Best Mobile Home Insurance Companies In New York 2024

For the best mobile home insurance in New York, turn to Foremost.

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Written by Bob Phillips
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Mobile homes, also known as manufactured homes, have unique insurance needs due to their susceptibility to windstorms, hail, and water damage. This can sometimes make it difficult to qualify for insurance in New York.

When searching for the best mobile home insurance policy, it’s important to consider factors like coverage features and cost. To assist you in finding the right coverage at the right price, we’ve highlighted the top-rated companies, selecting Foremost as the “Best Overall” for mobile home insurance.

Best Mobile Home Insurance Companies In New York 2024

Every company we've assessed has earned a spot on our list due to its unique advantages and policy features that may cater to your needs. The best policy for you may vary from what's best for another person living in a nearby mobile home.

Below, we've outlined 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, New York, 2024

Compare The Best Mobile Home Insurance Companies in New York

After showcasing our category winners briefly, here's a direct comparison that puts them side-by-side for better clarity:

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
Progressive
4.9

Runner-Up

A+

Yes

859

Instant Quote
Allstate
4.9

Retirees

A+

Yes

854

Instant Quote
American Family
4.9

Discounts

A

No

855

Instant Quote
Farmers
4.7

Endorsements

A-

Yes

792

Instant Quote
American Modern
4.7

Specialized Coverage

A+

No

Not Rated

Instant Quote
Foremost
4.9

Overall

A

No

868

Instant Quote
Scroll to see comparisons

Best Mobile Home Insurance Companies In New York


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 most notable feature is the “extended replacement cost” coverage.

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

Foremost excels in customer satisfaction, with a J.D. Power rating of 868/1,000, the highest among the reviewed insurers.

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

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

Benefits & Drawbacks

Benefits
  • Endorsed by AARP with discounts for members
  • Insures individuals with credit challenges
  • Specializes in policies for older mobile homes
  • Provides comprehensive additional coverage, including debris removal and food spoilage
Drawbacks
  • Does not offer an online application
  • Quote processing time can be up to 24 hours

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 due to its discounts for new homeowners, high financial strength and customer satisfaction ratings, and its user-friendly 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 provide an endorsement for “trip collision” coverage during relocation.

Benefits & Drawbacks

Benefits
  • Offers replacement cost coverage
  • Discounts are available for new homeowners
  • Features a mobile app for customer convenience
Drawbacks
  • Consumer ratings are less positive compared to many other mobile home insurers
  • Some policies may be underwritten by third-party companies

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 offers customizable mobile home insurance policies in New York, allowing policyholders to tailor coverage based on their specific needs. With agents located throughout the state, they can assist in choosing the appropriate coverage, deductible, and endorsements.

Farmers’ endorsements include green-home improvements, which let you upgrade appliances and systems to energy-efficient models after making a claim. Additionally, you can opt for replacement cost coverage for extra personal protection and identity theft coverage.

Policyholders with Farmers can enjoy discounts including having a home security system, not smoking, enrolling in paperless billing, maintaining a claims-free history, and bundling multiple policies with Farmers’ car or life insurance.

Benefits & Drawbacks

Benefits
  • Claim forgiveness ensures your rates remain stable after five years without filing a claim
  • Includes coverage for replacing lost or stolen personal items, regardless of your location
Drawbacks
  • Getting a quote necessitates contacting an agent directly
  • Received the lowest J.D. Power score among the insurers we assessed

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 provides comprehensive coverage for all, including discounts for retirees aged 55 and older and original titleholders of mobile or manufactured homes, making policies more economical.

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

Allstate’s standard mobile home insurance is akin to what competitors offer, including features like actual cash or replacement cost coverage for the mobile home’s structure and personal belongings, liability protection, and guest medical coverage. Optional coverages include protection against water backup, reimbursement for eco-friendly improvements post-loss, and electronic data recovery.

Benefits & Drawbacks

Benefits
  • Offers discounts specifically for retirees and original title holders
  • Provides a convenient mobile app for customers
  • Offers a diverse array of optional coverage choices
Drawbacks
  • Customer satisfaction may vary based on your local agent
  • Immediate online quotes are not offered

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, is proud to be one of the pioneering companies in mobile home insurance.

They specialize in providing coverage for vacant or seasonal mobile homes, which sets them apart from other insurers we looked into.

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 can upgrade to a replacement cost valuation.

Benefits & Drawbacks

Benefits
  • Provides a solid mobile app for reporting claims conveniently
  • Brings decades of experience and expertise in the mobile home sector
Drawbacks
  • Requires quotes to be obtained through agents; no online quotes
  • Some discounts available with other insurers are not provided

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 well-known as some competitors with larger advertising budgets, American Family is among the top eight home insurers in the U.S. by market share. They provide discounts, offering ways for policyholders to reduce their monthly premiums.

Qualify for discounts with American Family by:

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

American Family offers diminishing deductible coverage, which reduces your deductible by $100 on the first day of your policy. For example, if your deductible is $1,000, it starts at $900. Each year at renewal, your deductible decreases until it reaches the maximum limit.

Benefits & Drawbacks

Benefits
  • Provides a large number of discount eligibility options
  • Features a mobile app for claim status tracking
  • Offers a diverse array of additional coverage options
Drawbacks
  • Customers have reported occasional delays in processing claims

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

Although many mobile home insurance policies exclude coverage for floods, hurricanes, earthquakes, landslides, and mudslides, Assurant provides insurance against these risks.

Assurant’s All Risk coverage protects against any sudden and accidental events that cause direct loss or damage to your mobile home, with specific exclusions. Additionally, its dwelling and personal property replacement cost coverage ensures the replacement of your home and possessions with new items of like kind and quality, without depreciation deductions.

Assurant protects adjacent structures on your property, such as sheds, fences, or standalone garages. It also compensates for additional living expenses if your home is unlivable due to a covered loss.

Benefits & Drawbacks

Benefits
  • Provides standard coverage for flood and earthquake events
  • Includes replacement cost coverage for both home and property
Drawbacks
  • Online quotes are not available; customers must call the toll-free number during specified hours
  • No mobile app is offered for policy management

Do You Need Mobile Home Insurance In New York?

Mobile home insurance is necessary in New York for a few reasons. If you’re financing your mobile home with a mortgage, your lender will probably require it.

It’s also recommended to check with your mobile home park or community about insurance requirements for residents.

Average Cost Of Home Insurance In New York

Though none of the insurers we assessed offer pricing information on their websites, we estimate that the monthly cost of mobile home insurance in New York typically ranges from $40 to $125.

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

Several factors influence the price of your mobile home insurance policy in New York, 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 assessed provide various discounts for mobile home insurance policyholders, including the opportunity to bundle your coverage with auto insurance.

What Does Mobile Home Insurance Cover?

A standard mobile home insurance policy typically includes multiple types of coverage to safeguard your property:

Dwelling Coverage

If your mobile home’s structure is damaged by events covered in your policy, this coverage will pay for repairs or replacement up to the limit you’ve chosen. You’ll also choose a deductible, which is the amount you’ll pay out of pocket before the insurer covers the claim.

Generally 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 detached structure 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 injuries to visitors who sue you or if you accidentally cause property damage or injuries to others, often including legal expenses.

What Does Mobile Home Insurance In New York Not Cover?

Every insurance policy has its exclusions. Mobile home insurance in New York typically doesn’t cover certain types of damage.

Flooding

For instance, flood damage isn’t covered, so if you live in an area prone to floods, it’s recommended to obtain separate flood insurance.

Earthquakes

While earthquakes are rare in New York, mobile home insurance doesn’t include protection against earth movement.

Wear and tear

Additionally, insurance won’t reimburse for normal wear and tear.

Insect or animal infestation

Pest prevention is typically not included in insurance coverage since it is considered part of routine maintenance that homeowners are responsible for.

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

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

Largest mobile home insurance companies in New York

Provider Market share
State Farm 17.8%
Allstate 8.9%
USAA 6.7%

How To Buy Mobile Home Insurance Online In New York

Purchasing mobile home insurance online is made simple and quick by following these steps.

  • Calculate the protection needed by totaling the value of your mobile home’s contents and the dwelling. This will help determine the property damage limits necessary for replacing your home and valuables.
  • Seek an online quote. Many insurers selling mobile home insurance in New York offer the ability to get a quote online. Additionally, there are websites that provide coverage and cost comparisons, simplifying online shopping for insurance.
  • Submit your application. Once you’ve arrived at the coverage amount you need for a price you can afford, complete an application for coverage. Many insurers provide online application options, but some may require you to meet with an agent to finalize the application.

Unique Considerations For Mobile Home Insurance In New York

Just like Florida to the south, New York is susceptible to a multitude of severe weather events, including:

Thus, it’s recommended that every mobile home owner in New York has suitable coverage.

How To Find Cheap Mobile Home Insurance In New York

Obtain quotes from at least three insurance companies to find cheap mobile home insurance in New York. Rates for basic coverage and options can vary, so be sure to ask about discounts.

Remember not to choose based only on price; ensure you have the right coverage limits and compare quotes accurately.

Our Methodology

We created our "Best For" list and overall rating by analyzing each insurer's standard and optional coverage options, online feedback, financial strength, and customer satisfaction ratings. Unfortunately, pricing information was not available online for any of the insurers we evaluated.

57

Quotes Analyzed

15+

Years Of Industry Experience

25

Brands Reviewed

23+

Research Hours

FAQs

Is mobile home insurance more expensive in New York?

Mobile home insurance in New York is typically 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 New York?

While insurance on your mobile home is not mandated by state law in New York, 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?

Several elements, including your location, coverage limits, deductible, and available discounts, contribute to mobile home insurance rates.

Sources

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