Best Mobile Home Insurance In Arizona, 2024
Foremost offers the best mobile home insurance in Arizona.
Due to the exposure and vulnerability of mobile homes to extreme weather events like hail, windstorms, and water damage, it can be challenging to qualify for mobile home insurance in Arizona.
If you’re looking around for the best mobile home insurance, there’s quite a bit to consider, such as coverage and price.
To assist you in your search for the best insurance at the best price, we have identified the top-rated companies in Arizona, and selected Foremost as being the “Best Overall” for mobile home insurance to safeguard your home and property.
Best Mobile Home Insurance In Arizona, 2024
As you’ll see, each of the companies we reviewed qualified to be on our “Best” list because they provide company advantages along with policy features that might be a good choice for your individual situation.
The policy that is best for you may not necessarily be the best for a neighbor living in a mobile home across the road from you. Everyone’s circumstances are unique.
Here is a list of the companies we’ve shortlisted, and a table showing a few major factors:
Compare The Best Mobile Home Insurance In Arizona
Now that you've had a look at our winners in each category, here is 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
When deciding which insurance providers made it onto our “Best For” list and the rating scores we assigned each company, we based our opinions on several factors, including standard coverages, optional coverages, online reviews, and customer satisfaction ratings.
We were unable to obtain rate costs as they weren’t available online for the providers we reviewed.
Quotes Analyzed:
Research Hours
Brands Reviewed
Years Of Experience
Best Mobile Home Insurance Companies In Arizona
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, which is a subsidiary of Farmers Insurance, has standard and optional coverage available. These are normally offered from other mobile home insurance carriers. But what sets Foremost apart is its attractive and most competitive feature, their “extended replacement cost” coverage.
Here is where policyholders find value in replacement cost coverage with Foremost: If your mobile home is totally destroyed, you will be eligible for reimbursement up to as much as 20% more than the face value of your policy coverage limit.
Foremost is superior in the area of customer satisfaction, as well. Its J.D. Power customer satisfaction rating is a superb 868 / 1,000, which makes it the highest ranked of all the insurers we reviewed in customer service and satisfaction.
On the slightly down-side, Foremost does not provide instant quotes on its website. You must submit your information on a quote form, then you’ll receive an email quote from the company within 24 hours. Foremost is one of the largest and most reputable mobile home insurance providers in the country, with almost 40,000 agents representing the company.
Benefits & Drawbacks
⇅- Writes policies covering older mobile homes
- Endorsed by AARP and provides member discounts
- Good range of additional coverage, including debris removal and food spoilage
- Will insure people with credit issues ✓
- No online application is available
- Takes up to 24 hours to receive a quote ✘
Runner-Up for Best Overall
Key Statistics
Why We Like Them
⇅Progressive is a great choice for mobile home insurance for many reasons, such as: discounts it offers new homeowners, high financial strength, customer satisfaction ratings, and digital experience. Progressive’s website is fast and easily navigated. You can get an instant online quote. It also offers a mobile application that’s a convenient feature.
Progressive’s “Single Deductible” benefit was unique in the mobile home insurance companies we reviewed. Here’s how it works: If you bundle your mobile or manufactured home and your vehicle insurance with Progressive, any claim you file for either of these policies will apply to both, rather than you having to pay two separate deductibles.
Example: If a hail storm damages the roof of your mobile home and your vehicle, too, and you have a $500 deductible for each policy, you only have to pay one deductible of $500 and both will be repaired. This is a valuable benefit and immensely popular with policyholders.
In addition, you will get a discount when you bundle your mobile home and auto insurance with Progressive, making it even more of a money-saver.
Progressive has an endorsement option for “Trip Collision” that covers your mobile home along with your personal property while it’s being moved from one place to another, too.
Benefits & Drawbacks
⇅- Has replacement cost coverage available
- Mobile app available
- Discounts geared toward new homeowners ✓
- Consumer ratings less favorable than many mobile home insurers
- Some policies are underwritten by third-party companies ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅American Modern is one of the first insurance companies to specialize in mobile home insurance, back when it was founded back in 1949.
The company stands out on its field with special policies and coverage for owners of mobile homes that are vacant or seasonal. We didn’t run across this useful benefit with any of the other mobile home insurance providers we reviewed.
In the event of a total loss, American Modern will settle at the stated value of your home, as listed in your policy, with no depreciation deduction. If the loss is only partial, the company will pay you the actual cash value of the loss. However, the policyholder is given the option of upgrading coverage to a replacement cost valuation.
Benefits & Drawbacks
⇅- Has a solid mobile app on which you can report claims
- Understands the mobile home market from decades of experience ✓
- No online quotes; must get from an agent
- Doesn’t offer some discounts that other insurers do ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate offers comprehensive coverage for all mobile home owners, but it has a special discount for those aged 55 and over, a perk for seniors. This company also gives a discount to anyone who holds the original title of their mobile home.
These benefits make coverage more affordable and are appreciated by policyholders. Allstate offers a bundle discount, too, as do most other insurers.
The company’s “Mine Subsidence” coverage is unique to Allstate mobile home coverage among the companies we reviewed. This specialized coverage will cover damages to your mobile home caused by movement of land, and/or triggered by a man-made mine. It has property protection against damages to an antenna satellite dish, too.
Allstate’s standard mobile home policy is much the same as its competition, with benefits like liability protection, guest medical protection, along with actual cash or replacement cost coverage for your mobile home structure and personal property.
Optional coverages include: reimbursement for green improvements after a covered 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 Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅There aren’t many mobile home insurance policies that offer protection against such natural disasters as: floods, earthquakes, landslides, or mudslides. But, Assurant policyholders are covered against these extreme events and more.
Assurant’s “All Risk” coverage gives policyholders protection against accidental events that cause a loss or damage to your mobile home, with only a few exceptions. In addition, Assurant’s home and personal property replacement cost will replace your home and possessions with brand new items of similar kind and quality. There’s no deduction for depreciation, either, making this an outstanding benefit.
Assurant coverage extends to adjacent structures on your property, too, like sheds, fences, or unattached garages. It will also pay for additional living expenses if your home is too damaged to live in after a covered loss.
Benefits & Drawbacks
⇅- Replacement cost for your home and property is standard
- Covers flood and earthquakes with standard coverage ✓
- No online quotes, must call toll-free number 7 am to 7 pm
- No mobile app ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅American Family might not have the brand recognition that some of its competition with larger advertising budgets enjoy, but it’s among the top 8 home insurance providers, by market share, in the United States. With multiple discounts available, American Family offers multiple ways to save money on rates.
Shown below are the requirements to qualify for discounts with American Family:
- 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
In addition, American Family offers their diminishing deductible coverage to policyholders. It credits your deductible $100 on the first day that you purchase a policy. So, a $1,000 deductible becomes a $900 deductible right away. After that, your deductible will be reduced (diminished) up to the maximum limit of coverage each year when you renew your policy.
Benefits & Drawbacks
⇅- A large number of ways to qualify for discounts
- Has a mobile app that can track your claim’s status
- Variety of additional coverage options ✓
- Reports of slow claims processing ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅You can customize Farmers mobile home insurance in Arizona to fit your unique needs. This company has many agents within the state to help you choose the best deductibles, coverage, and endorsements to suit your situation.
This company’s endorsements include “green home” improvements.This means that after a claim, this endorsement will upgrade your appliances to energy efficient models. You have the option of getting replacement cost coverage to deliver extra personal protection, and identity theft coverage, as well.
Farmers offers discounts to policy owners. These discounts include enrolling in paperless billing, installation of a home security system in your home, having a claims-free history, and not smoking.
Benefits & Drawbacks
⇅- Claim forgiveness prevents rate increases after 5 continuous years with no claims filed
- Replaces your personal property that is lost or stolen, even when you’re away from home ✓
- You can only get a quote from an agent
- Lowest J.D. Power score of insurers we reviewed ✘
How To Find The Best Mobile Home Insurance Company For You
If you’ve made a decision to purchase mobile home insurance and want to track down adequate coverage at a reasonable cost, along with the right company, follow these 4 steps:
- Choose at least 3 companies for quotes from the ones we’ve reviewed here. Getting multiple quotes helps you become more knowledgeable about mobile home insurance. It will also prevent you from overpaying for coverage.
- Think about which perils your policy should cover. Protection against fire is standard in mobile home insurance, but you should also consider factors such as living near water or mountains that may cause flooding. If you’re living in an area where this could be a problem, you may need a separate flood insurance policy. This depends on the insurance company
- Don’t forget to insure valuables or unique collectible items you own. Calculating the value of these items, along with your other possessions, will help you get the right amount of policy limits and helps to prevent over-insuring and overspending on insurance protection. It will also help prevent under-insuring your personal possessions.
- When you obtain a quote for coverage, make sure you include upgrades, renovations, or other work that might affect the value of your mobile home.
- Take clear photos and record the serial numbers of valuables, appliances, and other items you want to insure, either before or after getting quotes. Keep these records in a secure waterproof and fireproof container, a safe, or at a separate location. If you have to file a claim, you’ll need all of this information.
Average Cost of Home Insurance in Arizona
None of the companies we reviewed had rates shown on their websites, but we estimated the approximate cost of mobile home insurance in Arizona as between $300 and $1,000 monthly.
This depends on several factors, including your deductible, coverage limits, options selected, and other elements as shown below.
Factors That Impact Mobile Home Insurance Policies in Arizona
Numerous things can affect your mobile home insurance rates, including:
- The limits and coverage you select
- Your deductible
- The age of your home
- The cost to replace your home
- Your claims history
- Where you live (zip code)
All of the insurers we reviewed offer assorted types of discounts to mobile home insurance policyholders. One of the most popular discounts is to bundle your mobile home coverage with your auto insurance.
What Does Mobile Home Insurance Cover?
Standard mobile home insurance usually has the coverage shown below:
Dwelling Coverage
Should you have to replace or repair the structure of your mobile or manufactured home, you’ll be covered up to the limit you specified when you purchased the policy, provided the damage resulted from a covered event.
You’ll have to pay the deductible you selected before the insurance carrier will pay benefits on an approved claim.
Events such as these are typically covered:
- Explosions
- Damage from wild or stray animals
- Fire
- Falling objects
- Burst pipes
- Wind and hail
- Vandalism
- Lightning
- Weight of ice and snow
Other Structures Coverage
This coverage will pay for repairs to a shed, fence or other structure provided it isn’t attached to your mobile home and the damage was the result of a covered event.
Personal Property Coverage
This coverage pays for repairs or replacements of furniture, electronics, and other personal belongings if they’re damaged or stolen by a covered event.
Liability Insurance
Liability insurance will pay if a visitor on your covered property sustains an injury and sues you, or if you accidentally cause property damage or injury to others. Liability insurance usually covers related legal expenses, too.
What Does Mobile Home Insurance In Arizona Not Cover?
Most insurance policies will have their own coverage exclusions. In Arizona, mobile home insurance usually doesn’t pay for damages as a result of:
Earthquakes
Arizona averages 140 earthquakes per year, but mobile home insurance in this state won’t protect you against “earth movement.”
Flooding
If your mobile home is within an area at risk for flooding and your insurance company doesn’t cover flood damage, we advise you to purchase flood insurance separately.
Insect Or Animal Infestation
Insurance companies consider pest prevention as a part of routine maintenance, so it is not covered.
Wear And Tear
Insurance covers accidental damage, but not normal wear and tear.
Damage Associated With The Use Of Your Mobile Home For Business Purposes
If you are conducting a business from your mobile home, you may need to get a commercial insurance policy
Largest Manufactured / Mobile Home Insurance Providers In Arizona
| Provider | Market share |
| Foremost | 18.6% |
| State Farm | 17.4% |
| Progressive | 16.9% |
How To Buy Mobile Home Insurance Online In Arizona
Following these three simple steps will make buying mobile home insurance online a fast and simple process.
- Calculate the amount of coverage you need. Besides your mobile home itself, figure the contents to know how much property damage coverage you need if you have to replace your mobile home and all its contents.
- Get a quote online. Most companies that sell mobile home insurance in Arizona offer the option of getting a quote online. There are websites, too, that show a comparison of cost and coverage, making shopping online for insurance much easier.
- Complete and submit your application for coverage. When you’ve determined how much coverage you need, and a price that fits your budget, you will need to complete your application. Most insurers’ websites will let you apply online, while others require you to meet with an agent to complete your application.
Unique Considerations For Mobile Home Insurance In Arizona
The state is known for its variety of extreme weather events, including:
- Lightning
- Damaging winds
- Tornadoes
- Wildfires
- Hail
- Flood damage
As extreme weather events are a possibility in Arizona, we advise every mobile home owner in Arizona to purchase adequate insurance coverage.
How To Find Cheap Mobile Home Insurance In Arizona
If you’re searching for low cost mobile home insurance in Arizona, get quotes from at least 3 insurance providers that seem suitable for your situation. You will discover that rates are different from one company to the next for basic coverage, along with options. Always ask about discounts that are available, as these are money-savers that will lower your premium.
We recommend not selecting an insurer based on price by itself. Be sure you have adequate coverage amounts and that you are getting an apples-to-apples comparison when you get quotes.
Do You Need Mobile Home Insurance In Arizona?
We believe that you do need mobile home insurance in the Grand Canyon State.
For one thing, if you have a mortgage on your mobile or manufactured home, the lender will almost certainly require you to maintain insurance on it.
Second, any dwelling in Arizona, mortgage or no, might face destruction and damage from extreme weather events like: extreme heat, wildfires, air quality, drought, flooding, and extreme cold that can cause burst water pipes and other damage.
Finally, be sure to check with your mobile home park or community to find out what their rules–if any–are about residents and mobile home insurance.
FAQs
Is mobile home insurance more expensive in Arizona?
Mobile home insurance in Arizona is in line with most other states across the country.
Do you need mobile home insurance in Arizona?
Arizona law doesn’t require insurance on your mobile home. However, if you have a mortgage, the mortgage company will almost certainly require that you maintain insurance on it. Even if it’s not a law or you don’t have a mortgage, we recommend that you buy mobile home insurance.
How are mobile home insurance rates determined?
Quite a few factors, such as your credit score, location, deductible, and any applicable discounts, all go into calculating mobile home insurance rates.
Sources
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