Best Mobile Home Insurance In South Carolina For 2025
Foremost is the top pick for the best mobile home insurance in South Carolina.
We’ve saved shoppers an average of $450 per year on their home insurance.
Protecting your mobile home and its contents comes with unique considerations, that aren’t commonly found with traditional houses. Mobile homes, also known as “manufactured homes,” are more exposed to elements like strong winds, hail, and water damage. This specific situation can make finding suitable mobile home insurance in South Carolina a bit more challenging.
If you’re looking for the best mobile home insurance for you and your family, there are various factors to think about. These include coverage options and costs. To make finding the right coverage at the right price easier, we’ve carefully identified the top-rated companies (Foremost is a standout choice for mobile home insurance) to protect your valuable residence and belongings.
Best Mobile Home Insurance Companies In South Carolina 2025
As you can see, the companies we've evaluated have made it to our list because of their unique company advantages and policy features that might match well with your individual situation. The best policy for you might not be the same as what's suitable for your friend, who lives in a mobile home just a short distance away.
Down below, we present the companies we've selected, along with a concise overview of key factors to consider:
Comparison Of The Best Mobile Home Insurance Companies In South Carolina
Now that we've given you a brief look at our top picks in each category, let's offer a clearer comparison by placing them side by side:
| Overall Rating | J.D. Power Rating /1000 | A.M. Best Rating | Bundle Discount | Best For | Get A Quote | |
|---|---|---|---|---|---|---|
| Progressive |
|
859 |
A+ |
Yes |
Runner-Up |
Instant Quote |
| Allstate |
|
854 |
A+ |
Yes |
Retirees |
Instant Quote |
| American Family |
|
855 |
A |
No |
Discounts |
Instant Quote |
| American Modern |
|
Not Rated |
A+ |
No |
Specialized Coverage |
Instant Quote |
| Foremost |
|
868 |
A |
No |
Overall |
Instant Quote |
| Assurant |
|
Not Rated |
A |
No |
Most Comprehensive Coverage |
Instant Quote |
| Farmers |
|
792 |
A- |
Yes |
Endorsements |
Instant Quote |
Our Methodology
In order to craft our assortment of suggestions tailored to distinct categories and our overall ranking, we reached our decisions by assessing the regular coverage options, extra coverage potential, online reviews, financial stability, and customer satisfaction ratings for each insurance provider. Unfortunately, the pricing specifics weren't obtainable through online resources for any of the insurers we extensively examined.
Quotes Analyzed
Research Hours
Years Of Experience
Brands Reviewed
The Best Mobile Home Insurance Companies In South Carolina
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a subsidiary of Farmers, offers a variety of standard and optional coverage choices similar to those provided by other mobile home insurance companies. However, what makes it distinct is its standout feature: the “extended replacement cost” coverage.
This coverage provides an added advantage with Foremost. If your mobile home is completely destroyed, you become eligible for reimbursement up to 20% beyond the value specified in your policy.
Foremost also stands out in terms of customer satisfaction. With a J.D. Power customer satisfaction rating of 868 out of 1,000, it outperformed all other insurers in our assessment.
However, it’s important to note that Foremost doesn’t offer immediate quotes on its website. Instead, after submitting your details through a quote form, you can expect to receive an email quote within 24 hours.
Another notable point is that Foremost ranks among the largest mobile insurance providers in the United States. Its extensive network includes over 38,000 agents, all representing the company.
Benefits & Drawbacks
⇅- Backed by AARP and provides member discounts
- Includes coverage for individuals with credit difficulties
- Extends policies to encompass older mobile homes
- Offers an array of additional coverage choices, such as debris removal and food spoilage ✓
- Lacks an online application option
- Quote delivery may require up to 24 hours ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive distinguishes itself with its discounts for new homeowners, solid financial stability, high customer contentment, and user-friendly website. Their website is easy to navigate, providing instant quotes and they have a mobile app for added convenience.
A unique trait among the mobile home insurers we assessed is Progressive’s “single deductible” benefit. By bundling your mobile home and auto insurance, a single deductible is applied to both policies instead of separate ones.
For example, if a hailstorm damages both your mobile home’s roof and your car, with a $500 deductible, you’ll only need to pay one deductible for repairs to both.
Furthermore, Progressive offers a combined discount for merging mobile home and auto insurance.
They also offer a “trip collision” endorsement option, which covers your dwelling and possessions during relocation.
Benefits & Drawbacks
⇅- Presents the choice for replacement cost coverage
- Showcases discounts designed for new homeowners
- Supplies a mobile app for enhanced convenience ✓
- Customer ratings are not as favorable in comparison to various other mobile home insurers
- A portion of policies are underwritten by third-party firms ✘
Best for Retirees
Key Statistics
Why We Like Them
⇅While Allstate offers comprehensive coverage suitable for a diverse range of individuals, they distinguish themselves by offering a special discount tailored to retirees aged 55+ and original titleholders of their mobile, or manufactured, homes. Similar to most insurers, Allstate also provides a bundle discount.
Another feature offered by Allstate’s mobile home insurance, which wasn’t found in other insurers that we assessed, is its “mine subsidence” coverage. This coverage shields against damage to your mobile home caused by land movement resulting from human-made mining activities.
Additionally, Allstate offers property protection that covers damage to satellite dish antennas.
When it comes to its standard mobile home coverage, Allstate is in alignment with its competitors. It has benefits like actual cash or replacement cost coverage for your mobile home structure and personal belongings, liability protection, and guest medical safeguarding. Moreover, they provide optional coverages such as protection against water backup, reimbursement for eco-friendly enhancements after a loss, and electronic data recovery.
Benefits & Drawbacks
⇅- Provides discounts for retirees and original title holders
- Offers a mobile app for user-friendly experience
- Presents a variety of valuable optional coverage choices ✓
- Customer experiences can vary based on your local agent
- Instant online quotes are not accessible ✘
Best for Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Unlike other mobile home insurance policies that omit coverage for floods, hurricanes, earthquakes, landslides, and mudslides, Assurant policyholders benefit from protection against these occurrences.
Assurant’s All Risk coverage protects against sudden and accidental incidents that lead to direct loss or damage to your mobile home (with minimal specified exclusions).
Furthermore, its 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 depreciation deduction.
Moreover, Assurant includes adjacent structures on your property, such as sheds, fences, or standalone garages, within its coverage. Additionally, it offers reimbursement for additional living expenses if your home becomes uninhabitable due to a covered loss.
Benefits & Drawbacks
⇅- Incorporates flood and earthquake coverage within the standard policy
- Provides standard replacement cost coverage for your home and belongings ✓
- Lacks online quotes; necessitates reaching out to the toll-free number between 7 am and 7 pm
- No provision of a mobile app ✘
Best for Endorsements
Key Statistics
Why We Like Them
⇅Customized to fit your specific needs, Farmers offers personalized mobile home insurance policies in South Carolina. With an extensive network of agents throughout the state, Farmers guides you in selecting the right coverage, deductible, and endorsements to suit your requirements.
Farmers’ selection of endorsements includes green-home improvements, allowing you to upgrade appliances and systems to energy-efficient models after a claim. They also offer the choice for replacement cost coverage, enhancing personal protection, and extending coverage against identity theft.
Furthermore, Farmers provides a range of discounts to policyholders. These include rewards for having a home security system, being a non-smoker, choosing paperless billing, maintaining a claims-free history, and bundling multiple policies, such as car or life insurance, with Farmers.
Benefits & Drawbacks
⇅- Claim forgiveness guarantees no premium increases after five continuous claim-free years
- Encompasses replacement of lost or stolen personal property, even when you're not at home ✓
- Quotes can only be acquired through an agent
- Earned the lowest J.D. Power score among the insurers we assessed ✘
Best for Discounts
Key Statistics
Why We Like Them
⇅While not as widely advertised as certain competitors with larger marketing efforts, American Family maintains its position among the top eight home insurers in the U.S. by market share.
This insurer distinguishes itself by offering various ways to reduce your monthly premium through their range of discounts.
You become eligible for discounts with American Family if you:
- Combine your mobile home and auto insurance
- Incorporate smart devices like Ring or Nest in your home
- Reside in a newer home purchased within the past three years
- Utilize the company’s autopay, full pay, and paperless billing options
American Family also offers diminishing deductible coverage. Starting from day one, they reduce your deductible by $100 – turning a $1,000 deductible into $900 as soon as your policy begins. Each subsequent year when your policy renews, your deductible gradually decreases, ultimately reaching your policy’s maximum limit.
Benefits & Drawbacks
⇅- Provides a wide variety of ways to qualify for discounts
- Showcases a mobile app for monitoring claim status
- Presents a varied array of additional coverage choices ✓
- Several reports suggest delayed claims processing ✘
Best for Specialized Coverage
Key Statistics
Why We Like Them
⇅Founded in 1949, American Modern prides itself on its claim of being one of the first companies to specialize in mobile home coverage.
It stands out by specializing in serving owners of vacant or seasonal mobile homes. This unique offering was notably absent among the other mobile home insurance providers we evaluated.
American Modern doesn’t offer replacement cost coverage in the event of a total loss. Instead, for such scenarios, it settles based on your home’s stated value, as indicated in your policy. Depreciation is not deducted. In cases of partial loss, it compensates with the actual cash value of the loss, although an option exists to upgrade to a replacement cost valuation.
Benefits & Drawbacks
⇅- Presents a robust mobile app for easy claims reporting
- Showcases an extensive grasp of the mobile home market thanks to decades of experience ✓
- Absence of online quotes; quotes need to be acquired through an agent
- Doesn't offer certain discounts that are accessible with other insurers ✘
How To Find The Best Mobile Home Insurance Company For You
To find the best mobile home insurance and the right insurer for your needs, follow these steps:
- Start by choosing at least three companies from our comprehensive reviews to request quotes from. Collecting multiple quotes will give you a better understanding of mobile home insurance, making sure you get appropriate coverage without paying too much.
- Determine which risks you want to be protected against. While fire coverage is standard in mobile home policies, consider your proximity to water bodies or mountains that might lead to flooding. Depending on the insurer, this might require a separate flood insurance policy.
- Make a list of valuable or unique items you own. Calculating their value alongside your other belongings will help you decide on the right policy limits, preventing the pitfalls of excessive coverage and overspending.
- Consider any upgrades, renovations, or significant changes that could affect the value of your mobile home when you’re looking for a quote.
Before or after getting quotes, take photos and note down serial numbers of valuable items, appliances, and other insured belongings. Store this information in a secure, fire-resistant container or at a different location. These details will be invaluable in case you need to file a claim in the future.
Find Mobile Home Insurance In South Carolina
Do You Need Mobile Home Insurance In South Carolina?
Firstly, if you’re securing a mortgage for your mobile home purchase in South Carolina, it’s likely that your lender will require insurance coverage.
Second, all homes in South Carolina, whether financed or not, face the unpredictable risks brought by severe thunderstorms with damaging winds, hail, tornadoes, and the potential effects of tropical storms and hurricanes originating from the Atlantic Ocean.
Lastly, make sure to review the regulations of your mobile home park or community to ascertain whether residents are obliged to carry mobile home insurance in South Carolina.
What Does Mobile Home Insurance Cover?
A standard mobile home policy usually includes the following coverage:
Dwelling Coverage
This part handles expenses for repairing or replacing your mobile home’s structure if it gets damaged by events your policy covers, up to the limit you choose. You’ll also pick a deductible, which you’ll pay before the insurer contributes to an approved claim.
The following events are typically covered:
• 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 aspect covers repairs for structures like sheds, fences, or other unattached constructions if they’re damaged by events covered in your policy.
Personal Property Coverage
This coverage funds replacements or repairs for electronics, furniture, and other possessions if they’re damaged or stolen.
Liability Insurance
If a visitor is injured and takes legal action against you or you accidentally cause harm to others’ property or well-being, liability insurance comes into play. It often includes coverage for associated legal costs.
What Doesn’t Mobile Home Insurance In South Carolina Cover?
Exclusions are a part of every insurance policy. When it comes to mobile home insurance in South Carolina, the following damages are typically not covered:
Floods
If your policy doesn’t include flood damage coverage and you live in a high-risk area, it’s wise to consider getting separate flood insurance.
Earthquakes
Even though South Carolina isn’t prone to earthquakes, mobile home insurance in the state doesn’t offer protection against “earth movement.”
Wear And Tear
Insurance covers sudden, accidental damage, but it doesn’t extend to the natural wear and tear that occurs as items age.
Insect Or Animal Infestation
Insurers consider pest prevention to be part of routine maintenance, which isn’t typically covered.
Damage From Using Your Mobile Home For Business Purposes
If you conduct business activities from your mobile home, you might need a commercial policy.
Largest Manufactured Home Insurance Providers In South Carolina
| 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% |
How To Buy Mobile Home Insurance Online In South Carolina
These steps streamline the process of purchasing mobile home insurance online, ensuring a straightforward and relatively swift experience:
- Determine your required level of protection: Beyond safeguarding your dwelling, calculate the total value of your mobile home’s contents. This assessment helps in setting appropriate property damage limits for the replacement of your home and belongings.
- Get an online quote: Many mobile home insurance providers in South Carolina offer the convenience of online quotes. Some websites even allow for coverage and cost comparisons, making the online shopping experience even easier.
- Complete the application: After finding suitable coverage at an affordable price, you’ll move on to complete an insurance application. While many insurers allow you to submit applications online through their websites, some might require an in-person meeting with an agent to finalize the application.
Unique Considerations For Mobile Home Insurance In South Carolina
Much like its close neighboring state to the south, Florida, South Carolina encounters a variety of demanding weather conditions, such as:
- Wildfires
- Destructive winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical storms
- Hail
- Flood damage
Given these circumstances, we highly recommend that all mobile home owners in South Carolina make sure they have ample coverage.
How To Find Cheap Mobile Home Insurance In South Carolina
To find cost-effective mobile home insurance in South Carolina, it’s a smart move to request quotes from at least three insurance companies. Rates vary among insurers for both their basic coverage and additional choices. While inquiring about available discounts, make sure to take advantage of potential savings.
Nevertheless, we caution against solely choosing an insurer based on cost. Prioritize having appropriate coverage limits and ensure that your quotes provide a genuine apples-to-apples comparison.
Find Mobile Home Insurance In South Carolina
Looking For Mobile Home Insurance In Other U.S. States?
FAQs
Is mobile home insurance more expensive in South Carolina?
In the majority of instances, mobile home insurance expenses in South Carolina align closely with those in neighboring Southeastern states. There’s an exception in Florida, where numerous insurers abstain from offering mobile home insurance coverage.
Do you need mobile home insurance in South Carolina?
Although South Carolina doesn’t have a state law mandating insurance for your mobile home, your mortgage lender could still make it a requirement. However, regardless of whether you have a mortgage, we strongly advise obtaining mobile home insurance for your personal protection.
How are mobile home insurance rates determined?
Mobile home insurance rates are shaped by a variety of factors, including your location, coverage limits, selected deductible, and any relevant discounts.
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