Best Mobile Home Insurance In Indiana For 2024

Foremost stands out for its exceptional mobile home insurance coverage tailored specifically for residents of Indiana.

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Updated: 05 May 2024
Written by Bob Phillips
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Mobile homes, also known as “manufactured homes,” present unique challenges when it comes to finding adequate insurance coverage for both the home itself and its contents.

If you’re in search of the most suitable mobile home insurance policy for your family, there are various factors to consider, including coverage features and affordability.

To assist you in finding the optimal coverage at a reasonable price point, we’ve highlighted top-rated insurance companies. Among these, Foremost has been selected as the “Best Overall” for mobile home insurance, ensuring protection for your home and belongings.

Best Mobile Home Insurance In Indiana, 2024

Each of the companies we've assessed has been included on our list because they provide distinct advantages and policy features that could suit your individual needs. The ideal policy for you might differ from that of a friend living in a mobile home nearby.

Below are the companies we've shortlisted along with a brief overview of some key criteria:

foremosticon-logo
Best Overall - Foremost
allstateicon-logo
Best for Retirees - Allstate
americanfamilyicon-logo
Best for Discounts - American Family Insurance
americanmodernicon-logo
Best for Specialized Coverage - American Modern
Best Mobile Home Insurance, Indiana, 2024

Compare The Best Mobile Home Insurance In Indiana

Now, let's take a closer look at our category winners side-by-side:

Overall Rating Best For A.M. Best Rating Bundle Discount J.D. Power Rating /1000 Get A Quote
Foremost
4.9

Overall

A

No

868

Instant Quote
Progressive
4.9

Runner-Up

A+

Yes

859

Instant Quote
American Family
4.8

Discounts

A

No

855

Instant Quote
Farmers
4.5

Endorsements

A-

Yes

792

Instant Quote
American Modern
4.5

Specialized Coverage

A+

No

Not Rated

Instant Quote
Allstate
4.8

Retirees

A+

Yes

854

Instant Quote
Assurant
4.5

Most Comprehensive Coverage

A

No

Not Rated

Instant Quote
Scroll to see comparisons

Our Methodology

In determining our "Best For" list and overall rating, we evaluated each insurer's standard coverages, optional coverages, online reviews, financial strength, and customer satisfaction ratings. Unfortunately, pricing information was not available online for any of the insurers we reviewed. These metrics reflect the thoroughness and expertise behind our evaluations, ensuring that our recommendations are based on comprehensive research and analysis.

Here are some key statistics from our research process:

59+

Quotes Analyzed:

30+

Research Hours

29

Brands Reviewed

15+

Years Of Experience

Best Mobile Home Insurance Companies In Indiana


Best Overall

Overall Rating
4.9

Key Statistics

10/10 Customer Reviews
8/10 Claims/Payouts
10/10 Coverage Level
8/10 Affordability

Why We Like Them

Foremost, a subsidiary of Farmers, provides standard and optional coverage features similar to other mobile home insurers, but its standout feature is its “extended replacement cost” coverage.

With Foremost, the value of replacement cost coverage is noteworthy: in the event of total destruction of your mobile home, you could receive reimbursement up to 20% above the value of your policy limit.

One of Foremost’s strengths lies in customer satisfaction. It boasts a J.D. Power customer satisfaction rating of 868 out of 1,000, ranking highest among all the insurers we reviewed.

However, it’s important to note that Foremost doesn’t offer instant quotes on its website. Instead, you’ll receive an email quote within 24 hours after submitting your information on a quote form.

Despite this, Foremost stands out as one of the largest mobile insurance providers in the U.S., with over 38,000 agents representing the company.

Benefits & Drawbacks

Benefits
  • 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
Drawbacks
  • No online application is available
  • Takes up to 24 hours to receive a quote

Runner-Up for Best Overall

Overall Rating
4.9

Key Statistics

8/10 Customer Reviews
10/10 Claims/Payouts
8/10 Coverage Level
8/10 Affordability

Why We Like Them

Progressive stands out for several reasons: they offer discounts for new homeowners, boast high ratings for financial strength and customer satisfaction, and provide a user-friendly digital platform. Their website is easy to navigate, and you can get an instant quote. Additionally, they have a mobile app for convenience.

A unique feature among the mobile home insurers we’ve reviewed is Progressive’s “single deductible” benefit. When you bundle your mobile home and auto insurance with Progressive, any claims you file for either policy apply to both, eliminating the need for separate deductibles. For instance, if both your mobile home’s roof and your car are damaged in a hailstorm, with a $500 deductible for each policy, you’ll only pay one deductible for both repairs.

Moreover, Progressive offers a bundle discount when you combine your mobile home and auto insurance policies.

Another notable option with Progressive is the “trip collision” endorsement, which covers your dwelling and personal property while in transit from one location to another

Benefits & Drawbacks

Benefits
  • Has replacement cost coverage available
  • Mobile app available
  • Discounts geared toward new homeowners
Drawbacks
  • Consumer ratings less favorable than many mobile home insurers
  • Some policies are underwritten by third-party companies

Best For Specialized Coverage

Overall Rating
4.6

Key Statistics

8/10 Customer Reviews
10/10 Claims/Payouts
8/10 Coverage Level
8/10 Affordability

Why We Like Them

American Modern was established in 1949 and prides itself on being one of the pioneering companies specializing in mobile home insurance.

Setting itself apart in specialized coverage, American Modern extends its services to owners of vacant or seasonal mobile homes, a feature not commonly found among other mobile home insurance providers we’ve reviewed.

Unlike some competitors, American Modern does not offer replacement cost coverage for total losses. Instead, it settles at the stated value of your home listed on your policy, with no depreciation deduction. In the case of partial losses, it pays the actual cash value, although you have the option to upgrade to replacement cost valuation.

Benefits & Drawbacks

Benefits
  • Has a solid mobile app on which you can report claims
  • Understands the mobile home market from decades of experience
Drawbacks
  • No online quotes; must get from an agent
  • Doesn’t offer some discounts that other insurers do

Best For Endorsements

Overall Rating
4.5

Key Statistics

4.7/10 Customer Reviews
8/10 Claims/Payouts
10/10 Coverage Level
7/10 Affordability

Why We Like Them

Farmers offers customizable mobile home insurance policies in Indiana, tailored to individual needs. With agents located throughout the state, Farmers assists in selecting the right coverage, deductible, and endorsements for policyholders.

Endorsements available through Farmers include options for green-home improvements, upgrading appliances to energy-efficient models post-claim, and additional protections such as replacement cost coverage and identity theft coverage.

Farmers extends various discounts to policyholders, including incentives for having a home security system, being a non-smoker, opting for paperless billing, maintaining a claims-free history, and bundling multiple policies with Farmers’ car or life insurance.

Benefits & Drawbacks

Benefits
  • 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
Drawbacks
  • You can only get a quote from an agent
  • Lowest J.D. Power score of insurers we reviewed

Best For Most Comprehensive Coverage

Overall Rating
4.5

Key Statistics

7/10 Customer Reviews
8/10 Claims/Payouts
10/10 Coverage Level
8/10 Affordability

Why We Like Them

While many mobile home insurance policies typically exclude coverage for floods, hurricanes, earthquakes, landslides, and mudslides, Assurant stands out by offering protection against these events.

Assurant’s All Risk coverage safeguards policyholders against any sudden and accidental events resulting in direct loss or damage to their mobile homes, with only a few specified exclusions.

Furthermore, Assurant provides dwelling and personal property replacement cost coverage, ensuring that damaged homes and possessions are replaced with new items of similar quality without any depreciation deduction.

Assurant extends coverage to adjacent structures on the policyholder’s property, such as sheds, fences, or standalone garages. Moreover, it covers additional living expenses if the insured home becomes uninhabitable due to a covered loss.

Benefits & Drawbacks

Benefits
  • Replacement cost for your home and property is standard
  • Covers flood and earthquakes with standard coverage
Drawbacks
  • No online quotes, must call toll-free number 7 am to 7 pm
  • No mobile app

Best For Discounts

Overall Rating
4.8

Key Statistics

8/10 Customer Reviews
8/10 Claims/Payouts
10/10 Coverage Level
7/10 Affordability

Why We Like Them

While not as widely recognized as some of its competitors with larger advertising budgets, American Family ranks among the top eight home insurers in the U.S. based on market share. This insurer provides various discounts, offering several ways to lower your monthly premium.

You may qualify for discounts with American Family if you:

  • Bundle your mobile home and auto insurance
  • Install smart devices like Ring or Nest in your home
  • Reside in a newer home purchased within the last three years
  • Utilize the company’s autopay, full pay, and paperless billing options

Additionally, American Family offers diminishing deductible coverage, which starts by reducing your deductible by $100 on the first day of your policy. For instance, a $1,000 deductible becomes $900 on the day you purchase your policy. Then, each year upon policy renewal, your deductible will continue to decrease up to your policy’s maximum limit.

Benefits & Drawbacks

Benefits
  • 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
Drawbacks
  • Reports of slow claims processing

Best For Retirees

Overall Rating
4.8

Key Statistics

8/10 Customer Reviews
8/10 Claims/Payouts
10/10 Coverage Level
9/10 Affordability

Why We Like Them

Allstate provides extensive coverage options for all policyholders, but it offers a special discount to retirees aged 55 and older, as well as original titleholders of mobile or manufactured homes, making policies more budget-friendly. Additionally, Allstate provides a bundle discount, a common offering among most insurers.

One distinctive feature of Allstate’s mobile home insurance, not commonly found among other insurers we’ve reviewed, is its “mine subsidence” coverage. This protects against damage to your mobile home caused by land movement triggered by a man-made mine. Allstate also offers property protection for satellite dish antennas.

Allstate’s standard mobile home coverage is on par with its competitors, providing benefits such as actual cash or replacement cost coverage for your mobile home structure and personal property, liability protection, and guest medical protection. Optional coverages include protection against water backup, reimbursement for green improvements post-loss, and electronic data recovery.

Benefits & Drawbacks

Benefits
  • Good optional coverage choices
  • Mobile app available
  • Discounts for retirees and original title holders
Drawbacks
  • No immediate online quotes
  • Customer experiences vary depending on your local agent

How To Find The Best Mobile Home Insurance Company For You

To find the best mobile home insurance and the most suitable company for your needs, follow these steps:

  1. Select at least three companies from our reviewed list and obtain quotes from each. Comparing multiple quotes will enhance your understanding of mobile home insurance and ensure that you’re not paying more than necessary for coverage.
  2. Determine which perils you want to be covered. While fire protection is typically included in mobile home policies, consider factors such as proximity to water or mountains, which may necessitate separate flood insurance depending on the insurer’s offerings.
  3. Take inventory of any valuable or unique items you own. Assessing the total value of these items and your other possessions will help you determine the appropriate policy limits, preventing you from over-insuring and overspending.
  4. Consider any upgrades, renovations, or significant work that could impact the value of your mobile home when obtaining quotes.
  5. Before or after obtaining quotes, document your valuables, appliances, and other items by taking photographs and recording serial numbers. Store this information in a secure, fireproof container or at an alternate location. This documentation will be invaluable in the event of a claim.
 

Average Cost Of Home Insurance In Indiana

While insurers typically don’t provide pricing on their websites, we estimate that the cost of mobile home insurance in Indiana ranges from $40 to $125 per month. This cost can vary depending on factors like coverage limits, deductible, selected options, and other considerations detailed below.

Several factors influence the cost of your mobile home insurance policy in Indiana, including:

  • Location (zip code)
  • Age of your home
  • Replacement cost of your home
  • Coverage limits and types chosen
  • Deductible amount
  • Claims history

All the insurers we’ve reviewed offer various discounts to mobile home insurance policyholders. These discounts may include bundling your coverage with auto insurance or other incentives.

How To Buy Mobile Home Insurance Online In Indiana

To simplify and expedite the process of purchasing a mobile home insurance policy online, follow these steps:

Assess your coverage needs

Determine the level of protection required. Calculate the total value of your mobile home and its contents to establish property damage limits necessary for replacing your home and valuables.

1

Obtain an online quote

Most insurers offering mobile home insurance in Indiana allow you to obtain an online quote. Additionally, there are websites that facilitate coverage and cost comparisons, further streamlining the online shopping experience.

2

Complete the application

Once you’ve determined the appropriate coverage level at an affordable price, proceed to complete the application for coverage. Many insurance company websites offer online application submission. However, some may require you to meet with an agent to finalize the application process.

3

What Does Mobile Home Insurance Cover?

A standard mobile home policy typically includes the following types of coverage:

Other Structures Coverage

This coverage pays for the repair of structures like sheds, fences, or other detached structures on your property that are damaged by events covered by your policy.

Dwelling Coverage

This coverage reimburses the cost of repairing or replacing the structure of your mobile home if it sustains damage from events outlined in your policy. You select a coverage limit and deductible, which is the amount you’re responsible for paying before the insurer covers any approved claim.

Covered events often include fire, lightning, explosions, vandalism, falling objects, wind and hail, weight of ice and snow, damage from wild or stray animals, and burst pipes.

Liability Insurance

Liability insurance provides coverage if a visitor is injured and sues you, or if you accidentally cause property damage or injuries to others. It often includes coverage for related legal expenses.

Personal Property Coverage

Personal property coverage reimburses the cost of repairing or replacing electronics, furniture, and other belongings if they’re damaged or stolen.

What Does Mobile Home Insurance In Indiana Not Cover?

Every insurance policy comes with coverage exclusions. Mobile home insurance in Indiana typically does not cover damage caused by:

Wear And Tear

Insurance policies typically cover sudden and accidental damage, but they do not cover normal wear and tear that occurs as items age.

Earthquakes

Although Indiana is not prone to earthquakes, mobile home insurance in the state generally excludes coverage for “earth movement.”

Damage Associated With The Use Of Your Mobile Home For Business Purposes

If you operate a business out of your mobile home, you may need a commercial insurance policy to ensure adequate coverage.

Flooding

If your insurer doesn’t cover flood damage and you live in a high-risk area, it’s advisable to purchase separate flood insurance.

Insect Or Animal Infestation

Insurers consider pest prevention to be part of routine maintenance, which is typically not covered by insurance.

Unique Considerations For Mobile Home Insurance In Indiana

Indiana is prone to various types of severe weather, including:

  • Wildfires
  • Damaging winds
  • Lightning
  • Tornadoes
  • Hurricanes
  • Tropical storms
  • Hail
  • Flood damage

Due to these weather risks, we strongly advise every mobile home owner in Indiana to ensure they have sufficient coverage.

Do You Need Mobile Home Insurance In Indiana?

We highly recommend getting mobile home insurance if you reside in The Peach State.

Firstly, if you’re financing your mobile home with a mortgage, your lender will likely mandate it.

Secondly, in Indiana, all homes—whether mortgaged or not—are susceptible to various unpredictable perils, including severe thunderstorms with damaging winds, hailstorms, tornadoes, tropical storms, and hurricanes originating from Florida or the Atlantic Ocean.

Lastly, it’s advisable to check with your mobile home park or community to ascertain if mobile home insurance is mandatory for residents.

FAQs

Is the cost of mobile home insurance higher in Indiana?

Typically, mobile home insurance in Indiana is comparably priced to that in its neighboring Southeastern states. However, in Florida, insurance options for mobile homes may be limited, as some insurers do not offer coverage for mobile homes in that state.

Is mobile home insurance necessary in Indiana?

While no state law mandates insurance for mobile homes, your mortgage provider may require it. However, regardless of mortgage requirements, we highly recommend obtaining mobile home insurance for your protection.

What factors influence mobile home insurance rates?

Multiple elements influence the rates for mobile home insurance, such as your location, coverage limits, deductible, and eligibility for any discounts.

Sources

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