Best Mobile Home Insurance In Massachusetts 2024

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.

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.

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.

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.

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.

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.

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.