Best Mobile Home Insurance Companies In New Jersey, 2024
Foremost offers the best mobile home insurance in New Jersey.
Mobile homes differ from traditional homes when you’re purchasing insurance coverage that will best protect the value of your mobile home and its belongings.
If you’re looking around for the best mobile home insurance policy, there’s quite a bit to consider, including price and cover features.
To help you find the best coverage at the best price, we have identified the top rated companies (and chosen Foremost as the “Best Overall” for mobile home insurance) to protect both your home and your property.
Best Mobile Home Insurance In New Jersey, 2024
As you'll see, each of the different companies we have reviewed qualified to be on our list because they offered various company advantages along with policy features that may be the best choice for your circumstances. The best policy for you might not be the best for a neighbor living in a mobile home down the road from you.
Here are the companies we shortlisted, along with a table showing a few key factors:
Compare The Best Mobile Home Insurance In New Jersey
Now that you've had a look at our category winners, here's a better 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
To lead us to our “Best For” list and overall ratings of each insurer, we based our opinions upon online reviews, optional coverages, financial strength, standard coverages, and customer satisfaction ratings. We couldn't obtain pricing as it was unavailable online for the insurance providers we reviewed.
Quotes Analyzed:
Research Hours
Brands Reviewed
Years Of Experience
The Best Mobile Home Insurance Companies In New Jersey
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a subsidiary of Farmers Insurance, offers standard as well as optional coverage that can probably be found with other mobile home insurance providers. Its most appealing and competitive feature, though, is its generous “extended replacement cost” coverage.
Here is where the value lies of replacement cost coverage with Foremost: If your mobile or manufactured home is completely destroyed, you’re eligible to be reimbursed as much as 20% more than the face value of your policy limit.
Foremost stands out in the area of customer satisfaction, also. Its J.D. Power customer satisfaction rating is a superior 868 / 1,000, tops of all the insurers we reviewed.
On the down side, Foremost doesn’t give instant quotes on its website. You must submit your information on a quote form, and then receive an email quote within 24 hours.
Foremost is one of the largest and most reputable mobile home insurance carriers in the country, with almost 40,000 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 ✘
Runner-Up for Best Overall
Key Statistics
Why We Like Them
⇅Progressive is an attractive choice for multiple reasons, such as: customer satisfaction ratings, high financial strength, discounts it offers new homeowners, and digital experience. Progressive’s website is user friendly, fast and easy to navigate. You can obtain a quote instantly online. It offers a mobile app that’s another popular feature, also.
Progressive’s “Single Deductible” benefit was unique among the mobile home insurers we reviewed. Here’s the way it works: If you bundle your mobile home and your auto insurance with Progressive, any claim you might file for either of these policies applies to both policies, instead of incurring a separate deductible for each policy.
For instance, if a hail storm damages 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 single deductible of $500 and both will be repaired. This is a really great benefit and one that policyholders much appreciate.
You’ll also get a discount when you bundle your mobile home and auto insurance with Progressive, which means that you save even more money.
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
⇅When American Modern was founded in 1949, it was one of the first insurance companies that specialized in mobile or manufactured home insurance.
The company is a standout with its specialized coverage that offers coverage to owners of mobile or manufactured homes that are vacant and/or seasonal. We didn’t see this benefit offered by any other mobile home insurance company we reviewed.
For a total loss, American Modern settles at the stated value of your home as it’s listed in your policy. There’s no depreciation deduction, either. For a partial loss, the company will pay the actual cash value of the loss, but the policy holder has the option of upgrading to a replacement cost valuation.
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 offers comprehensive coverage for all mobile home owners, it has a special discount available to retirees 55 and over, along with those who hold the original title of their mobile or manufactured home. This makes coverage more affordable. Allstate offers a bundle discount, also, as do most other insurers.
In addition, and unique to Allstate mobile home coverage among insurers we reviewed, is the company’s “Mine Subsidence” coverage. This covers damages sustained to your mobile home that is caused by a movement of land and/or triggered by a man made mine. It provides property protection against damage to satellite dish antennas, too.
Allstate’s standard mobile home policy is on par with its competition, with benefits such as guest medical protection, liability protection, and actual cash or replacement cost coverage for your mobile home structure and personal property. Optional coverages include protection against water backup, reimbursement for green improvements after a loss, and 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
⇅Very few mobile home insurance policies protect against natural disasters such as: landslides, earthquakes, hurricanes, floods, or mudslides. But, policyholders with Assurant have protection against all of these extreme events.
Assurant’s All Risk coverage provides protection against sudden, accidental events that cause direct loss or damage to your mobile home, with the exception of a few listed exclusions.
Also, its dwelling and personal property replacement cost coverage replaces your home and possessions with brand new items of like kind and quality, and no deduction for depreciation.
Assurant will also cover adjacent structures on your property, such as a fence, shed, or unattached garage. It pays for additional living expenses, too, if your home is too damaged to live in as the result of a covered loss.
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
⇅American Family doesn’t have the name recognition as some of its competitors with bigger advertising budgets. Nevertheless, it is among the top eight home insurance carriers, by market share, in the United States.
With money saving discounts, this provider offers an assortment of ways to save money on your monthly premiums.
To qualify for discounts with American Family you must:
- 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 autopsy, full pay, and paperless billing features
Additionally, American Family offers policyholders diminishing deductible coverage. This means that it credits your deductible on the very first day by $100. So, a $1,000 deductible becomes a $900 deductible the very same day you secure your policy.
After that, the deductible will be reduced each year when you renew your policy, up to the maximum limit of your policy.
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
⇅Farmers mobile home insurance in New Jersey may be customized based on individual needs. With multiple agents throughout the state, Farmers can help you select just the right coverage, endorsements, and deductibles that best suit your needs.
Farmers’ endorsements include “green home” improvements after a claim that upgrade your appliances to systems that are energy efficient models. You may also opt for replacement cost coverage that provides extra personal protection , as well as identity theft coverage.
Farmers have discounts available for policy owners, too. These include installation of a home security system in your home, bundling multiple policies with Farmers’ car or life insurance, enrolling in paperless billing, having a claims free history, and not smoking.
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
If you’re searching to find the best mobile home insurance along with the right company, just follow these simple steps:
- Choose at least three companies for quotes, of the ones we’ve reviewed here. Obtaining multiple quotes will help you become more knowledgeable about the ins and outs of mobile home insurance and also keeps you from overpaying for your coverage.
- Decide which perils you need to have covered. Fire protection is standard, but also take into consideration things such as living near water or mountains that might cause flooding, in which case you might need a separate flood insurance policy, depending on the insurer.
- Don’t forget to insure any valuable or unique items you may possess. Calculating the value of these items, along with your other possessions, will help you to arrive at the right policy limits. This will prevent over-insuring or overspending on insurance protection.
- When you get a quote, be sure to include renovations, upgrades or other major work that could affect the value of your mobile home.
Take pictures and record serial numbers of valuables, appliances, and other items you intend to insure, either before or after you get quotes. Keep this information in a safe, waterproof and fireproof container, or even at a completely separate location. You will need this information if you have to file a claim.
Average Cost of Home Insurance in New Jersey
Though none of the insurers we reviewed gave prices on their websites, we estimated that the approximate cost of mobile home insurance in New Jersey is between $600 and $1,000 annually. This depends on several factors, including your coverage limits, deductible, options selected, and other elements as shown below.
Factors That Impact Mobile Home Insurance Policies in New Jersey
Many factors affect your mobile home insurance rates, including:
- The age of your home
- The limits and coverage you select
- The cost to replace your home
- Where you live (zip code)
- Your deductible
- Your claims history
All of the insurance providers we reviewed offer varied types of discounts to mobile home insurance policyholders, such as bundling your coverage with your vehicle insurance.
What Does Mobile Home Insurance Cover?
A standard mobile home insurance policy usually features the following coverage:
Dwelling Coverage
Dwelling coverage will pay to replace or repair the structure of your mobile or manufactured home, provided it’s been damaged by a covered policy event, up to the limit you chose when you secured the policy. You must pay the deductible you chose before the insurance provider pays on an approved claim.
Events such as these are typically covered:
- Lightning
- Burst pipes
- Wind and hail
- Weight of ice and snow
- Fire
- Vandalism
- Explosions
- Falling objects
- Damage from wild or stray animals
Other Structures Coverage
This coverage will pay for repairs to a fence, shed, or other structure that is unattached to your mobile home, as long as the damage is caused by a covered event.
Personal property coverage
This coverage will pay to replace or repair furniture, electronics, and other belongings if they are damaged by a covered event or stolen.
Liability insurance
Liability insurance will pay in the event a visitor is injured on your covered property and consequently sues you, or if you accidentally cause injuries and/or property damage to others. Liability insurance will often cover related legal expenses, too.
What Does Mobile Home Insurance In New Jersey Not Cover?
Literally every insurance policy has its own coverage exclusions. Mobile home insurance in New Jersey typically does not pay for damage caused by:
Earthquakes
Although New Jersey isn’t known for earthquakes, mobile home insurance in the state doesn’t protect you against “earth movement.”
Flooding
If your insurance company doesn’t pay for flood damage and you live in an area that’s at risk for flooding, we recommend that you purchase separate flood insurance.
Insect or Animal Infestation
Insures consider pest prevention a part of ordinary maintenance, which is not covered.
Wear and Tear
Insurance will cover sudden, accidental damage, but it will not cover normal, natural wear and tear.
Damage Associated With the Use of Your Mobile Home for Business Purposes
You might need a commercial policy if you conduct a business out of your mobile home.
Largest Manufactured / Mobile Home Insurance Providers In New Jersey
| Provider | Market share |
| Foremost | 11.80% |
| State Farm | 10.30% |
| Allstate | 9.40% |
How To Buy Mobile Home Insurance Online In New Jersey
Follow these steps to make purchasing mobile home insurance online an easy and relatively quick process.
- Decide how much protection you need. Besides your mobile home itself, add up the contents of your mobile or manufactured home to determine the property damage coverage needed if you have to replace your home and its contents.
- Get a quote online. Most companies that sell mobile home insurance in New Jersey offer the option of getting a quote online. There are websites, also, that perform a coverage and cost comparison, making online shopping for coverage easier
- Complete your application for coverage. When you have calculated the amount of coverage you need at a price that suits your budget, you’ll need to complete your application. Many insurers’ websites allow you to apply online, but others require you to meet with an agent to complete the application.
Unique Considerations For Mobile Home Insurance In New Jersey
Much like some of its coastal neighbors to the south, New Jersey is subject to a variety of extreme weather events, including:
- Damaging winds
- Wildfires
- Tropical storms
- Hail
- Hurricanes
- Lightning
- Flood damage
- Tornadoes
- Tropical storms
Due to the possibility of severe weather, we recommend that every mobile home owner in New Jersey has adequate insurance coverage.
How To Find Cheap Mobile Home Insurance In New Jersey
If you’re looking for cheap mobile home insurance in New Jersey, get quotes from at least three insurance providers that seem suitable for your circumstances. You’ll soon find that rates vary by company for their basic coverage, as well as their options. Be sure to inquire about any discounts that are available, as these are easy money savers.
We recommend not selecting an insurer based on just price. Be sure that you have the right coverage amounts and that you’re getting an apples-to-apples comparison if you obtain quotes.
Do You Need Mobile Home Insurance In New Jersey?
We believe you need mobile home insurance in the Garden State.
First, if you will have a mortgage when you buy your mobile or manufactured home, your lender will almost definitely require it.
Second, any dwelling of any kind in New Jersey, with or without a mortgage, faces the destruction and damage of extreme weather such as: tornadoes, hail storms, tropical storms, violent thunderstorms with damaging winds, and hurricanes that blow in from Florida or off the Atlantic Ocean.
Last, check with your mobile home park or community to find out if residents are required to maintain mobile home insurance.
FAQs
Is mobile home insurance more expensive in New Jersey?
As a general rule, homeowners insurance in New Jersey is in line with other states and the same is true for mobile home insurance.
Do you need mobile home insurance in New Jersey?
It is not required by law, no. However, if you have a mortgage on the home, your mortgage company will probably require you to have insurance on it. Still, law or not, we advise you to get mobile home insurance, whether you have a mortgage or not.
How are mobile home insurance rates determined?
Multiple elements including your location, coverage limits, deductible, and any applicable discounts, all go into calculating mobile home insurance rates.
Sources
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