Best Mobile Home Insurance In Oklahoma For 2024
Foremost stands out as a leading provider of mobile home insurance in Oklahoma.
Because they’re susceptible to extreme weather including: windstorms, water damage, and hail, it might be a problem to qualify for mobile home insurance in Oklahoma.
If you’re searching for mobile home insurance, there’s a lot to take into consideration, such as coverage and price. To help you find the best insurance for you at a price you can afford, we’ve reviewed and identified the top-rated insurers in Oklahoma, choosing Foremost as the “Best Overall” for mobile home insurance to safeguard your home and property.
Best Mobile Home Insurance In Oklahoma, 2024
As you’ll see, each company we reviewed that made the cut to be on our “Best” list offers company advantages along with policy features that may be a prudent choice for your situation.
The policy that’s right for you might not be right for your neighbor living in a mobile home down the road. Everyone’s situation is unique.
Here are the companies we’ve shortlisted, followed by a table showing a few major factors:
Compare The Best Mobile Home Insurance In Oklahoma
You've seen our winners in each category, now here’s a better view that shows them side-by-side:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Rating /1000 | Get A Quote | |
|---|---|---|---|---|---|---|
| Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
Our Methodology
When we were deciding which insurers would make it onto our “Best For” list and also to determine the rating scores we assigned each company, we based our decisions on multiple factors, including customer satisfaction ratings, online reviews, standard coverages, and optional coverages. We couldn’t get rate costs because they were unavailable online for the providers we reviewed.
Quotes Analyzed:
Research Hours
Brands Reviewed
Years Of Experience
Best Mobile Home Insurance Companies In Oklahoma
Best Overall
Key Statistics
Why We Like Them
⇅Foremost is highly regarded as a top provider of mobile home insurance in Oklahoma. As a subsidiary of Farmers Insurance, it offers both standard and optional coverage options. However, what sets Foremost apart is its unique and competitive “extended replacement cost” coverage.
This feature is particularly valuable to policyholders because it provides reimbursement of up to 20% more than the face value of the policy’s coverage limit if their mobile home is completely destroyed.
Foremost also earns industry-leading marks in customer satisfaction, with a J.D. Power customer satisfaction rating of 868/1,000, surpassing other providers in the category of customer service and satisfaction.
While Foremost doesn’t offer instant online quotes, policy seekers can submit their information on a quote form and expect to receive an email quote from the company within twenty-four hours.
With a vast network of nearly 40,000 agents representing the company, Foremost is recognized as one of the largest and most reputable mobile home insurance carriers nationwide.
Benefits & Drawbacks
⇅- Writes policies covering older mobile homes
- Endorsed by AARP and provides member discounts
- Good range of additional coverage, including debris removal and food spoilage
- Will insure people with credit issues ✓
- No online application is available
- Takes up to 24 hours to receive a quote ✘
Runner-Up for Best Overall
Key Statistics
Why We Like Them
⇅Progressive is highly recommended for mobile home insurance due to several compelling reasons, including its user-friendly digital platform, strong financial stability, attractive discounts for new homeowners, and impressive customer satisfaction ratings.
Progressive’s website offers a seamless and intuitive user experience, allowing customers to easily navigate and obtain instant online quotes. Moreover, its mobile application adds further convenience for policyholders, enabling them to manage their insurance on the go.
One standout feature of Progressive’s mobile home insurance is its “Single Deductible” benefit, which is not commonly offered by other providers. This benefit allows policyholders to bundle their mobile home and vehicle insurance, resulting in a single deductible for both policies in the event of a claim. This can lead to significant cost savings for policyholders and is highly valued among customers.
Additionally, Progressive offers discounts for bundling mobile home and auto insurance policies, providing additional affordability and value for customers. The company also provides an endorsement option for “Trip Collision,” offering coverage for the mobile home and personal property during relocation.
Overall, Progressive’s combination of user-friendly digital experience, unique benefits, attractive discounts, and high customer satisfaction make it an excellent choice for mobile home insurance.
Benefits & Drawbacks
⇅- Has replacement cost coverage available
- Mobile app available
- Discounts geared toward new homeowners ✓
- Consumer ratings less favorable than many mobile home insurers
- Some policies are underwritten by third-party companies ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅American Modern is a well-established and trusted insurance company, with a rich history dating back to its founding in 1949. As one of the pioneers in the insurance industry specializing in mobile home insurance, it has earned a reputation for reliability and expertise.
Since its inception, American Modern has distinguished itself by offering specialized policies tailored to the unique needs of mobile home owners. One notable feature is its coverage for owners of mobile homes that are vacant or seasonal, a benefit not commonly found among other insurance providers.
In the event of a total loss, American Modern ensures that policyholders receive compensation at the stated value of their home as specified in their policy, without any deduction for depreciation. For partial losses, the company pays the actual cash value of the loss, although policyholders have the option to upgrade their coverage to a replacement cost valuation for added protection.
Overall, American Modern’s commitment to providing comprehensive coverage and tailored solutions has made it a standout choice for mobile home insurance for decades.
Benefits & Drawbacks
⇅- Has a solid mobile app on which you can report claims
- Understands the mobile home market from decades of experience ✓
- No online quotes; must get from an agent
- Doesn’t offer some discounts that other insurers do ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate offers comprehensive coverage for mobile home owners, accompanied by special discounts to enhance affordability and value for policyholders. One notable discount is tailored for seniors aged 55 and over, along with incentives for those who hold the original title to their mobile home. These discounts contribute to making coverage more accessible and economical for eligible customers.
Furthermore, Allstate provides a bundle discount for policyholders who combine their mobile home and auto insurance policies, maximizing savings for individuals seeking multiple insurance solutions.
A distinctive feature of Allstate’s coverage is its “Mine Subsidence” protection, a specialized coverage that safeguards against damages caused by land movement or man-made mine activity. This unique offering adds an extra layer of security for policyholders residing in areas susceptible to such risks.
In addition to standard benefits like guest medical protection and coverage for the mobile home structure and personal property, Allstate offers optional coverages such as reimbursement for green improvements after a covered loss, water backup protection, and electronic data recovery. These customizable options cater to diverse needs and preferences, ensuring that policyholders can tailor their coverage to suit their individual circumstances.
Overall, Allstate’s comprehensive coverage options, coupled with its range of discounts and unique benefits, position it as an excellent choice for mobile home insurance.
Benefits & Drawbacks
⇅- Good optional coverage choices
- Mobile app available
- Discounts for retirees and original title holders ✓
- No immediate online quotes
- Customer experiences vary depending on your local agent ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅While many mobile home insurance providers exclude coverage for natural disasters like earthquakes, landslides, floods, and mudslides, Assurant goes above and beyond by offering protection against these events, setting it apart from its competitors.
Assurant’s “All Risk” coverage provides policyholders with comprehensive protection against accidental events that may result in loss or damage to their mobile homes, with minimal exceptions. This inclusive coverage ensures that policyholders are financially safeguarded against a wide range of unforeseen circumstances.
One of the most valuable features of Assurant’s coverage is its home and personal property replacement cost, which ensures that damaged items are replaced with new ones of similar kind and quality, without factoring in depreciation. This ensures that policyholders can fully recover from losses without bearing the burden of depreciated values.
Furthermore, Assurant extends its coverage to include adjacent structures on the insured property, such as fences, unattached garages, or sheds. Additionally, the company offers coverage for additional living expenses if the insured home becomes uninhabitable due to a covered loss, providing policyholders with essential support during challenging times.
Overall, Assurant’s comprehensive coverage options and protection against natural disasters make it an exceptional choice for mobile home insurance, offering policyholders peace of mind and financial security in the face of unexpected events.
Benefits & Drawbacks
⇅- Replacement cost for your home and property is standard
- Covers flood and earthquakes with standard coverage ✓
- No online quotes, must call toll-free number 7 am to 7 pm
- No mobile app ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Although American Family might not have the brand recognition as some of its competitors with bigger advertising budgets, it’s still among the top 8 home insurance providers in the country by market share. With a selection of discounts available, American Family offers many ways to save money on premiums.
The requirements to qualify for discounts with American Family are:
- Use the company’s autopay, full pay, and paperless billing features
- Bundle your mobile home and auto insurance
- Live in a newer home you purchased within the last three years
- Equip your home with smart devices like Ring or Nest
American Family offers their “diminishing deductible” coverage to policyholders, too. It credits your deductible $100 on the same day that you secure a policy. So, a $1,000 deductible becomes a $900 deductible immediately.
From then on, your deductible will be reduced (diminished) up to the maximum limit of coverage each year when you renew your policy.
Benefits & Drawbacks
⇅- A large number of ways to qualify for discounts
- Has a mobile app that can track your claim’s status
- Variety of additional coverage options ✓
- Reports of slow claims processing ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers mobile home insurance in Oklahoma can be customized to fit your circumstances. This company has many agents in the state to help you select the most suitable deductible, coverage, and endorsements for your needs.
Its endorsements include “green home” improvements. This means that after a claim, this endorsement will upgrade your appliances to energy efficient, money saving models.
You have the option of replacement cost coverage that will deliver added personal protection, and identity theft coverage, also.
Farmers offers money saving discounts to policy owners, including: enrolling in paperless billing, installation of a home security system in your home, having a claims-free history, and not smoking.
Benefits & Drawbacks
⇅- Claim forgiveness prevents rate increases after 5 continuous years with no claims filed
- Replaces your personal property that is lost or stolen, even when you’re away from home ✓
- You can only get a quote from an agent
- Lowest J.D. Power score of insurers we reviewed ✘
How To Find The Best Mobile Home Insurance Company For You
If you’re thinking of purchasing mobile home insurance and want to get adequate coverage at an affordable cost, and the right company, follow these 4 steps:
- Select at least 3 insurers for quotes from the ones in this review. Getting multiple quotes will help to broaden your knowledge of mobile home insurance. It might prevent you from overpaying for coverage, for example.
- Spend some time deciding which perils your policy needs to cover. Protection against fire is standard in mobile home insurance, but you also need to factor in such things as how close you are to a large body of water or mountains that may cause flooding. If you live in an area where this could be a problem, you may need a separate flood insurance policy. This will be up to the insurance company.
- You’ll need to insure your valuables or any unique collectible items you may own. Calculating the value of these items, along with your other possessions, will help you get the right amount of policy limits besides helping to prevent overspending or over-insuring on coverage. It will also help prevent under-insuring your personal possessions.
- When you get a quote for coverage, be sure to include upgrades, renovations, or other work that could affect the value of your mobile home.
- Take clear photos and record serial numbers of all your valuables, appliances, and other items you want to insure, either before or after you get quotes. Keep these records in a waterproof and fireproof container, a safe, or even at a separate location. If you need to file a claim, you’ll need all of this information.
Average Cost of Home Insurance in Oklahoma
There were no rates available on the insurance company websites we reviewed, but we were able to estimate the approximate cost of mobile home insurance in Oklahoma as between $750-$1500 annually.
This depends on several factors, such as: your deductible, options selected, coverage limits, and other elements as shown below.
Factors That Impact Mobile Home Insurance Policies in Oklahoma
Many factors can affect your mobile home insurance rates, such as:
- Your deductible
- The limits and coverage you select
- The cost to replace your home
- The age of your home
- Where you live (zip code)
- Your claims history
All of the insurers we reviewed offered various sorts of discounts to policyholders. Bundling is one of the most used discounts and a money-saver. Bundling is when you insure both your mobile home coverage and your auto insurance with the same insurer.
What Does Mobile Home Insurance Cover?
Standard mobile home insurance will typically have coverage as shown below:
Dwelling Coverage
If you have to repair or replace the structure of your mobile or manufactured home, your coverage will be up to the limit you chose when you purchased the policy, provided the damage is from a covered event.
You will be required to pay the deductible you selected before your insurance provider will pay benefits on an approved claim.
Events such as these are typically covered:
- Weight of ice and snow
- Vandalism
- Fire
- Falling objects
- Burst pipes
- Lightning
- Wind and hail
- Damage from wild or stray animals
- Explosions
Other Structures Coverage
This coverage pays for repairs to a shed, fence, or other structure provided it’s unattached to your mobile home and that the damage was sustained due to a covered event.
Personal Property Coverage
This coverage pays for replacements or repairs of furniture, electronics, and other belongings in the event they’re stolen or damaged by a covered event.
Liability Insurance
Liability insurance will pay if a visitor on your covered property is injured and sues you, or if you accidentally cause property damage or injury to someone. Liability insurance typically covers related legal expenses, as well.
What Does Mobile Home Insurance In Oklahoma Not Cover?
Most insurance policies have their own coverage exclusions. Mobile home insurance usually doesn’t cover damages resulting from:
Earthquakes
Since 2009, Oklahoma experiences literally thousands of earthquakes per year, mostly man-made as the result of disposal of wastewater disposal from oil and water.
However, mobile home insurance in this state does not cover losses due to earthquakes. You can get an endorsement to your policy for earthquake coverage, though.
Flooding
Standard mobile home insurance does not cover flooding. If your mobile home is located in an area prone to floods, we strongly urge you to purchase flood insurance separately.
Insect Or Animal Infestation
Insurance companies consider pest prevention as a part of routine maintenance, so they don’t cover this problem.
Wear And Tear
Insurance coverage will pay for accidental damage, but not normal wear and tear.
Damage Associated With The Use Of Your Mobile Home For Business Purposes
If you’re conducting business from your mobile home, you should purchase commercial insurance.
Largest Manufactured / Mobile Home Insurance Providers In Oklahoma
| Provider | Market share |
| Foremost | 20.8% |
| Allstate | 15.8% |
| State Farm | 16.3% |
How To Buy Mobile Home Insurance Online In Oklahoma
Following these three steps will make securing mobile home insurance online a fast, easy task:
- Figure how much coverage you need. Besides your mobile home itself, calculate the value of its contents to determine the amount of property damage coverage you need if you had to replace your mobile home and everything in it.
- Get a quote online. The majority of companies that offer mobile home insurance in Oklahoma give you the option of obtaining a quote on their website. There are websites, also, that show a comparison of cost and coverage chart, making getting insurance online a lot easier.
- Complete an application and submit it to the insurer/s that you think might work best for your situation. When you’ve decided how much coverage you need, as well as a cost that’s inside your budget, complete your application and submit it to the company for review. Most insurance providers will allow you to apply online, but there are others that require you to meet with an agent to complete your application.
Unique Considerations For Mobile Home Insurance In Oklahoma
The state is known for its variety of extreme weather events, including:
- Tornadoes
- Damaging winds
- Flood damage
- Lightning
- Hail
- Wildfires
Since extreme weather conditions are a real possibility in Oklahoma, we suggest that mobile home owners in that state buy adequate insurance coverage.
Do You Need Mobile Home Insurance In Oklahoma?
We believe that you do need mobile home insurance in the Sooner State.
For one thing, if you have a mortgage on your mobile or manufactured home, the lender will almost definitely require that you insure it.
Also, any dwelling in Oklahoma, with or without a mortgage, may face damage and destruction due to extreme weather such as: flooding, wildfires, extreme heat, air quality, drought, and extreme cold that can cause water pipes to burst and other damage.
Finally, check with your mobile home park or community to learn what their rules are about residents and mobile home insurance.
FAQs
Is mobile home insurance more expensive in Oklahoma?
Mobile home insurance in Oklahoma, and traditional homeowners insurance, has the highest cost of anywhere else in the country.
Do you need mobile home insurance in Oklahoma?
While Oklahoma law doesn’t require that your mobile home have insurance, if you have a mortgage on your mobile or manufactured home, the lender will almost certainly require that you insure it. Although it isn’t a law or even if you don’t have a mortgage, we strongly advise you to purchase mobile home insurance.
How are mobile home insurance rates determined?
Multiple factors, such as your location, deductible, credit score, and any applicable discounts, all play a part in calculating your mobile home insurance rates.
Sources
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