Best Mobile Home Insurance In Massachusetts 2024

Foremost is widely recognized for its exceptional mobile home insurance coverage in Massachusetts.

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Written by Bob Phillips
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Mobile homes, also known as manufactured homes, have unique vulnerabilities to windstorms, hail, and water damage, which can impact insurance eligibility in Massachusetts.

To secure the best mobile home insurance policy, it’s essential to consider factors such as coverage features and cost. We’ve identified the 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 Massachusetts 2024

Each company on our list has been chosen because they offer unique benefits and policy features that could be right for you. What works for you may not be the same as what works for someone else living in a nearby mobile home.

Below, you'll find the selected 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
Mobile Home Insurance, Massachusetts, 2024

Compare The Best Mobile Home Insurance In Massachusetts

After presenting our category winners briefly, here's a side-by-side comparison to give you a clearer understanding:

Overall Rating Best For A.M. Best Rating Bundle Discount J.D. Power Cust. Satisf. Rating Get A Quote
Assurant
4.8

Most Comprehensive Coverage

A

No

Not Rated

Instant Quote
Farmers
4.7

Endorsements

A-

Yes

792

Instant Quote
American Family
4.9

Discounts

A

No

855

Instant Quote
Foremost
4.9

Overall

A

No

868

Instant Quote
American Modern
4.7

Specialized Coverage

A+

No

Not Rated

Instant Quote
Allstate
4.9

Retirees

A+

Yes

854

Instant Quote
Progressive
4.9

Runner-Up

A+

Yes

859

Instant Quote
Scroll to see comparisons

Best Mobile home insurance companies In Massachusetts


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

Many mobile home insurance policies do not include coverage for floods, hurricanes, earthquakes, landslides, and mudslides, but Assurant provides insurance against these hazards.

Assurant’s All Risk coverage provides protection against sudden and accidental events causing direct loss or damage to your mobile home, with some exclusions. Additionally, its dwelling and personal property replacement cost coverage ensures replacement with new items of similar quality, without depreciation deductions.

Assurant includes coverage for adjacent structures on your property, such as sheds, fences, or standalone garages. Additionally, it provides compensation for additional living expenses if your home is too damaged to be lived in because of a covered loss.

Benefits & Drawbacks

Benefits
  • Provides standard coverage for flood and earthquake events
  • Includes replacement cost coverage for home and property
Drawbacks
  • Quotes must be obtained by calling the toll-free number during specified hours; online quotes are not available
  • The company does not offer a mobile app for policy management

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 offers broad coverage for everyone, including discounts for retirees aged 55 and older and original titleholders of mobile or manufactured homes, making policies more affordable.

Allstate’s mobile home insurance is unique among the insurers we’ve reviewed because it offers “mine subsidence” coverage, protecting against damage from land movement caused by man-made mines. It also provides property protection for satellite dish antennas.

Allstate’s standard mobile home insurance is in line with competitors, offering benefits such as actual cash or replacement cost coverage for the mobile home structure and personal property, liability protection, and guest medical coverage. Optional add-ons include water backup protection, reimbursement for environmentally friendly improvements after a loss, and electronic data recovery.

Benefits & Drawbacks

Benefits
  • Discounts tailored for retirees and original title holders
  • Mobile app available for user convenience
  • Offers a range of beneficial optional coverage choices
Drawbacks
  • Customer experiences may vary based on your local agent
  • Instant online quotes are not provided

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

In Massachusetts, Farmers provides customizable mobile home insurance policies tailored to your needs. Their agents across the state can assist you in selecting 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 enhanced personal protection and identity theft coverage.

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

Benefits & Drawbacks

Benefits
  • After five consecutive claim-free years, claim forgiveness prevents rate increases
  • Includes coverage for replacing lost or stolen personal items, even when you're away from home
Drawbacks
  • Obtaining a quote requires contacting an agent
  • Ranked lowest in J.D. Power scores among the insurers we reviewed

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

Despite not being as widely advertised as some competitors, American Family is one of the top eight home insurers in the U.S. They provide discounts, allowing policyholders to save on their monthly premiums.

If you’re insured with American Family, you could be eligible for discounts by:

  • Bundling your mobile home and auto insurance
  • Installing smart devices such as Ring or Nest in your home
  • Living in a newer home you purchased within the last three years
  • Using the company’s autopay, full pay, and paperless billing services.

American Family provides diminishing deductible coverage, where your deductible decreases by $100 as soon as you buy your policy. For example, if your deductible is $1,000, it starts at $900. Then, upon renewal each year, your deductible decreases until it hits the maximum limit set by your policy.

Benefits & Drawbacks

Benefits
  • Offers multiple pathways for discount eligibility
  • Includes a mobile app for claim status tracking
  • Provides diverse additional coverage choices
Drawbacks
  • Some customers report slower claims processing times

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

With this coverage, you can receive reimbursement up to 20% above the value of your policy limit if your mobile home is completely destroyed.

Foremost is renowned for its high 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.

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

Benefits & Drawbacks

Benefits
  • Backed by AARP and provides member discounts
  • Accepts applicants with credit challenges
  • Focuses on policies for older mobile homes
  • Offers comprehensive additional coverage, such as debris removal and food spoilage
Drawbacks
  • No online application process is provided
  • Quote processing time can take up to 24 hours

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

Founded in 1949, American Modern claims to be one of the earliest companies to specialize in mobile home insurance.

They excel in providing coverage for vacant or seasonal mobile homes, a feature not provided by other insurance companies we reviewed.

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 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

Benefits
  • Provides a dependable mobile app for convenient claims reporting
  • Possesses extensive experience and understanding of the mobile home market
Drawbacks
  • Quotes can only be obtained from agents; online quoting is not available
  • Does not include all discounts offered by some other insurers

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 attractive for 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 standout 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 example, 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
  • Replacement cost coverage available
  • Discounts are tailored for new homeowners
  • Mobile app for convenient access
Drawbacks
  • Consumer ratings are less favorable compared to many other mobile home insurers
  • Certain policies are underwritten by third-party companies

Do You Need Mobile Home Insurance In Massachusetts?

We strongly recommend having mobile home insurance in Massachusetts. If you’re obtaining a mortgage for your mobile home, your lender will likely require it.

Don’t forget to check with your mobile home park or community about insurance requirements for residents.

What Does Mobile Home Insurance Cover?

A standard mobile home insurance policy typically consists of several types of protection for your home and personal property:

Dwelling Coverage

This coverage is designed to pay for the repair or replacement of your mobile home’s structure in the event of damage from covered events, up to a limit you choose. You’ll also choose a deductible, which is the amount you’ll pay before the insurer contributes to an approved 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

This coverage pays for the repair of a shed, fence, or other detached structure 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 if a visitor is hurt and sues you or if you accidentally cause property damage or injuries to others, often including legal expenses.

What Does Mobile Home Insurance In Massachusetts Not Cover?

Every insurance policy has its limitations. In Massachusetts, mobile home insurance usually doesn’t cover damage caused by certain events.

Flooding

For instance, flood damage isn’t usually covered, so if you live in a flood-prone area, it’s wise to purchase separate flood insurance.

Earthquakes

Although earthquakes are rare in Massachusetts, mobile home insurance won’t protect you against earth movement.

Wear and tear

Additionally, insurance doesn’t cover normal wear and tear.

Insect or animal infestation

Insurance policies usually exclude coverage for pest prevention, as it’s considered part of the homeowner’s routine maintenance tasks.

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 Home Insurance In Massachusetts

Despite the absence of prices on insurer websites, we estimate that mobile home insurance in Massachusetts typically ranges from $40 to $125 per month.

This cost varies depending on factors like coverage limits, deductible, selected options, and other elements outlined below.

Several factors influence the cost of your mobile home insurance policy in Massachusetts, 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

Every insurer we’ve looked into offers various discounts for mobile home insurance policyholders, including the chance to bundle your coverage with auto insurance.

Largest Mobile Home Insurance Companies In Massachusetts

Provider Market share
Liberty Mutual 9%
Allstate 6%
Travelers 4.4%

How To Buy Mobile Home Insurance Online In Massachusetts

By following these steps, you can quickly and easily purchase mobile home insurance online.

  • Assess the level of protection needed by totaling the value of your mobile home’s contents and the dwelling. This will allow you to calculate the property damage limits necessary for replacing your home and valuables.
  • Request an online quote. Many insurers offering mobile home insurance in Massachusetts allow you to get a quote online. Additionally, there are websites that offer coverage and cost comparisons, making online shopping for coverage even simpler.
  • Submit your application. After deciding on the coverage amount that fits your budget, complete an application for coverage. While many insurers provide online application options, some may require you to meet with an agent to finalize the application.

Unique Considerations For Mobile Home Insurance In Massachusetts

Like Florida, Massachusetts is susceptible to numerous types of severe weather, such as:

Therefore, we recommend that every mobile home owner in Massachusetts has proper coverage.

How To Find Cheap Mobile Home Insurance In Massachusetts

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

Remember not to base your decision solely on price; ensure you have the correct coverage limits and compare quotes accurately.

Our Methodology

We compiled our "Best For" list and overall rating by evaluating each insurer's standard and optional coverage options, online feedback, financial health, and customer satisfaction levels. Pricing details were not available online for any of the insurers we examined.

153

Quotes Analyzed

15+

Years Of Industry Experience

31

Brands Reviewed

23+

Research Hours

FAQs

Is mobile home insurance more expensive in Massachusetts?

Mobile home insurance in Massachusetts is generally priced comparably to its 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 Massachusetts?

While state law doesn’t require insurance for mobile homes in Massachusetts, your mortgage company may require it. However, we strongly recommend having mobile home insurance, whether or not you have a mortgage.

How are mobile home insurance rates determined?

Factors such as your location, coverage limits, deductible, and discounts influence mobile home insurance rates.

Sources

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