Best Mobile Home Insurance In Kansas 2024

When it comes to mobile home insurance in Kansas, Foremost leads the pack with its competitive rates and comprehensive policy coverage.

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Written by Bob Phillips
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Mobile homes, also known as manufactured homes, face unique challenges when it comes to insurance coverage due to their exposure to windstorms, hail, and water damage in Kansas.

To find the best mobile home insurance policy, it’s important to consider cover features and cost. We’ve identified top-rated companies to help you find the right coverage at the right price, with Foremost recognized as the “Best Overall” for mobile home insurance.

Best Mobile Home Insurance Companies In Kansas 2024

Every company we've reviewed has been selected because they offer unique benefits and policy features that might align well with your needs. The best policy for you may differ from what's best for someone else living in a nearby mobile home.

Below, you'll find the shortlisted companies and 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, Kansas, 2024

Compare The Best Mobile Home Insurance Companies in Kansas

Here's a side-by-side comparison of our category winners, giving you a clearer view after seeing them individually:

Overall Rating Best For A.M. Best Rating Bundle Discount J.D. Power Cust. Satisf. Rating Get A Quote
Progressive
4.9

Runner-Up

A+

Yes

859

Instant Quote
Foremost
4.9

Overall

A

No

868

Instant Quote
American Family
4.9

Discounts

A

No

855

Instant Quote
Allstate
4.9

Retirees

A+

Yes

854

Instant Quote
Assurant
4.8

Most Comprehensive Coverage

A

No

Not Rated

Instant Quote
American Modern
4.7

Specialized Coverage

A+

No

Not Rated

Instant Quote
Farmers
4.7

Endorsements

A-

Yes

792

Instant Quote
Scroll to see comparisons

Our Methodology

To compile our "Best For" list and overall rating, we assessed each insurer's standard and optional coverages, online reviews, financial stability, and customer satisfaction scores. However, pricing information was not accessible online for any of the insurers we reviewed.

125

Quotes Analyzed

15+

Years Of Industry Experience

34

Brands Reviewed

23+

Research Hours

Best Mobile Home Insurance Companies In Kansas


Best Overall

Overall Rating
4.9

Key Statistics

10/10 Customer satisfaction/reviews
8/10 Claims/payouts
10/10 Coverage Level
8/10 Affordability

Why We Like Them

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

This coverage provides reimbursement up to 20% above the value of your policy limit if your mobile home is completely destroyed.

Foremost is recognized for its excellent customer satisfaction, achieving a J.D. Power rating of 868/1,000, the highest among the insurers reviewed.

However, Foremost does not offer instant quotes on its website; instead, you’ll receive an email quote within 24 hours after submitting your information.

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

Benefits & Drawbacks

Benefits
  • AARP-endorsed with member discounts available
  • Accepts applicants with credit difficulties
  • Specializes in policies for older mobile homes
  • Offers comprehensive additional coverage, including debris removal and food spoilage
Drawbacks
  • No online application process offered
  • Quote turnaround time is up to 24 hours

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

While Allstate provides comprehensive coverage for everyone, it offers a special discount to retirees 55+ and original titleholders of their mobile or manufactured homes, which can make a policy more affordable. Allstate also offers a bundle discount, which most insurers offer.

Also unique to Allstate mobile home insurance among insurers we reviewed is its “mine subsidence” coverage, which covers damage to your mobile home caused by a movement of land triggered by a man-made mine. It also offers property protection against damage to satellite dish antennas.

Allstate’s standard mobile home coverage is comparable to its competitors, offering benefits like 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 after a loss, and electronic data recovery.

Benefits & Drawbacks

Benefits
  • Retiree and original title holder discounts offered
  • Mobile app available for user convenience
  • Offers a wide selection of beneficial optional coverage options
Drawbacks
  • Customer satisfaction levels may vary based on your local agent
  • Online quotes are not available immediately

Best Overall Runner-Up

Overall Rating
4.9

Key Statistics

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

Why We Like Them

Progressive is appealing because of its discounts for new homeowners, high financial strength and customer satisfaction ratings, and its easy-to-use website with instant quotes and a mobile app.

A notable feature is Progressive’s “single deductible” benefit, where bundling your mobile home and auto insurance means any claim applies to both policies with only one deductible.

For instance, if a hailstorm damages your mobile home’s roof and your car, you’ll only pay one deductible for both repairs.

Bundling also earns you a discount, and they offer an endorsement for “trip collision” coverage during relocation.

Benefits & Drawbacks

Benefits
  • Offers replacement cost coverage options
  • Provides discounts designed for new homeowners
  • Includes a mobile app for customer use
Drawbacks
  • Consumer ratings are less satisfactory than those of many other mobile home insurers
  • Certain policies are underwritten by third-party companies

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

Mobile home insurance usually doesn’t cover floods, hurricanes, earthquakes, landslides, and mudslides, but Assurant offers protection for these events to its policyholders.

Assurant’s All Risk coverage defends against sudden and accidental events causing direct loss or damage to your mobile home, except for a few exclusions. Additionally, its dwelling and personal property replacement cost coverage guarantees replacement with new items of similar quality, without depreciation deductions.

Assurant offers coverage for adjacent structures on your property, like sheds, fences, or standalone garages. Additionally, it reimburses additional living expenses if your home is too damaged to live in because of a covered loss.

Benefits & Drawbacks

Benefits
  • Flood and earthquake coverage are part of the standard policy
  • Replacement cost coverage for home and property is automatically included
Drawbacks
  • Online quotes are not available; customers need to call the toll-free number during specified hours
  • There is no mobile app for managing policies

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’ mobile home insurance policies in Kansas are customizable to suit your specific needs. Their agents across the state can help you select the right coverage, deductible, and endorsements.

Farmers’ endorsements offer green-home improvements, allowing you to upgrade appliances and systems to energy-efficient models after filing a claim. You can also choose replacement cost coverage for additional personal protection and identity theft coverage.

Farmers offers discounts to policyholders who have a home security system, do not smoke, choose paperless billing, maintain a claims-free history, and bundle multiple policies with Farmers’ car or life insurance.

Benefits & Drawbacks

Benefits
  • Enjoy rate consistency with claim forgiveness after five consecutive years without claims
  • Covers the replacement of lost or stolen personal property, even during your travels
Drawbacks
  • Quotes can only be obtained by contacting an agent
  • Earned the lowest J.D. Power score in our insurer review

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

Not quite as well known as some of its competitors with bigger advertising budgets, American Family is among the top eight home insurers in the U.S. by market share. With its discounts, this insurer offers you a variety of ways to save on your monthly premium.

You can qualify for discounts with American Family if you:

  • Bundle your mobile home and auto insurance
  • Equip your home with smart devices like Ring or Nest
  • Live in a newer home you bought in the last three years
  • Use the company’s autopay, full pay, and paperless billing features

American Family also offers diminishing deductible coverage. It credits your deductible on day one by $100 – a $1,000 deductible becomes a $900 deductible the day you buy your policy. Then, every year when you renew your policy, your deductible will be reduced up to your policy’s maximum limit.

Benefits & Drawbacks

Benefits
  • Offers multiple ways to earn discounts
  • Includes a mobile app for monitoring claim status
  • Provides a range of additional coverage choices
Drawbacks
  • Customers have noted occasional delays in claims processing

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, founded in 1949, claims to be one of the first companies to specialize in mobile home insurance.

Their focus is on providing coverage for vacant or seasonal mobile homes, distinguishing themselves from other insurers we surveyed.

However, they do not offer replacement cost for a total loss; instead, they settle at the stated value of your home listed on the policy, with no depreciation deduction. In the event of a partial loss, they pay the actual cash value, but you can choose to upgrade to a replacement cost valuation.

Benefits & Drawbacks

Benefits
  • Offers a dependable mobile app for streamlined claims reporting
  • Has decades of experience and expertise in the mobile home industry
Drawbacks
  • Quotes are only available through agents; no online quoting option
  • Does not provide all discounts that some other insurers offer

Do You Need Mobile Home Insurance In Kansas?

Mobile home insurance is a must-have in Kansas. If you’re financing your mobile home purchase, your lender will most likely require it.

Additionally, Kansas homes are prone to severe weather like thunderstorms, hail storms, tornadoes, and hurricanes. It’s also a good idea to check with your mobile home park or community about insurance requirements for residents.

What Does Mobile Home Insurance Cover?

The typical features of a mobile home insurance policy often consist of several coverage options:

Dwelling Coverage

If your mobile home’s structure is damaged by events covered in your policy, this coverage will pay for repair or replacement costs up to the limit you’ve chosen. You’ll also need to select a deductible, which is the amount you must pay before the insurer starts covering the claim.

Commonly 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

Pays to repair a shed, fence, or other structure not attached to your mobile home if it’s damaged by a covered event.

Personal Property Coverage

This coverage also pays for replacing or repairing electronics, furniture, and other belongings if they’re damaged or stolen.

Liability Insurance

Additionally, it covers you if a visitor is hurt and sues you or if you accidentally cause property damage or injuries to others, including related legal expenses.

What Does Mobile Home Insurance In Kansas Not Cover?

Every insurance policy has its exclusions. In Kansas, mobile home insurance usually doesn’t cover specific types of damage.

Flooding

For example, flood damage isn’t covered, so if you live in a flood-prone area, it’s recommended to invest in separate flood insurance.

Earthquakes

While earthquakes are uncommon in Kansas, mobile home insurance doesn’t include protection against earth movement.

Wear and tear

Additionally, insurance doesn’t pay for normal wear and tear.

Insect or animal infestation

Coverage for pest prevention is usually excluded from insurance policies, as homeowners are responsible for managing it as part of their regular maintenance duties.

Damage associated with the use of your mobile home for business purposes

If you operate a business from your mobile home, you may need a commercial policy.

Average Cost Of Mobile Home Insurance In Kansas

While no insurers we reviewed offer pricing on their websites, we estimate that mobile home insurance in Kansas typically costs between $40 and $125 per month.

This price range depends on factors such as coverage limits, deductible, selected options, and other factors detailed below.

Numerous factors impact the cost of your mobile home insurance policy in Kansas, 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

All the insurers we’ve looked into offer various discounts to mobile home insurance policyholders, including the ability to bundle your coverage with auto insurance.

Largest Mobile Home Insurance Companies In Kansas

Provider Market share
Allstate 5.7%
American Family 4.9%
Auto-Owners 3.3%

How To Buy Mobile Home Insurance Online In Kansas

You can easily and quickly purchase mobile home insurance online by following these steps.

  • Decide on the appropriate level of protection by totaling the value of your mobile home’s contents and the dwelling. This will help you figure out the property damage limits required to replace your home and valuables.
  • Get an online quote. Many insurers offering mobile home insurance in Kansas allow you to request a quote online. Additionally, there are websites that offer coverage and cost comparisons, making online shopping for coverage even more straightforward.
  • Finish the application. Once you’ve determined the coverage amount you need and can afford, complete an application for coverage. While many insurers offer online application options, some may require you to meet with an agent to finalize the application.

Unique Considerations For Mobile Home Insurance In Kansas

Similar to Florida, Kansas is at risk of experiencing a variety of severe weather conditions, such as:

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

Thus, we advise every mobile home owner in Kansas to ensure they have sufficient coverage.

How To Find Cheap Mobile Home Insurance In Kansas

Get quotes from at least three insurance companies to discover cheap mobile home insurance in Kansas. Rates for basic coverage and options can differ, so ask about discounts.

Avoid choosing based solely on price; make sure you have the correct coverage limits and compare quotes accurately.

FAQs

Is mobile home insurance more expensive in Kansas?

Mobile home insurance in Kansas tends to be priced similarly to its neighboring states in the Southeast, except for Florida, where many insurers do not provide coverage for mobile homes.

Do you need mobile home insurance in Kansas?

Insurance on your mobile home may be required by your mortgage company, although it’s not mandated by state law in Kansas. However, we strongly recommend having mobile home insurance, with or without a mortgage.

How are mobile home insurance rates determined?

Mobile home insurance rates depend on factors such as your location, coverage limits, deductible, and any discounts you may be eligible for.

Sources

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