Best Mobile Home Insurance In Pennsylvania, 2024
Foremost offers the best mobile home insurance policy in Pennsylvania.
Due to the exposure and also susceptibility of mobile homes to extreme weather such as hail, windstorms, and/or water damage, it can be something of a challenge at times to qualify for mobile home insurance in Pennsylvania.
If you’re looking around for the best mobile home insurance policy, there’s quite a bit to consider, including price and cover features. To help you find the best coverage at the best price, we have identified the top rated companies (and chosen Foremost as the “Best Overall” for mobile home insurance) to protect both your home and your property.
Best Mobile Home Insurance In Pennsylvania, 2024
As you'll see, each one of the different companies we reviewed qualified to be on our list because they offered company advantages along with policy features that could be the best choice for your circumstances. The best policy for you might not be the best for a neighbor living in a mobile home across town from you.
Here are the companies we’ve shortlisted, along with a table showing a few major factors:
Compare The Best Mobile Home Insurance Companies In Pennsylvania
Now that you've had a look at our category winners, 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 |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
Our Methodology
For deciding who made the cut for our “Best For” list and overall rating scores of each insurer, we based our opinions upon optional coverages, online reviews, financial strength, standard coverages, and customer satisfaction ratings. We couldn't obtain pricing as it was unavailable online for the insurance providers we reviewed.
Quotes Analyzed:
Research Hours
Brands Reviewed
Years Of Experience
The Best Mobile Home Insurance Companies In Pennsylvania
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, which is a subsidiary of Farmers Insurance, has standard and optional coverage available, which can most likely be found with other mobile home insurance carriers. Its most attractive and competitive feature, however, is its popular “extended replacement cost” coverage.
This is where the value lies in replacement cost coverage with Foremost: Should your mobile or manufactured home be completely destroyed, you’re eligible for reimbursement up to as much as 20% more than the face value of your coverage limit.
Foremost distinguishes itself in the area of customer satisfaction, too. Its J.D. Power customer satisfaction rating is a superior 868 / 1,000, the highest of the insurers we reviewed.
On the flip side, Foremost does not allow instant quotes on its website. You have to submit your information on a quote form, and then you’ll get an email quote within 24 hours. Foremost is one of the largest and best known mobile home insurance providers in the country, with almost 40,000 agents representing the company.
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 a wise choice for mobile home insurance due to multiple reasons, including: high financial strength, customer satisfaction ratings, discounts it offers new homeowners, and digital experience. Progressive’s website is smooth and easy to navigate. You can get an instant online quote. It offers a mobile application that’s another popular feature, as well.
Progressive’s “Single Deductible” benefit was unique amongst the mobile home insurance providers we reviewed. Here’s how it works: If you bundle both your mobile home and your vehicle insurance with Progressive, any claim you might file for either of the policies will apply to both policies, instead of having two separate deductibles.
Here’s an example: If a hail storm causes damage to the roof of your mobile home and your car, as well, and you have a $500 deductible with both policies, you will only have to pay one single deductible of $500 and both will be repaired. This is a great benefit and one that policyholders appreciate.
In addition, you will receive a discount when you bundle your mobile home and auto insurance with Progressive, which means a savings of more money.
Progressive has an endorsement option for “Trip Collision,” also, which covers your mobile home as well as your personal property while it’s being moved from one place to another.
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
⇅Since American Modern was founded in 1949, it’s been one of the first insurance companies to specialize in mobile or manufactured home insurance.
This company is a standout with its specialized policies with coverage to owners of mobile or manufactured homes that are vacant and/or seasonal. We didn’t find this potentially useful benefit offered by any of the other mobile home insurance companies we reviewed.
In the event of a total loss, American Modern settles at the stated value of your home as it is listed in your policy. There is no depreciation deduction, either. If a partial loss, the company will pay the actual cash value of the loss, but the policy holder has the option to upgrade to a replacement cost valuation.
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 Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅There aren’t many mobile home insurance policies that protect against such natural disasters as: earthquakes, landslides, mudslides, hurricanes, or floods. But, Assurant policyholders have protection against all of these extreme events and more.
Assurant’s “All Risk” coverage affords protection against accidental events that cause direct loss or damage to your mobile home, with the exception of a few exclusions. In addition, Assurant’s dwelling and personal property replacement cost coverage will replace your home and possessions with new items of like kind and quality, and there’s no deduction for depreciation.
Assurant also covers adjacent structures on your property, such as a shed, fence or unattached garage. It will pay for additional living expenses, also, if your home is too damaged to live in due to a covered loss.
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 Retirees
Key Statistics
Why We Like Them
⇅Allstate provides comprehensive coverage for mobile home owners, but it has a specialized discount available for retirees aged 55 and over, as well as those who hold the original title of their mobile or manufactured home. This makes coverage more affordable and is a perk that policyholders appreciate.. Allstate offers a bundle discount, too, as do the majority of other insurers.
Unique to Allstate mobile home coverage among the insurers we reviewed is the company’s “Mine Subsidence” coverage. This specialized coverage pays on damages sustained to your mobile home caused by movement of land and/or triggered by a man made mine. It also provides property protection against damage to satellite dish antennas.
Allstate’s standard mobile home policy is in line with its competition, including such benefits as liability protection, guest medical protection, along with actual cash or replacement cost coverage for your mobile home structure and personal property. Optional coverages include electronic data recovery, and protection against water backup, reimbursement for green improvements after a loss.
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 Endorsements
Key Statistics
Why We Like Them
⇅Farmers mobile home insurance in the state of Pennsylvania can be customized based on your unique needs. Farmers has multiple agents throughout the state that can help you select just the right coverage, endorsements, and deductibles to suit your needs.
Farmers’ endorsements include “green home” improvements after a claim that will upgrade your appliances to energy efficient models. You can opt for replacement cost coverage that delivers extra personal protection, along with identity theft coverage.
Farmers offers discounts available to policy owners, too. These discounts include bundling multiple policies with Farmers’ car or life insurance, installation of a home security system in your home, enrolling in paperless billing, 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 ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅American Family might not have the brand recognition as some of its competitors with bigger advertising budgets, but it’s among the top 8 home insurance providers, by market share, in the U.S. With money-saving discounts, American Family offers a variety of ways to save money on your premiums.
Here are the criteria to qualify for discounts with American Family:
- Equip your home with smart devices like Ring or Nest
- 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
In addition, American Family provides policyholders diminishing deductible coverage. This simply means that it credits your deductible $100 on the first day you purchase the policy. So, a $1,000 deductible becomes a $900 deductible immediately. After that, the deductible will be reduced (diminished) every year when you renew your policy, up to the maximum limit of your coverage.
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 ✘
How To Find The Best Mobile Home Insurance Company For You
If you’re looking around and hoping to find the best mobile home insurance along with the right company, follow these 4 simple steps:
- Select at least 3 companies for quotes of the ones we’ve reviewed here. Getting multiple quotes helps you become more knowledgeable about mobile home insurance, as well as keeps you from overpaying for coverage.
- Determine which perils your policy should cover. Fire protection is standard, but also consider such factors as living near water or mountains that may cause flooding, in which case you might need a separate flood insurance policy. This is dependent on the insurer.
- Insure any valuable or unique items you possess. Calculating the value of these items, plus your other possessions, will help you receive the correct policy limits. This will prevent over-insuring or overspending on insurance protection. By the same token, it will prevent underinsuring your personal property.
- When you obtain a quote, make sure you include upgrades, renovations, or other major work that might affect the value of your mobile home.
- Take photos and record the serial numbers of valuables, appliances, and other items you intend to insure, either before or after getting quotes. Keep this information in a safe, a waterproof and fireproof container, or even at a separate location. This information will be needed if you have to file a claim.
Average Cost of Home Insurance in Pennsylvania
Though none of the insurers we reviewed furnished premium prices on their websites, we estimated that the approximate cost of mobile home insurance in Pennsylvania is between $850 and $1,000 annually. This depends on several elements, including your deductible, coverage limits, options selected, and other factors as shown below.
Factors That Impact Mobile Home Insurance Policies in Pennsylvania
Many things affect your mobile home insurance rates, including:
- Your deductible
- The age of your home
- Your claims history
- The limits and coverage you select
- The cost to replace your home
- Where you live (zip code)
All of the insurance providers we reviewed offer various types of discounts to mobile home insurance policyholders. Bundling your coverage with your vehicle insurance is one of the most used discounts.
What Does Mobile Home Insurance Cover?
Standard mobile home insurance policies typically features the following coverage:
Dwelling Coverage
Dwelling coverage will pay for replacement or repair of the structure of your mobile or manufactured home, as long as it’s been damaged by a covered event, up to the limit you selected at the time you purchased the policy. You will have to pay the deductible you chose before the insurance provider pays benefits on an approved claim.
Events such as these are typically covered:
- Burst pipes
- Wind and hail
- Falling objects
- Weight of ice and snow
- Fire
- Vandalism
- Damage from wild or stray animals
- Explosions
- Lightning
Other Structures Coverage
This particular coverage pays for repairs to a shed, fence, or other structure provided it’s unattached to your mobile home and the damage is due to a covered event.
Personal Property Coverage
This coverage will pay to repair or replace electronics, furniture, and other belongings if they’re damaged by a covered event, or stolen.
Liability Insurance
Liability insurance pays if a visitor is injured on your covered property and sues you, or if you accidentally cause injuries and/or property damage to others. Liability insurance usually covers related legal expenses, also.
What Does Mobile Home Insurance In Pennsylvania Not Cover?
You can count on every insurance policy having its own coverage exclusions. That being said, mobile home insurance in Pennsylvania usually doesn’t pay for damages caused by:
Earthquakes
Pennsylvania isn’t known for earthquakes, but mobile home insurance in this state doesn’t protect you against “earth movement.”
Flooding
If your insurance company doesn’t pay for flood damage and you live in an area that’s at risk for flooding, we advise you to purchase flood insurance separately.
Insect Or Animal Infestation
Insurers consider pest prevention part of routine maintenance, which isn’t covered.
Wear And Tear
Insurance covers sudden, accidental damage, but not normal wear and tear.
Damage Associated With The Use Of Your Mobile Home For Business Purposes
You may need a commercial policy if you conduct a business from your mobile home.
Largest Manufactured / Mobile Home Insurance Providers In Pennsylvania
| Provider | Market share |
| State Farm | 17.4% |
| Erie | 15.3% |
| Foremost | 15.1% |
How To Buy Mobile Home Insurance Online In Pennsylvania
Follow these steps to make buying mobile home insurance online an easy and relatively streamlined process
- Determine the amount of coverage you need. Besides your mobile home itself, calculate the contents of your mobile or manufactured home to know how much property damage coverage you’d need if you had to replace your home and its contents.
- Obtain a quote online. The majority of companies that offer mobile home insurance in Pennsylvania have the option of getting an online quote. There are websites, too, that perform a comparison of coverage and cost, making online shopping for insurance much easier.
- Complete and submit an application for coverage. Once you have calculated the amount of coverage you need at a cost that fits your budget, you will need to complete your application. Most insurers’ websites allow you to apply online, while some require you to meet with an agent to complete an application.
Unique Considerations For Mobile Home Insurance In Pennsylvania
Like some of its coastal neighbors further to the south, Pennsylvania is prone to a variety of extreme weather events, such as:
- Lightning
- Wildfires
- Hail
- Tropical storms
- Hurricanes
- Damaging winds
- Flood damage
- Tornadoes
Due to the possibility of extreme weather events, we advise every mobile home owner in Pennsylvania to secure adequate insurance coverage.
Do You Need Mobile Home Insurance In Pennsylvania?
We believe that you definitely need mobile home insurance in the Garden State.
First of all, if you have a mortgage when you purchase your mobile or manufactured home, your lender will almost definitely require that it be insured.
Second, any dwelling in Pennsylvania, with or without a mortgage, may face the destruction and damage of extreme weather events like: violent thunderstorms with damaging winds, tornadoes, hail storms, tropical storms, and hurricanes that blow in from Florida or off the Atlantic Ocean.
Last, be sure to check with your mobile home park or community to find out if residents are required to have mobile home insurance.
FAQs
Is mobile home insurance more expensive in Pennsylvania?
Homeowners insurance in Pennsylvania is on par with other states and this applies to mobile home insurance, as well.
Do you need mobile home insurance in Pennsylvania?
It isn’t required by law. But, if you have a mortgage on your mobile home, the mortgage company will almost certainly require you to maintain insurance on it. Law or not, mortgage or not, we strongly urge you to get mobile home insurance.
How are mobile home insurance rates determined?
Multiple factors, including your coverage limits, credit score, location, deductible, and any applicable discounts, all play a part in calculating mobile home insurance rates.
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