible” benefit. By combining your mobile home and auto insurance under Progressive, any claim you submit for either policy influences both policies, negating the need for separate deductibles.

Here’s an example: If a hailstorm causes damage to both your mobile home’s roof and your car, and you have a $500 deductible for each policy, you’re only responsible for one deductible, covering the repairs for both assets.

Additionally, a bundle discount comes your way when you opt for both mobile home and auto insurance through Progressive.

Progressive further introduces an endorsement option for “trip collision.” This coverage protects your dwelling and personal belongings while in transit from one location to another.

Benefits & Drawbacks

⇅
Benefits
  • Offers replacement cost coverage
  • Features discounts tailored for new homeowners
  • Possesses a mobile app for convenience
    • ✓
Drawbacks
  • Consumer ratings are less positive compared to several other mobile home insurers
  • Some policies are underwritten by third-party firms
    • ✘

Best for Most Comprehensive Coverage

Overall Rating
4.5
Get A Quote ›

Key Statistics

7/10 Customer Reviews
8/10 Claims
10/10 Coverage Level
8/10 Affordability

Why We Like Them

⇅

Most mobile home insurance policies don’t offer protection against floods, hurricanes, earthquakes, landslides, and mudslides. However, Assurant policyholders enjoy a comprehensive shield against these events.

With Assurant’s All Risk coverage, you’re covered against any sudden and accidental events resulting in direct loss or damage to your mobile home (with a few specifically listed exceptions). Moreover, its dwelling and personal property replacement cost coverage guarantees the replacement of your home and belongings with new items of similar kind and quality, and there’s no deduction for depreciation.

Adjacent structures on your property, like sheds, fences, or separate garages, also fall under Assurant’s coverage. Furthermore, if your home becomes uninhabitable due to a covered loss, Assurant will bear the cost of additional living expenses.

Benefits & Drawbacks

⇅
Benefits
  • Includes flood and earthquake coverage as part of standard policy
  • Standard coverage incorporates replacement cost for your home and belongings
    • ✓
Drawbacks
  • Online quotes are unavailable; you must call the toll-free number between 7 am and 7 pm
  • Lacks a mobile app for convenient access
    • ✘

Best for Retirees

Overall Rating
4.8
Get A Quote ›

Key Statistics

8/10 Customer Reviews
8/10 Claims
10/10 Coverage Level
9/10 Affordability

Why We Like Them

⇅

Allstate stands out by offering comprehensive coverage suitable for all, and it goes the extra mile by extending special discounts to retirees aged 55 and above, as well as original titleholders of their mobile or manufactured homes. This can significantly enhance affordability for policyholders. Moreover, like most insurers, Allstate provides a bundle discount.

A noteworthy feature specific to Allstate’s mobile home insurance, not found among the insurers we evaluated, is its “mine subsidence” coverage. This safeguard encompasses damage to your mobile home caused by land movement resulting from a man-made mine. Additionally, Allstate caters to property protection against damage to satellite dish antennas.

Comparable to its competitors, Allstate’s standard mobile home coverage offers an array of advantages. These include options such as actual cash or replacement cost coverage for your mobile home’s structure and personal property, liability protection, and guest medical protection. For those seeking extra protection, optional coverages encompass defense against water backup, reimbursement for eco-friendly improvements post-loss, and electronic data recovery.

Benefits & Drawbacks

⇅
Benefits
  • Offers discounts for retirees and those holding the original title
  • Presents a mobile app for added convenience
  • Provides a commendable array of optional coverage selections
    • ✓
Drawbacks
  • Customer satisfaction levels fluctuate based on your local agent
  • Instant online quotes are not available
    • ✘

Best for Discounts

Overall Rating
4.8
Get A Quote ›

Key Statistics

8/10 Customer Reviews
8/10 Claims
10/10 Coverage Level
7/10 Affordability

Why We Like Them

⇅

Perhaps not as widely recognized as some of its counterparts boasting larger advertising budgets, American Family holds its ground as one of the leading eight home insurers in the U.S. in terms of market share. Leveraging its range of discounts, this insurer presents an array of ways to lower your monthly premium.

You’re eligible for discounts from American Family if you:

  • Bundle your mobile home and auto insurance
  • Outfit your residence with intelligent devices like Ring or Nest
  • Reside in a recently acquired home purchased within the past three years
  • Engage with the company’s autopay, full pay, and paperless billing features

American Family takes it a step further by introducing diminishing deductible coverage. This provision instantly trims your deductible by $100 on day one — turning a $1,000 deductible into a $900 deductible as soon as you secure your policy.

Subsequently, with every policy renewal, your deductible diminishes further, inching closer to your policy’s maximum limit.

Benefits & Drawbacks

⇅
Benefits
  • Offers an extensive array of pathways to qualify for discounts
  • Presents a mobile app capable of tracking your claim's status
  • Encompasses a diverse selection of supplementary coverage choices
    • ✓
Drawbacks
  • Instances of slow claims processing have been reported
    • ✘

Best for Endorsements

Overall Rating
4.5
Get A Quote ›

Key Statistics

4.7/10 Customer Reviews
8/10 Claims
10/10 Coverage Level
7/10 Affordability

Why We Like Them

⇅

Tailored to suit your individual requirements, Farmers offers customizable mobile home insurance policies in Michigan. With a widespread network of agents across the state, you can rely on Farmers’ expertise to assist you in selecting the perfect coverage, deductible, and add-ons.

Enhance the eco-friendliness of your home through Farmers’ endorsements, which encompass green-home improvements. In the aftermath of a claim, these endorsements facilitate the transition to energy-efficient appliances and systems.

Additionally, opt for the replacement cost coverage to ensure comprehensive personal protection, and safeguard yourself against identity theft with dedicated coverage.

Unlock substantial savings with Farmers’ exclusive discounts. These include benefits for having a home security system, being a non-smoker, opting for paperless billing, maintaining a claims-free track record, and bundling various policies with Farmers’ car or life insurance. Your financial well-being and peace of mind are paramount to us.

Benefits & Drawbacks

⇅
Benefits
  • Claim forgiveness ensures no rate hikes following five consecutive claim-free years
  • Replaces lost or stolen personal property, even when you're not at home
    • ✓
Drawbacks
  • Obtaining a quote exclusively through an agent is necessary
  • Received the lowest J.D. Power score among the insurers we evaluated
    • ✘

Best for Specialized Coverage

Overall Rating
4.6
Get A Quote ›

Key Statistics

8/10 Customer Reviews
10/10 Claims
8/10 Coverage Level
8/10 Affordability

Why We Like Them

⇅

Established in 1949, American Modern proudly holds the distinction of being one of the early pioneers in specializing specifically in mobile home insurance.

Its prominence in tailored coverage is evident through its provision of insurance for owners of mobile homes in vacant or seasonal conditions. This unique offering is notably absent from the array of services provided by other mobile home insurance companies we evaluated.

It’s important to note that American Modern does not provide replacement cost coverage for total losses. In the event of a total loss, it reaches an agreement based on the stated value of your home as listed in your policy. There’s no deduction for depreciation in this scenario.

Conversely, in the case of partial losses, it disburses the actual cash value of the loss. However, there’s an opportunity to upgrade to a replacement cost valuation if desired.

Benefits & Drawbacks

⇅
Benefits
  • Boasts a robust mobile app for streamlined claims reporting
  • Possesses an extensive understanding of the mobile home market, rooted in decades of experience
    • ✓
Drawbacks
  • Online quotes are unavailable; quotes must be obtained through an agent
  • Lacks certain discounts offered by other insurers
    • ✘

Do you need mobile home insurance in Michigan?

We believe that you need mobile home insurance in the state of Michigan.

Firstly, if you’re securing a mortgage for your mobile home purchase, your lender will likely require insurance coverage.

Furthermore, all homes in Michigan, whether owned outright or under a mortgage, confront the unpredictable risks brought by intense thunderstorms with damaging winds, hailstorms, tornadoes, and the potential impact of tropical storms and hurricanes from Florida or the Atlantic Ocean.

Lastly, it’s advisable to consult your mobile home park or community regulations to determine whether residents are obligated to carry mobile home insurance. Your peace of mind and security are our priorities.

How to find the best mobile home insurance company for you

To find the best mobile home insurance and the perfect company for your needs, adhere to these guidelines:

  • Begin by shortlisting at least three of our reviewed companies. Request quotes from them all. Gathering multiple quotes empowers you with a comprehensive understanding of mobile home insurance and guarantees that you aren’t paying more than necessary for your coverage.
  • Choose which perils you want safeguarded. Standard mobile home policies typically include fire protection. However, consider your geographical location in relation to water bodies or mountains that might pose flooding risks. In such cases, you might require a separate flood insurance policy, depending on the insurer’s offerings.
  • Reflect upon any valuable or distinctive possessions you possess. Calculating the combined value of these items and your other belongings will assist in determining appropriate policy limits. This prudent step prevents over-insuring and unnecessary expenditure.
  • Include any upgrades, renovations, or substantial work that could impact your mobile home’s value when obtaining a quote. This ensures that your coverage accurately reflects your property’s current state.
  • Whether prior to or post quote acquisition, capture photographs and note down serial numbers of valuable items, appliances, and other insurable possessions. Safeguard this information in a durable, fire-resistant container or store it separately. These records will prove invaluable in the event of a claim.

What does mobile home insurance cover?

A standard policy for your mobile home typically encompasses the following coverage:

Dwelling Coverage

This coverage addresses the cost of repairing or replacing your mobile home’s structure if it sustains damage from events covered by your policy. The coverage is capped at a limit of your choosing. Additionally, you’ll determine a deductible, which you must pay before the insurer contributes toward an approved claim.

Commonly covered events include

  • Fire
  • Lightning
  • Explosions
  • Vandalism
  • Falling objects
  • Wind and hail
  • Weight of ice and snow
  • Damage from wild or stray animals
  • Burst pipes

Other Structures Coverage

This feature covers the repair of structures not physically attached to your mobile home, such as sheds or fences, in the event of damage caused by incidents covered by your policy.

Personal Property Coverage

This coverage caters to the replacement or repair of your belongings, including electronics and furniture, if they are damaged or stolen.

Liability Insurance

Liability insurance becomes relevant if a visitor sustains injuries and files a lawsuit against you, or if you accidentally cause harm to others’ property or well-being. This type of coverage often extends to cover related legal expenses as well.

What does mobile home insurance in Michigan not cover?

Each insurance policy comes with its set of exclusions. For mobile home insurance in Michigan, it’s important to note that coverage typically doesn’t extend to the following types of damage:

  • Flooding: Damages resulting from floods are generally not covered. If you reside in an area prone to flooding and lack coverage for it, we strongly recommend acquiring distinct flood insurance.
  • Earthquakes: While Michigan isn’t a hotspot for earthquakes, it’s important to know that regular mobile home insurance in the state doesn’t safeguard against “earth movement.”
  • Wear and Tear: Insurance addresses abrupt, unintentional harm, not the gradual wear and tear that occurs as items naturally age.
  • Insect or Animal Infestation: Insurance encompasses preventive measures against pests as part of routine maintenance, but it doesn’t cover infestations themselves.
  • Damage Linked to Business Use: If you utilize your mobile home for business purposes, standard coverage might not suffice. You might require a commercial policy to adequately protect your business activities.

Understanding these exclusions ensures that your coverage aligns precisely with your needs and expectations. Your comprehensive protection is our priority.

Average cost of home insurance in Michigan

While none of the reviewed insurers display prices on their websites, our estimates suggest that mobile home insurance expenses in Michigan typically range from $40 to $125 per month. The final cost hinges on your chosen coverage limits, deductible, selected options, and additional considerations outlined below.

Various factors contribute to the pricing of your mobile home insurance policy in Michigan, which include:

  • Location (Zip Code): Your specific zip code plays a role in determining your insurance rates.
  • Home Age: The age of your mobile home is a factor considered in calculating your rates.
  • Replacement Cost: The expenses tied to replacing your home are factored into the equation.
  • Coverage Selection: Your chosen coverage limits and types influence your insurance cost.
  • Deductible: The deductible you opt for impacts your premium.
  • Claims History: Your history of insurance claims can affect the cost of your policy.

Each of the reviewed insurers presents various discounts for mobile home insurance policyholders. This includes opportunities like bundling your mobile home coverage with auto insurance, providing potential avenues for savings.

How to buy mobile home insurance online in Michigan

These practical steps streamline the process of purchasing mobile home insurance online, offering a straightforward and efficient experience:

  • Assess Your Protection Requirements: Begin by determining the extent of coverage you necessitate. Factor in not only your dwelling but also the total value of your mobile home’s contents. This evaluation will help you ascertain the appropriate property damage limits needed to replace both your home and valuable possessions.
  • Request an Online Quote: Most mobile home insurance providers in Michigan facilitate the acquisition of online quotes. Furthermore, several websites offer coverage and cost comparisons, enhancing the simplicity of your online coverage shopping experience.
  • Submit Your Application: Once you’ve arrived at a suitable coverage amount within your budget, it’s time to complete the application process. Many insurance company websites enable you to apply online directly. However, in certain instances, you might need to interact with an agent to finalize the application procedure.

Largest Manufactured Home Insurance Providers in Michigan

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 Michigan

Much like Florida, Michigan is prone to a variety of challenging weather conditions, which include:

  • Wildfires
  • Destructive Winds
  • Lightning
  • Tornadoes
  • Hurricanes
  • Tropical Storms
  • Hail
  • Flood Damage

Given this susceptibility, it’s prudent for all mobile home owners in Michigan to ensure they possess sufficient coverage. Your comprehensive protection is of paramount importance.

How to find cheap mobile home insurance in Michigan

To secure affordable mobile home insurance in Michigan, it’s wise to gather quotes from a minimum of three insurance providers. Notably, rates differ across insurers, encompassing both their fundamental coverage and optional offerings. Additionally, explore potential discounts that you might qualify for.

However, we advise against selecting an insurer solely based on the price. It’s essential to ensure that your coverage limits are appropriate, and when comparing quotes, make certain you’re conducting an accurate apples-to-apples comparison. Your comprehensive and tailored protection remains our priority.

Looking For Mobile Home Insurance In Other U.S. States?

FAQs

Is mobile home insurance more expensive in Michigan?

In general, mobile home insurance costs in Michigan are on par with its neighboring states in the Southeast. However, it’s worth noting that Florida stands as an exception. In Florida, a number of insurers don’t extend coverage to mobile homes. Your awareness of these regional dynamics ensures you’re well-informed about mobile home insurance variations.

Do you need mobile home insurance in Michigan?

While it’s not legally mandated by the state, your mortgage provider might stipulate insurance for your mobile home. Nevertheless, it’s our strong recommendation that you secure mobile home insurance, irrespective of whether you have a mortgage or not. Safeguarding your investment is our top priority.

How are mobile home insurance rates determined?

Mobile home insurance rates are influenced by a variety of factors, encompassing your location, coverage limits, chosen deductible, and any eligible discounts.

Sources

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