Best Mobile Home Insurance In Oregon For 2024
Foremost is recognized for providing top-rated mobile home insurance in Oregon.
Qualifying for mobile home insurance in Oregon can be challenging due to the susceptibility and exposure of mobile homes to extreme weather conditions like water damage, hail, and windstorms.
When searching for reliable mobile home insurance, factors such as cost and coverage are crucial considerations. To assist you in finding the best insurance at a reasonable price, we’ve identified the top-rated insurers in Oregon, selecting Foremost as the “Best Overall” option for mobile home insurance to safeguard your home and property.
Best Mobile Home Insurance In Oregon, 2024
As you will see, each company we reviewed that qualified to be on our “Best” list provides company advantages as well as policy features that might be a wise choice for your situation.
The policy that’s best for you might not be the best for your neighbor living in a manufactured home down the road from you. Everyone’s circumstances are unique.
Here are the companies we’ve shortlisted, and a table showing a few major factors:
Compare The Best Mobile Home Insurance In Oregon
Now that you've seen our winners in each category, here is 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 |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
Our Methodology
When deciding which insurers made it onto our “Best For” list and to determine the rating scores we assigned each company, we based our opinions on multiple factors, including online reviews, standard coverages, optional coverages, and customer satisfaction ratings.
We were not able to get rate costs as they weren’t available online for the providers we reviewed.
Quotes Analyzed:
Research Hours
Brands Reviewed
Years Of Experience
Best Mobile Home Insurance Companies In Oregon
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a subsidiary of Farmers Insurance, offers both standard and optional coverage similar to other mobile home insurance carriers. However, what distinguishes Foremost is its attractive and highly competitive “extended replacement cost” coverage.
Policyholders find this feature valuable because if their mobile home is entirely destroyed, they are eligible for reimbursement up to twenty percent more than the face value of their policy’s coverage limit.
Foremost excels in customer satisfaction as well, boasting a J.D. Power customer satisfaction rating of 868/1,000, the highest among the insurers reviewed for customer service and satisfaction.
Unlike some insurers, Foremost does not provide instant quotes online. Instead, you’ll need to submit your information on a quote form, and then you’ll receive an email quote from the company within 24 hours.
With nearly 40,000 agents representing the company, Foremost is one of the largest and most reputable mobile home insurance providers in the country.
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 stands out as an excellent choice for mobile home insurance for several reasons. Firstly, it boasts high financial strength, offering reassurance to policyholders. Additionally, Progressive provides discounts for new homeowners and earns high customer satisfaction ratings.
One of Progressive’s notable features is its user-friendly website, which allows users to obtain instant quotes online. Moreover, the availability of a mobile application enhances convenience for customers.
A unique benefit offered by Progressive is its “Single Deductible” feature. When bundling both mobile or manufactured home and auto insurance policies with Progressive, any claim filed for either policy applies to both, eliminating the need for separate deductibles. This feature is highly valued by policyholders and offers significant savings.
Furthermore, bundling mobile home and auto insurance with Progressive results in additional discounts, making it a cost-effective option. Additionally, Progressive offers an endorsement option for “Trip Collision,” providing coverage for the mobile home and personal property during relocation.
Overall, Progressive’s combination of financial strength, discounts, customer satisfaction, and unique features make it a standout 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
⇅Founded in 1949, American Modern was one of the pioneering insurance companies to specialize in mobile home insurance. Over the years, it has become a standout in the industry, offering unique policies such as coverage for owners of vacant or seasonal mobile homes. This particular benefit sets American Modern apart from other mobile home insurance providers reviewed.
In the event of a total loss, American Modern will settle at the stated value of your home as listed in your policy, without deducting depreciation. However, for partial losses, the company will pay the actual cash value of the loss.
Nevertheless, policyholders have the option to upgrade their coverage to include replacement cost valuation. This flexibility ensures that policyholders can choose the coverage that best suits their needs.
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, along with special discounts for seniors aged fifty-five and over, as well as for those who hold the original title to their mobile home. These discounts make coverage more affordable and are appealing to policyholders. Additionally, Allstate provides bundle discounts, a common offering among insurers.
One unique feature of Allstate’s coverage is its “Mine Subsidence” coverage, which protects against damages to your mobile home caused by movement of land triggered by a man-made mine. Moreover, Allstate includes property protection against damages to a satellite dish antenna.
Allstate’s standard mobile home policy includes benefits such as guest medical protection, liability protection, and coverage for the mobile home structure and personal property, with options for actual cash value or replacement cost coverage.
Optional coverages offered by Allstate include protection against water backup, reimbursement for green improvements after a covered loss, and electronic data recovery. Overall, Allstate’s comprehensive coverage options and unique features make it a competitive 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
⇅Assurant stands out among mobile home insurers by offering protection against a wide range of natural disasters, including landslides, floods, earthquakes, and mudslides.
Assurant’s “All Risk” coverage provides policyholders with protection against accidental events resulting in loss or damage to their mobile home, with only a few exceptions. Additionally, Assurant’s home and personal property replacement cost coverage ensures that your home and possessions are replaced with new items of similar kind and quality, without any deduction for depreciation, making it a valuable benefit.
Moreover, Assurant’s coverage extends to adjacent structures on your property, such as unattached garages, sheds, or fences. In the event that your home becomes uninhabitable following a covered loss, Assurant will also cover additional living expenses. This comprehensive coverage makes Assurant a reliable choice for mobile home insurance.
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
⇅While American Family may not have the brand recognition that some of its competitors with larger advertising budgets,it’s still among the top eight home insurance carriers in the United States by market share.
With a variety of discounts available, American Family offers numerous ways to save you money on premiums.
Here are the requirements to qualify for discounts with American Family:
- Live in a newer home you purchased within the last three years
- Equip your home with smart devices like Ring or Nest
- Bundle your mobile home and auto insurance
- Use the company’s autopay, full pay, and paperless billing features
American Family also offers their “diminishing deductible” coverage to policyholders. It credits your deductible $100 on the same day that you secure a policy. So, a $1,000 deductible becomes a $900 deductible immediately.
After that, your deductible will be reduced (diminished) up to the maximum limit of coverage each year upon policy renewal.
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 offers customizable mobile home insurance in Oregon, allowing you to tailor your coverage to your specific needs. With numerous agents throughout the state, Farmers provides personalized assistance in selecting the best coverage, deductibles, and endorsements for your circumstances.
One notable endorsement offered by Farmers is the “green home” improvements endorsement, which upgrades appliances to energy-efficient models after a claim, helping you save money on your utility bills every month.
Policyholders also have the option to add replacement cost coverage for extra personal protection, as well as identity theft coverage.
Farmers provides various money-saving discounts, including installing a home security system, enrolling in paperless billing, maintaining a claims-free history, and being a non-smoker. These discounts make Farmers mobile home insurance a cost-effective choice for Oregon residents.
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’ve decided to buy mobile home insurance and want to get adequate coverage at a reasonable cost, and the right company, follow these four steps:
- Select a minimum of three companies for quotes from the ones you’ll find reviewed here. Obtaining multiple quotes helps to increase your knowledge of mobile home insurance. It will prevent you from overpaying for coverage, for instance.
- Spend a little time deciding which perils your policy should cover. Protection against fire is standard in mobile home insurance, but you should also factor in such things as living near a large body of water or mountains that may cause flooding. If you live in an area where this could be a problem, you might need a separate flood insurance policy. This will depend on the insurance company.
- Don’t forget to insure 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, make sure you’ve included renovations, upgrades, or other work that could affect the value of your mobile home.
- Take good photos and record the serial numbers of all appliances, valuables, and other items you want to insure, either before or after getting quotes. Keep these records in a secure waterproof and fireproof container, a safe, or at a separate location. If you have to file a claim, you will need all of this information.
Average Cost of Home Insurance in Oregon
There were no rates shown on the websites of any insurers we reviewed, but we were able to estimate the approximate cost of mobile home insurance in Oregon as about $434 annually.
This is dependent on several things such as options selected, your deductible, coverage limits, and other factors as shown below.
Factors That Impact Mobile Home Insurance Policies in Oregon
Many factors can affect your mobile home insurance rates, such as:
- The age of your home
- Your deductible
- Where you live (zip code)
- Your claims history
- The cost to replace your home
- The limits and coverage you select
Of the insurers we reviewed, all offered various sorts of discounts to policyholders. Bundling, one of the most popular discounts and a money saver, is when you bundle your mobile home coverage with your auto insurance.
What Does Mobile Home Insurance Cover?
Standard mobile home insurance usually has the coverage shown below:
Dwelling Coverage
If you have to replace or repair the structure of your mobile or manufactured home, you’ll be covered up to the limit you selected when you secured the policy, as long as the damage was from a covered event.
You will have to pay the deductible you chose before the insurer will pay benefits on an approved claim.
Events such as these are typically covered:
- Falling objects
- Explosions
- Burst pipes
- Vandalism
- Damage from wild or stray animals
- Fire
- Lightning
- Weight of ice and snow
- Wind and hail
Other Structures Coverage
This coverage pays for repairs to a fence, shed, or other structure provided it is not attached to your mobile home and also that the damage was sustained due to a covered event.
Personal Property Coverage
This coverage pays for replacements or repairs of electronics, furniture, and other belongings in the event that they’re stolen or damaged by a covered event.
Liability Insurance
Liability insurance pays if a visitor on your covered properties is injured and sues you, or if you accidentally cause property damage or injury to someone. Liability insurance typically covers related legal expenses, also.
What Does Mobile Home Insurance In Oregon Not Cover?
Many insurance policies have their own coverage exclusions. Mobile home insurance generally doesn’t cover damages resulting from:
Earthquakes
Oregon averages 140 earthquakes per year, however, mobile home insurance in this state will not pay for losses due to “earth movement.”
Flooding
If your mobile home is located in an area prone to flooding and your insurance company does not cover flood damage, we recommend that you purchase flood insurance separately.
Insect Or Animal Infestation
Insurance companies consider pest prevention as part of routine maintenance, so there is no coverage for this..
Wear And Tear
Insurance coverage pays for accidental damage, but normal wear and tear is excluded.
Damage Associated With The Use Of Your Mobile Home For Business Purposes
If you’re conducting business from your mobile home, you might need to purchase a commercial insurance policy.
Largest Manufactured / Mobile Home Insurance Providers In Oregon
| Provider | Market share |
| Foremost | 21.5% |
| Assurant | 19.1% |
| State Farm | 16.3% |
How To Buy Mobile Home Insurance Online In Oregon
Following these 3 steps will make purchasing mobile home insurance online a quick and easy process:
- Decide how much coverage you need. In addition to your mobile home itself, calculate the value of its contents to find out the amount of property damage coverage you need in the event you have to replace your mobile home and everything in it.
- Get an online quote. Most of the companies that sell mobile home insurance in Oregon offer potential policyholders the option of obtaining a quote online. There are websites, also, that display a comparison of cost and coverage chart, which makes buying insurance online much easier.
- Complete an application and then submit it to the insurer that you think might work for you. When you’ve decided how much coverage you need, as well as a price that will fit your budget, you should complete your application and submit it to the company for review. Most insurers’ websites will allow you to apply online, but there are others that will require you to meet personally with an agent to complete your application.
Unique Considerations For Mobile Home Insurance In Oregon
The state is known for its variety of extreme weather events, including:
- Flood damage
- Lightning
- Wildfires
- Damaging winds
- Hail
- Tornadoes
Since extreme weather conditions are a possibility in Oregon, we recommend that every mobile home owner in Oregon purchases adequate insurance coverage.
Do You Need Mobile Home Insurance In Oregon?
We believe that you do indeed need mobile home insurance in the Beaver State.
For starters, if you have a mortgage on your mobile or manufactured home, the lender will almost certainly require you to maintain home insurance on it.
Second, any dwelling in Oregon, mortgage or no mortgage, may face destruction and damage from extreme weather events such as: wildfires, extreme heat, air quality, drought, flooding, and extreme cold that can cause water pipes to burst and other damage.
Finally, be sure to check with your mobile home park or community to find out what their rules are–if any–about residents and mobile home insurance.
FAQs
Is mobile home insurance more expensive in Oregon?
Mobile home insurance in Oregon is in line with most other states across the country.
Do you need mobile home insurance in Oregon?
Oregon law doesn’t require you to insure your mobile home. But, if you have a mortgage on your mobile or manufactured home, the mortgage company will almost definitely require that you have insurance on it. Even if it’s not a law or you don’t have a mortgage, we advise you to purchase mobile home insurance.
How are mobile home insurance rates determined?
Multiple factors, including your deductible, credit score, location, and any applicable discounts, all figure into your mobile home insurance rates.
Sources
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