Best Mobile Home Insurance Companies In North Carolina For 2024
Foremost offers the best mobile home insurance in North Carolina.
Mobile homes (also referred to as “manufactured homes”) are different from traditional homes when buying insurance coverage that best protects the value of your mobile home and belongings.
If you’re in the market for the best mobile home insurance policy for yourself and your family, there is a lot to consider, including cover features and price.
To help you locate the right coverage at the right price, we have identified the top rated companies (and chose Foremost as the “Best Overall” for mobile home insurance) to safeguard your home and property.
Best Mobile Home Insurance In North Carolina, 2024
As you will see, each of the companies we have reviewed qualified to be on our list because they offer different company advantages as well as policy features that might be best for your unique circumstances. The best policy for you may not be the best for a friend living in a mobile home just down the road.
Here are the companies we shortlisted plus a snapshot of a few key factors:
Compare The Best Mobile Home Insurance In North Carolina
Now that you have seen a snapshot of our category winners, here is perhaps a clearer view that shows them side-by-side:
| Overall Rating | Best For | J.D. Power Rating | Bundle Discount | A.M. Best Rating | Get A Quote | |
|---|---|---|---|---|---|---|
| Foremost |
|
Overall |
868 |
No |
A |
Instant Quote |
| Progressive |
|
Runner-Up |
859 |
Yes |
A+ |
Instant Quote |
| Allstate |
|
Retirees |
854 |
Yes |
A+ |
Instant Quote |
| American Family |
|
Discounts |
855 |
No |
A |
Instant Quote |
| American Modern |
|
Specialized Coverage |
Not Rated |
No |
A+ |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
Not Rated |
No |
A |
Instant Quote |
| Farmers |
|
Endorsements |
792 |
Yes |
A- |
Instant Quote |
Our Methodology
To bring us to our “Best For” list and overall ratings, we based our opinion on each provider's optional coverages, online reviews, standard coverages, financial strength, and customer satisfaction ratings. Pricing was unavailable online for any of the insurance carriers we reviewed.
Quotes Analyzed
Research Hours
Years Of Experience
Brands Reviewed
Best Mobile Home Insurance Companies In North Carolina
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, which is a subsidiary of Farmers Insurance, offers both standard and optional coverage features you’re likely to find with other mobile home insurers, but its most attractive and competitive feature is its “extended replacement cost” coverage.
Here is the value of replacement cost coverage with Foremost: If your mobile home is completely destroyed, you’ll be eligible to be reimbursed up to 20% above the face value of your policy limit.
Foremost is a stand-out, too, in the area of customer satisfaction. Its J.D. Power customer satisfaction rating is a superior 868 / 1,000, top of all insurers that we reviewed.
But, Foremost does not provide instant quotes on its website. Instead, after you submit your information on a quote form, you will receive an email with a quote within 24 hours.
Foremost is one of the largest and most trusted mobile insurance providers in the United States, with over 38,000 agents representing the company.
Benefits & Drawbacks
⇅- Will insure people with credit issues
- Endorsed by AARP and provides member discounts
- Good range of additional coverage, including debris removal and food spoilage
- Writes policies covering older mobile homes ✓
- Takes up to 24 hours to receive a quote
- No online application is available ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive is appealing for several good reasons, including: high financial strength, discounts it offers new homeowners, customer satisfaction ratings, and digital experience. Progressive’s website is user friendly and easy to navigate. You can get an instant quote. It also offers a mobile app that is another attractive feature.
Unique to the mobile home insurance providers we reviewed was Progressive’s “single deductible” benefit. Here is how it works: If you bundle your mobile home and your auto insurance with Progressive, any claim you file for either of these policies applies to both policies, rather than having a separate deductible for each policy.
For instance, if a hail storm damages the roof of your mobile home and your car as well, and you have a $500 deductible for both policies, you will only have to pay one single deductible, and both will be repaired.
You’ll also get a bundle discount when you have your mobile home and auto insurance with Progressive, so you save even more money.
Progressive has an endorsement option for “trip collision,” as well, which covers your mobile home and personal property while it’s being moved from one place to another.
Benefits & Drawbacks
⇅- Mobile app available
- Has replacement cost coverage available
- Discounts geared toward new homeowners ✓
- Some policies are underwritten by third-party companies
- Consumer ratings less favorable than many mobile home insurers ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅While the majority of mobile home insurance policies don’t protect against natural disasters such as: hurricanes, floods, earthquakes, landslides, or mudslides; policyholders with Assurant do have protection against all of these events.
Assurant’s All Risk coverage offers protection against any sudden, accidental events that cause direct loss or damage to your mobile home (minus a few listed exclusions).
Additionally, its dwelling and personal property replacement cost coverage will replace your home and possessions with brand new items of like kind and quality, with no deduction for depreciation.
Assurant will also cover adjacent structures on your property, like a shed, fence, or an unattached garage. It pays for additional living expenses, also, if your home is too damaged to live in as the result of a covered loss.
Benefits & Drawbacks
⇅- Replacement cost for your home and property is standard
- Covers flood and earthquakes with standard coverage ✓
- No mobile app
- No online quotes, must call toll-free number 7 am to 7 pm ✘
Best for Retirees
Key Statistics
Why We Like Them
⇅While Allstate provides comprehensive coverage for all mobile home owners, it offers a special discount to retirees 55 and over, as well as those who hold the original title of their mobile or manufactured home, which makes coverage more affordable. Allstate also offers a bundle discount, as most insurers do.
Additionally, and unique to Allstate mobile home coverage among insurers we reviewed is the company’s “mine subsidence” coverage, which will cover damage sustained to your mobile home that’s caused by a movement of land and triggered by a man-made mine. It also provides property protection against damage to satellite dish antennas.
Allstate’s standard mobile home policy is in line with its competitors, with benefits such as liability protection, actual cash or replacement cost coverage for your mobile home structure and personal property, and guest medical protection.
Optional coverages include reimbursement for green improvements after a loss, protection against water backup, and electronic data recovery.
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 Discounts
Key Statistics
Why We Like Them
⇅While not as renowned as some of its competitors with bigger advertising budgets, American Family is amongst the top 8 home insurance providers in the United States by market share. With its money saving discounts, this carrier offers a wide variety of ways to save you money on monthly premiums.
To qualify for discounts with American Family you must:
- Use the company’s autopay, full pay, and paperless billing features
- Equip your home with smart devices like Ring or Nest
- Bundle your mobile home and auto insurance
- Live in a newer home you purchased within the last three years
American Family also offers its policyholders diminishing deductible coverage. This means that it credits your deductible on the first day by $100. So a $1,000 deductible becomes a $900 deductible the same day you take out your policy. After that, every year when you renew your policy, the deductible will be reduced up to the maximum limit of your policy.
Benefits & Drawbacks
⇅- Has a mobile app that can track your claim’s status
- Variety of additional coverage options
- A large number of ways to qualify for discounts ✓
- Reports of slow claims processing ✘
Best for Endorsements
Key Statistics
Why We Like Them
⇅Farmers mobile home insurance in North Carolina can be customized based on your individual needs. With numerous agents throughout the state, Farmers can help you choose the right coverage, deductible, and endorsements.
Farmers’ endorsements include green home improvements to upgrade your appliances to systems that are energy efficient models, after a claim. You may also opt for replacement cost coverage for extra personal protection along with identity theft coverage.
Farmers also have discounts available for policy owners. These include bundling multiple policies with Farmers’ car or life insurance, installation of a home security system in your home, enrolling in paperless billing, not smoking, and having a claims-free history.
Benefits & Drawbacks
⇅- Replaces your personal property that is lost or stolen, even when you’re away from home
- Claim forgiveness prevents rate increases after 5 continuous years with no claims filed ✓
- Lowest J.D. Power score of insurers we reviewed
- You can only get a quote from an agent ✘
Best for Specialized Coverage
Key Statistics
Why We Like Them
⇅American Modern was founded back in 1949 and says it is one of the first insurance companies to specialize in mobile home insurance.
This company makes its mark in specialized coverage by offering coverage to owners of mobile or manufactured homes that are vacant and/or seasonal. We didn’t find this offered by any other mobile home insurance companies that we reviewed.
American Modern doesn’t offer replacement cost for a complete loss. For a total loss, it settles at the stated value of your home as listed on your policy. No depreciation deduction, either. For a partial loss, it will pay the actual cash value of the loss, but you have the option of upgrading to a replacement cost valuation.
Benefits & Drawbacks
⇅- Understands the mobile home market from decades of experience
- Has a solid mobile app on which you can report claims ✓
- Doesn’t offer some discounts that other insurers do
- No online quotes; must get from an agent ✘
How To Find The Best Mobile Home Insurance Company For You
If you want to find the best mobile home insurance along with the right company for you, follow these simple steps:
- Select at least 3 companies for quotes of the ones we’ve reviewed. Getting multiple quotes helps you to become more knowledgeable about mobile home insurance and also ensures that you won’t overpay for your coverage.
- Decide what perils you need to have covered. Fire protection is standard, but you should take into consideration things like living near water or mountains that might cause flooding, for which you may need a separate flood insurance policy, depending on the insurer.
- Remember to insure the valuable or unique items you might have. Calculating the value of these items along with your other possessions will help you arrive at the best policy limits. This will prevent you from over-insuring or overspending.
- Be sure to factor in renovations, upgrades or other major work that might impact the value of your mobile home when you get a quote
Either before or after you get quotes, take photos and record the serial numbers of valuables, appliances, and other items you plan to insure. Keep this information in a waterproof, fireproof container or even at a separate location. You’ll need this information if you have to file a claim.
Do You Need Mobile Home Insurance In North Carolina?
We believe you need mobile home insurance in The Peach State.
First of all, if you have a mortgage when you buy your mobile or manufactured home, your lender will almost certainly require it.
Second, any home in North Carolina, with or without a mortgage, faces the unpredictable perils of extreme weather such as hail storms, tornadoes, tropical storms, violent thunderstorms with damaging winds, and hurricanes coming in from Florida or off the Atlantic Ocean.
Last, check with your mobile home park or community and find out if residents are required to have mobile home insurance.
What Does Mobile Home Insurance Cover?
A standard mobile home policy generally features the following coverage:
Dwelling Coverage
Dwelling coverage will pay to repair or replace the structure of your mobile home, provided it is damaged by covered policy events, up to a limit of your choosing. You will also select a deductible, which you must pay before the insurance carrier pays any amount on an approved claim.
Events such as these are generally covered:
- Wind and hail
- Weight of ice and snow
- Burst pipes
- Fire
- Lightning
- Explosions
- Vandalism
- Damage from wild or stray animals
- Falling objects
Other Structures Coverage
Coverage will pay for repairs to a shed, fence, or other structure that is not attached to your mobile home, provided the damage is caused by a covered event.
Personal Property Coverage
Personal property 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 if a visitor is injured on your covered property and sues you, or if you accidentally cause injuries or property damage to others. Liability insurance often covers related legal expenses, also.
What Does Mobile Home Insurance In North Carolina Not Cover?
Literally every insurance policy has its own coverage exclusions. Mobile home insurance in North Carolina typically does not pay for damage caused by:
Flooding
If your insurance carrier does not pay for flood damage and you live in an area that’s at risk for flooding, we advise that you purchase separate flood insurance.
Earthquakes
While North Carolina isn’t known for earthquakes, mobile home insurance in the state does not protect you against “earth movement.”
Wear And Tear
Insurance will cover sudden, accidental damage, but it will not cover normal, natural wear and tear.
Insect Or Animal Infestation
Insures consider pest prevention a part of ordinary maintenance, which is not covered.
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.
Average Cost Of Home Insurance In North Carolina
Though none of the insurers we reviewed provided prices on their websites, we estimate that the cost of mobile home insurance in North Carolina will range between $75 and $90 monthly. This depends on your deductible, coverage limits, options selected, and other factors as detailed below.
Factors That Impact Mobile Home Insurance Rates In North Carolina
Many factors affect your mobile home insurance rates, including:
- The cost to replace your home
- Your deductible
- Your claims history
- Where you live (zip code)
- The age of your home
- The limits and coverage you select
All of the insurers we have reviewed offer various types of discounts to mobile home insurance policyholders, such as bundling your coverage with your auto insurance.
Largest Manufactured / Mobile Home Insurance Providers In North Carolina
| Provider | Market share |
| Foremost | 60.00% |
| State Farm | 19.02% |
| North Carolina Farm Bureau | 12.02% |
How To Buy Mobile Home Insurance Online In North Carolina
Follow these steps to make buying a mobile home insurance policy online a simple and relatively fast experience.
- Determine the amount of protection you need. In addition to your dwelling itself, add up the contents of your mobile or manufactured home to calculate the property damage limits needed should you have to replace your home and valuables.
- Get a quote online. The majority of companies selling mobile home insurance in North Carolina offer the option of getting online to obtain a quote. There are websites, too, that will do a coverage and cost comparison that makes online shopping for coverage even easier.
- Complete your application. Once you’ve calculated the amount of coverage you need at an affordable price, you will need to complete your application for coverage. A lot of insurers’ websites offer the ability for you to apply online, but others will require you to meet with an agent to complete the application.
Unique Considerations For Mobile Home Insurance In North Carolina
Much like its neighbor to the south, Florida, North Carolina is prone to all kinds of rough weather, including:
- Tropical storms
- Damaging winds
- Tornadoes
- Hurricanes
- Lightning
- Flood damage
- Tropical storms
- Wildfires
- Hail
Because of this, we advise every mobile home owner in North Carolina to have adequate insurance coverage.
How To Find Cheap Mobile Home Insurance In North Carolina
If you’re shopping for cheap mobile home insurance in North Carolina, get quotes from at least 3 insurance companies that seem like a good fit for your needs.
You will discover that rates vary by company for their basic coverage, along with their options. Don’t forget to ask about any discounts that are available, as these are money savers.
We recommend not choosing an insurer based on price by itself. Ensure you have the right coverage limits and that you’re getting an apples-to-apples comparison when you obtain quotes.
FAQs
Is mobile home insurance more expensive in North Carolina?
Generally speaking, homeowners insurance in North Carolina is cheaper than many other states and the same holds true for mobile home insurance. Florida is an exception, as many insurers will not cover mobile homes in that state.
Do you need mobile home insurance in North Carolina?
By law, no, it is not required. But your mortgage company (if you have one) might require you to have insurance on your mobile home. That being said, we strongly recommend that you have mobile home insurance, whether you have a mortgage or not.
How are mobile home insurance rates determined?
Multiple factors, such as coverage limits, your location, deductible, and any applicable discounts, determine mobile home insurance rates.
Sources
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