Best Mobile Home Insurance Companies In Nevada 2024
Foremost excels in providing premier mobile home insurance services in Nevada.
We’ve saved shoppers an average of $450 per year on their home insurance.
Mobile homes, or manufactured homes, have specific vulnerabilities to windstorms, hail, and water damage, which can affect the availability of insurance coverage in Nevada.
When selecting the best mobile home insurance policy, it’s crucial to consider factors like coverage features and cost. To aid you in this process, we’ve highlighted top-rated companies, with Foremost chosen as the “Best Overall” for mobile home insurance.
Best Mobile Home Insurance Companies In Nevada 2024
Each company on our list has been carefully chosen because they offer specific advantages and policy features that could be beneficial for you. The policy that's right for you may not be the same as the one that suits someone else living in a mobile home nearby.
Here's a summary of the selected companies and key criteria.
Compare The Best Mobile Home Insurance Companies in Nevada
Now that you've seen our category winners at a glance, here's a side-by-side comparison to give you a clearer view:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Cust. Satisf. Rating | Get A Quote | |
|---|---|---|---|---|---|---|
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
Best Mobile home insurance companies In Nevada
Best Overall
Key Statistics
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.
Nevertheless, Foremost is one of the largest mobile insurance providers in the U.S., with over 38,000 agents representing the company.
Benefits & Drawbacks
⇅- AARP-endorsed and offers member discounts
- Will cover individuals with credit issues
- Focuses on policies for older mobile homes
- Extensive range of additional coverage options, such as debris removal and food spoilage ✓
- No online application process provided
- Quotes may take up to 24 hours to receive ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive stands out with its discounts for new homeowners, strong financial stability, and high customer satisfaction ratings.
Their website is easy to navigate, providing instant quotes, and they offer a mobile app.
A unique 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 to pay.
For example, if a hailstorm damages your mobile home’s roof and your car, you’ll only pay one deductible for repairs.
Bundling also earns you a discount, and they offer an endorsement for “trip collision” coverage during relocation.
Benefits & Drawbacks
⇅- Provides replacement cost coverage options
- Offers discounts aimed at new homeowners
- Features a mobile app for customer convenience ✓
- Consumer ratings are not as favorable as those of many other mobile home insurers
- Some policies may be underwritten by third-party companies ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Most mobile home insurance plans do not protect against floods, hurricanes, earthquakes, landslides, and mudslides, but Assurant policyholders have coverage for these events.
Assurant’s All Risk coverage shields against any sudden and accidental events that cause direct loss or damage to your mobile home, with a few specified exclusions. Moreover, its dwelling and personal property replacement cost coverage ensures replacement with new items of like kind and quality, without depreciation deductions.
Assurant insures adjacent structures on your property, like sheds, fences, or standalone garages. Furthermore, it pays for additional living expenses if your home is uninhabitable because of a covered loss.
Benefits & Drawbacks
⇅- Includes flood and earthquake protection with standard coverage
- Offers replacement cost coverage for your home and belongings as a standard feature ✓
- Quotes cannot be obtained online; you must call the toll-free number within specified hours
- The company does not provide a mobile app for policy management ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers’ mobile home insurance policies in Nevada are customizable based on your specific requirements. With agents located statewide, they can help you choose the right coverage, deductible, and endorsements.
Farmers’ endorsements include green-home improvements, which allow you to upgrade appliances and systems to energy-efficient models after filing a claim. Additionally, you can choose replacement cost coverage for additional personal protection and identity theft coverage.
Farmers offers discounts for policyholders who have a home security system, do not smoke, enroll in paperless billing, maintain a claims-free history, and bundle multiple policies with Farmers’ car or life insurance.
Benefits & Drawbacks
⇅- With claim forgiveness, your rates stay unchanged after five continuous years without claims
- Provides replacement coverage for lost or stolen personal belongings, even outside your primary residence ✓
- To receive a quote, you need to connect with an agent
- Ranked at the bottom in J.D. Power scores among the insurers we analyzed ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Established in 1949, American Modern asserts its position as one of the early players in mobile home insurance.
Their specialty lies in offering coverage for vacant or seasonal mobile homes, a feature not seen in other insurance companies we reviewed.
They do not offer replacement cost for a total loss but settle at the stated value of your home listed on the policy, without any depreciation deduction. For partial losses, they pay the actual cash value, but you have the option to upgrade to a replacement cost valuation.
Benefits & Drawbacks
⇅- Features a robust mobile app for easy claims reporting
- Possesses extensive experience and understanding of the mobile home market ✓
- Quotes can only be obtained from agents; online quoting not available
- Does not include all discounts offered by some other insurers ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate offers comprehensive insurance coverage for everyone, with special discounts for retirees aged 55 and older and original titleholders of mobile or manufactured homes, which can make policies more affordable.
Allstate’s mobile home insurance is distinct from others because it provides “mine subsidence” coverage, protecting against damage caused by land movement from man-made mines. It also offers property protection for satellite dish antennas.
Allstate’s typical mobile home coverage is comparable to its competitors, offering features such as actual cash or replacement cost coverage for the structure and personal belongings, liability protection, and guest medical coverage. Optional coverages include protection for water backup, reimbursement for green improvements after a loss, and electronic data recovery.
Benefits & Drawbacks
⇅- Discounts for retirees and original title holders are available
- Features a user-friendly mobile app
- Provides a comprehensive range of optional coverage choices ✓
- Customer experiences may vary depending on your local agent
- Online quotes are not provided instantly ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅While American Family may not have the same brand recognition as some competitors, it still holds a significant position as one of the top eight home insurers in the U.S. They offer various discounts to help policyholders save on their monthly premiums.
American Family provides discounts if you:
- Bundle your mobile home and auto insurance
- Install smart devices such as Ring or Nest in your home
- Reside in a newer home bought within the last three years
- Utilize the company’s autopay, full pay, and paperless billing options.
American Family provides diminishing deductible coverage, meaning your deductible decreases by $100 as soon as you buy your policy. If your deductible is $1,000, it will drop to $900 initially. Then, every year when you renew your policy, your deductible will decrease until it reaches the maximum limit set by your policy.
Benefits & Drawbacks
⇅- Numerous discount qualification pathways offered
- Mobile app provided to track claim status
- Variety of additional coverage options available ✓
- Slow claims processing reported by some customers ✘
Do You Need Mobile Home Insurance In Nevada?
We believe having mobile home insurance in Nevada is important.
If you’re getting a mortgage for your mobile home, your lender will likely mandate it. Plus, homes in Nevada are susceptible to severe weather such as thunderstorms, hail storms, tornadoes, and hurricanes. Make sure to check with your mobile home park or community to see if insurance is compulsory for residents.
What Does Mobile Home Insurance Cover?
A standard mobile home insurance policy usually offers a range of coverage to protect your home and belongings:
Dwelling Coverage
This part of your insurance policy will cover the cost of repairing or replacing your mobile home’s structure if it’s damaged by events covered in your policy, up to the limit you choose. Additionally, you’ll choose a deductible, which is the amount you’re responsible for paying before the insurer contributes to an approved claim.
Typical 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 repairing a shed, fence, or other structure not attached to your mobile home if it’s damaged by a covered event.
Liability Insurance
Additionally, it pays if a visitor is injured and sues you or if you accidentally cause property damage or injuries to others, often including legal expenses.
Personal Property Coverage
It also covers the replacement or repair of electronics, furniture, and other belongings if they’re damaged or stolen.
What Does Mobile Home Insurance In Nevada Not Cover?
Every insurance policy has its limitations. In Nevada, mobile home insurance typically 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 Nevada, mobile home insurance won’t protect you against earth movement.
Wear and tear
Insurance doesn’t cover normal wear and tear.
Insect or animal infestation
Insurance policies generally do not provide coverage for pest prevention, as it is considered a standard upkeep task that homeowners are expected to undertake.
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 Nevada
Despite insurers not providing prices on their websites, we project that mobile home insurance in Nevada usually falls between $40 and $125 per month.
This estimate is determined by factors such as coverage limits, deductible, selected options, and other factors outlined below.
Many factors contribute to the cost of your home insurance policy in Nevada, 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
Each of the insurance companies we’ve analyzed provides different discounts for mobile home insurance policyholders, including the option to bundle your coverage with auto insurance.
Largest Mobile Home Insurance Companies In Nevada
Largest mobile home insurance providers in Nevada.
| Provider | Market share |
| USAA | 10.1% |
| State Farm | 7.8% |
| American Family | 6.04% |
How To Buy Mobile Home Insurance Online In Nevada
These steps guide you through the process of buying mobile home insurance online, making it hassle-free and efficient.
- Figure out how much protection you need by adding together the value of your mobile home’s contents and the dwelling. This will give you an estimate of the property damage limits needed to replace your home and valuables.
- Request an online quote. Most companies that offer mobile home insurance in Nevada provide the option for you to get an online quote. Some websites also offer coverage and cost comparisons, making online shopping for insurance even more convenient.
- Fill out the application form. After determining the coverage amount within your budget, complete an application for coverage. While many insurers’ websites offer online application options, some may require you to meet with an agent to complete the application.
Unique Considerations For Mobile Home Insurance In Nevada
Similar to its neighbor to the south, Florida, Nevada is susceptible to all kinds of rough weather, including:
- Wildfires
- Damaging winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical storms
- Hail
- Flood damage
Therefore, it’s advisable for every mobile homeowner in Nevada to have adequate coverage.
How To Find Cheap Mobile Home Insurance In Nevada
When seeking cheap mobile home insurance in Nevada, request quotes from at least three insurance companies. Prices for basic coverage and options may vary, so inquire about discounts.
Ensure you’re not solely focused on price; verify you have the appropriate coverage limits and compare quotes accurately.
Our Methodology
Our "Best For" list and overall rating were determined by evaluating each insurer's standard and optional coverage options, online reputation, financial health, and customer satisfaction levels. Pricing details were not available online for any of the insurers we researched.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Is mobile home insurance more expensive in Nevada?
Generally, mobile home insurance in Nevada is no more expensive than it is in 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 Nevada?
Although state law in Nevada doesn’t require insurance for mobile homes, your mortgage company may mandate it. Nevertheless, we highly recommend having mobile home insurance, regardless of whether you have a mortgage.
How are mobile home insurance rates determined?
The cost of mobile home insurance is determined by factors such as your location, coverage limits, deductible, and applicable discounts.
