Best Mobile Home Insurance In Kansas 2024

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.

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.

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.

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.

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.

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.

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.