Best Mobile Home Insurance In Delaware 2024
Foremost is renowned for offering the finest mobile home insurance policies in Delaware.
We’ve saved shoppers an average of $450 per year on their home insurance.
Mobile homes, also called manufactured homes, are vulnerable to windstorms, hail, and water damage, making it challenging to qualify for insurance in Delaware.
If you’re looking for the best mobile home insurance policy, there are several factors to consider, including coverage features and cost. We’ve compiled a list of top-rated companies to assist you, with Foremost named as the “Best Overall” for mobile home insurance.
Best Mobile Home Insurance Companies In Delaware 2024
Each of the companies we've evaluated has made our list because they offer distinct advantages and policy features that may be suitable for your situation. The ideal policy for you might not match what works for a friend living in a mobile home nearby.
Here's a rundown of the shortlisted companies and some key criteria.
Compare The Best Mobile Home Insurance in Delaware
After giving you a glimpse of our category winners, here's a clearer comparison that puts them side-by-side:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Cust. Satisf. Rating | 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 |
Best Mobile Home Insurance Companies In Delaware
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate offers broad coverage to everyone, with discounts for retirees aged 55 and older and original titleholders of mobile or manufactured homes, which can lower policy expenses.
What makes Allstate’s mobile home insurance different from other insurers is its “mine subsidence” coverage, which protects against damage caused by land movement triggered by man-made mines. It also includes property protection for satellite dish antennas.
Allstate’s standard mobile home insurance is in line with what competitors offer, with benefits such as actual cash or replacement cost coverage for the mobile home and personal belongings, liability protection, and guest medical coverage. Optional extras include water backup protection, reimbursement for environmentally friendly improvements after a loss, and electronic data recovery.
Benefits & Drawbacks
⇅- Discounts geared towards retirees and original title holders
- Mobile app for convenient management
- Offers a variety of beneficial optional coverage options ✓
- Customer experiences may differ based on your local agent
- Immediate online quotes are not provided ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive is attractive for its discounts for new homeowners, strong financial stability, and high customer satisfaction ratings.
Their website is user-friendly, offering instant quotes, and they have a mobile app.
One of Progressive’s unique benefits is its “single deductible” feature, where bundling your mobile home and auto insurance means any claim applies to both policies with just one deductible to pay.
For example, if your mobile home’s roof and your car are damaged in a hailstorm, you’ll only pay one deductible for repairs.
Bundling also earns you a discount, and they offer an endorsement for “trip collision” coverage during relocation.
Benefits & Drawbacks
⇅- Replacement cost coverage is available
- Discounts are available for new homeowners
- Features a mobile app for customer convenience ✓
- Consumer ratings are less favorable compared to many other mobile home insurers
- Some policies are underwritten by third-party companies ✘
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a Farmers subsidiary, offers standard and optional coverage similar to other mobile home insurers, but its standout feature is the “extended replacement cost” coverage.
This coverage allows reimbursement up to 20% above the value of your policy limit if your mobile home is completely destroyed.
Foremost is highly regarded for its customer satisfaction, with a J.D. Power rating of 868/1,000, the highest among the insurers reviewed.
However, Foremost does not provide instant quotes on its website; instead, you’ll receive an email quote within 24 hours after submitting your information.
Nevertheless, Foremost is one of the largest mobile insurance providers in the U.S., with over 38,000 agents representing the company.
Benefits & Drawbacks
⇅- Endorsed by AARP and grants member discounts
- Will insure individuals facing credit challenges
- Writes policies for older mobile homes
- Provides a variety of extra coverage, such as debris removal and food spoilage ✓
- No online application available
- Quote delivery may take up to 24 hours ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Despite not having the same level of brand awareness as some competitors with larger advertising budgets, American Family is one of the top eight home insurers in the U.S. by market share. They offer discounts that allow policyholders to save on their monthly premiums.
To qualify for discounts with American Family, you can:
- Combine your mobile home and auto insurance
- Install smart devices like Ring or Nest
- Live in a newer home purchased within the last three years
- Opt for the company’s autopay, full pay, and paperless billing options.
With American Family’s diminishing deductible coverage, your deductible starts decreasing immediately by $100 when you purchase your policy. So, if you have a $1,000 deductible, it becomes $900. Then, each year upon renewal, your deductible continues to decrease until it hits the policy’s maximum limit.
Benefits & Drawbacks
⇅- Many opportunities to qualify for discounts
- Mobile app available for tracking claim status
- Offers diverse additional coverage options ✓
- Some customers report slower claims processing ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅While the majority of mobile home insurance policies do not include coverage for floods, hurricanes, earthquakes, landslides, and mudslides, Assurant policyholders are insured against these disasters.
Assurant’s All Risk coverage provides protection against any sudden and accidental events resulting in direct loss or damage to your mobile home, with certain exclusions. Additionally, its dwelling and personal property replacement cost coverage ensures the replacement of your home and possessions with new items of similar quality, with no depreciation deducted.
Assurant provides coverage for adjacent structures on your property, such as sheds, fences, or standalone garages. Moreover, it covers additional living expenses if your home is rendered uninhabitable by a covered loss.
Benefits & Drawbacks
⇅- Standard policy covers flood and earthquake events
- Replacement cost coverage for your home and belongings is included ✓
- Quotes must be obtained by calling the toll-free number during operating hours
- The company does not offer a mobile app for policy management ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅In Georgia, Farmers offers customizable mobile home insurance policies, allowing you to adjust coverage according to your needs. With agents located statewide, they can assist you in choosing the appropriate coverage, deductible, and endorsements.
With Farmers’ endorsements, you can make green-home improvements by upgrading appliances and systems to energy-efficient models after a claim. You also have the option to add replacement cost coverage for extra personal protection and identity theft coverage.
Policyholders with Farmers can benefit from discounts such as having a home security system, being a non-smoker, enrolling in paperless billing, maintaining a claims-free history, and bundling multiple policies with Farmers’ car or life insurance.
Benefits & Drawbacks
⇅- Claim forgiveness guarantees no rate hikes after five years without filing a claim
- Includes coverage for replacing lost or stolen personal items, even while away from home ✓
- You must reach out to an agent for a quote
- Had the lowest J.D. Power score among the insurers we reviewed ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Since its establishment in 1949, American Modern has positioned itself as one of the early leaders in mobile home insurance.
They specialize in providing coverage for vacant or seasonal mobile homes, a feature not found among other insurance companies we examined.
American Modern doesn’t offer replacement cost for total loss but settles at the stated value of your home listed on the policy without any depreciation deduction. In case of a partial loss, they pay the actual cash value, but you have the option to upgrade to a replacement cost valuation.
Benefits & Drawbacks
⇅- Provides a strong mobile app for efficient claim reporting
- Boasts extensive experience and knowledge in the mobile home market ✓
- Quotes must be obtained through an agent; online quoting not available
- Doesn't include certain discounts that are offered by other insurers ✘
Do You Need Mobile Home Insurance In Delaware?
We advise getting mobile home insurance in Delaware. If you’re financing your mobile home with a mortgage, your lender will likely insist on it.
Furthermore, all homes in Delaware are exposed to severe weather risks, including thunderstorms, hail storms, tornadoes, and hurricanes from Florida or the Atlantic Ocean.
Lastly, it’s a good idea to check with your mobile home park or community to confirm if insurance is required for residents.
What Does Mobile Home Insurance Cover?
The coverage provided by a standard mobile home insurance policy generally includes the following aspects:
Dwelling Coverage
This policy provides coverage for repairing or replacing the structure of your mobile home in case of damage from events listed in your policy, up to a limit you select. You’ll also need to choose a deductible, which is the amount you pay out of pocket before the insurer contributes to a claim.
Typically 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 coverage pays for the repair of a shed, fence, or other structure not attached to your mobile home if it’s damaged by a covered event.
Personal Property Coverage
It also covers the replacement or repair of electronics, furniture, and other belongings if they’re damaged or stolen.
Liability Insurance
Additionally, it pays for injuries to visitors who sue you or if you accidentally cause property damage or injuries to others, often including legal expenses.
What does mobile home insurance in Delaware not cover?
Insurance policies have their limitations. Mobile home insurance in Delaware typically excludes certain types of damage.
Flooding
For instance, flood damage isn’t covered, so if you live in an area prone to floods, it’s advisable to obtain separate flood insurance.
Earthquakes
Although earthquakes are rare in Delaware, mobile home insurance won’t cover you for earth movement.
Wear and tear
Additionally, insurance won’t reimburse for normal wear and tear.
Insect or animal infestation
Insurance companies typically do not cover the cost of pest prevention as it is considered part of routine upkeep that homeowners are expected to handle.
Damage associated with the use of your mobile home for business purposes
If you conduct business from your mobile home, you may need a commercial policy.
Average Cost Of Home Insurance In Delaware
Despite no insurers providing prices on their websites, we estimate that the monthly expense of mobile home insurance in Delaware generally falls between $40 and $125.
This range is influenced by factors like coverage limits, deductible, chosen options, and other factors described below.
Several factors influence the cost of your mobile home insurance policy in Delaware, including:
- Where you live (zip code)
- The age of your home
- The cost to replace your home
- The limits and coverage you select
- Your deductible
- Your claims history
Each of the insurers we’ve examined offers different types of discounts to mobile home insurance policyholders, such as the option to bundle your coverage with auto insurance.
Largest mobile home insurance companies in Delaware
Largest mobile home insurance providers in Delaware.
| Provider | Market share |
| State Farm | 8.78% |
| Progressive | 6.48% |
| Allstate | 3.01% |
How To Buy Mobile Home Insurance Online In Delaware
Following these steps makes buying mobile home insurance online a breeze, saving you time and effort.
- Determine the amount of protection necessary by totaling the value of your mobile home’s contents and the dwelling. This will allow you to establish the property damage limits needed for replacing your home and valuables.
- Obtain an online quote. The majority of companies that sell mobile home insurance in Delaware allow you to get a quote online. Some websites also provide coverage and cost comparisons, making it easier to shop for coverage online.
- Submit the application. After deciding on the coverage amount that fits your budget, you’ll need to complete an application for coverage. Many insurers provide online application options on their websites, but some may require you to meet with an agent to complete the application.
Unique Considerations For Mobile Home Insurance In Delaware
Much like Florida, its southern neighbor, Delaware faces a wide range of severe weather, including:
- Wildfires
- Damaging winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical storms
- Hail
- Flood damage
Consequently, we recommend that every mobile home owner in Delaware ensures they have enough coverage.
How To Find Cheap Mobile Home Insurance In Delaware
To find inexpensive mobile home insurance in Delaware, gather quotes from at least three home insurance companies. Prices can vary for basic coverage and options, so make sure to ask about discounts.
Don’t choose solely based on price; ensure you have the right coverage limits and compare quotes carefully.
Our Methodology
We formulated our "Best For" list and overall rating by analyzing each insurer's standard and optional coverage offerings, online reputation, financial stability, and customer satisfaction ratings. Pricing details were not obtainable online for any of the insurers we scrutinized.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Is mobile home insurance more expensive in Delaware?
In general, mobile home insurance in Delaware is priced similarly to neighboring states in the Southeast, except for Florida, where many insurers do not offer coverage for mobile homes.
Do you need mobile home insurance in Delaware?
Your mortgage company may require insurance on your mobile home, although it’s not mandated by state law in Delaware. Nevertheless, we highly recommend having mobile home insurance, whether or not you have a mortgage.
How are mobile home insurance rates determined?
Several factors impact mobile home insurance rates, including your location, coverage limits, deductible, and potential discounts.
Related Resources
How Much is Homeowners Insurance on a $350,000 House? HO4 policy HO3 VS HO8 Home Insurance
Mobile Home Insurance In Your Area
Best Mobile Home Insurance In Florida Best Mobile Home Insurance In Georgia Best Mobile Home Insurance In South Carolina
