Best Mobile Home Insurance Companies In Tennessee July, 2024
We recommend Foremost as the go-to choice for mobile home insurance in Tennessee.
We’ve saved shoppers an average of $450 per year on their home insurance.
Mobile homes, also called manufactured homes, face particular risks from windstorms, hail, and water damage, which can affect the availability of insurance coverage in Tennessee.
If you’re in the market for the best mobile home insurance policy, there are several factors to consider, including cover features and cost. To help you make an informed decision, we’ve identified the top-rated companies, with Foremost named as the “Best Overall” for mobile home insurance.
Best Mobile Home Insurance Companies In Tennessee 2024
Each of the companies we've examined has been included in our list because they offer different benefits and policy features that might be suitable for you. The best policy for you might not be the same as for someone else living in a mobile home nearby.
Here are the shortlisted companies and key criteria:
Compare The Best Mobile Home Insurance Companies in Tennessee
Now that you've had a snapshot of our category winners, here's a side-by-side comparison to provide a clearer view:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Cust. Satisf. Rating | Get A Quote | |
|---|---|---|---|---|---|---|
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
Best Mobile home insurance companies In Tennessee
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Since its inception in 1949, American Modern has claimed a position as one of the first companies to focus on mobile home insurance.
Their specialty is providing coverage for vacant or seasonal mobile homes, a feature not offered by other insurers we researched.
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
⇅- Offers a reliable mobile app for efficient claim reporting
- Has extensive experience and understanding in the mobile home market ✓
- Quotes must be obtained through agents; online quoting is not available
- Doesn't include certain discounts that are offered by other insurers ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive stands out for its discounts for new homeowners, strong financial stability, and high customer satisfaction ratings.
Their website is easy to use, offering instant quotes, and they provide a mobile app.
A unique benefit is Progressive’s “single deductible” feature, where bundling your mobile home and auto insurance means any claim applies to both policies with only one deductible to pay.
For example, if your mobile home’s roof and your car are damaged in a hailstorm, 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
⇅- Replacement cost coverage is provided
- Discounts are geared toward new homeowners
- Includes a mobile app for easy access ✓
- Consumer ratings are less favorable than those of many other mobile home insurers
- Some policies may be underwritten by third-party companies ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate offers thorough insurance coverage for everyone, with discounts for retirees aged 55 and older and original titleholders of mobile or manufactured homes, helping to reduce policy expenses.
Allstate’s mobile home insurance stands out because it includes “mine subsidence” coverage, which protects against damage caused by land movement from man-made mines. Additionally, it provides property protection for satellite dish antennas.
Allstate’s standard mobile home coverage is on par with competitors, providing benefits such as actual cash or replacement cost coverage for the structure and personal property, liability protection, and guest medical protection. Optional coverages include water backup protection, reimbursement for green upgrades after a loss, and electronic data recovery.
Benefits & Drawbacks
⇅- Retiree and original title holder discounts are available
- Features a mobile app for easy access
- Provides good optional coverage choices ✓
- Customer experiences may differ depending on your local agent
- Online quotes are not available immediately ✘
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.
This coverage allows reimbursement up to 20% above the value of your policy limit if your mobile home is completely destroyed.
Foremost is highly regarded for its customer satisfaction, with a J.D. Power rating of 868/1,000, the highest among the insurers reviewed.
However, Foremost does not provide instant quotes on its website; instead, you’ll receive an email quote within 24 hours after submitting your information.
Nonetheless, Foremost is one of the largest mobile insurance providers in the U.S., with over 38,000 agents representing the company.
Benefits & Drawbacks
⇅- Supported by AARP and offers member discounts
- Accepts applicants with credit issues
- Writes policies for older mobile homes
- Provides a wide range of additional coverage, such as debris removal and food spoilage ✓
- No online application process is available
- Quote delivery timeframe is up to 24 hours ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅American Family, though not as famous as some other insurers, is one of the top eight home insurers in the U.S. They offer discounts, giving policyholders opportunities to save on their monthly premiums.
American Family offers discounts if you:
- Bundle your mobile home and auto insurance
- Equip your home with smart devices like Ring or Nest
- Reside in a newer home you bought in the last three years
- Use the company’s autopay, full pay, and paperless billing features
American Family provides diminishing deductible coverage, where your deductible decreases by $100 when you purchase your policy. So, if your deductible is $1,000, it starts at $900. Then, every year when you renew your policy, your deductible decreases until it reaches the maximum limit set by your policy.
Benefits & Drawbacks
⇅- Many avenues to qualify for discounts
- Mobile app allows for tracking claim status
- Provides a wide selection of additional coverage options ✓
- Some customers have experienced slower claims processing ✘
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 coverage in standard policies
- Offers replacement cost coverage for both your home and belongings by default ✓
- Customers need to call the toll-free number during specified hours to get quotes; online quotes are not available
- The company does not have a mobile app for managing policies ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅In Tennessee, Farmers provides customizable mobile home insurance policies, allowing policyholders to adjust coverage according to their needs. With agents statewide, they can help you choose the right coverage, deductible, and endorsements.
With Farmers’ endorsements, you can make green-home improvements by upgrading appliances and systems to energy-efficient models after a claim. You also have the option to add replacement cost coverage for enhanced personal protection and identity theft coverage.
Farmers provides discounts for policyholders who have a home security system, are non-smokers, enroll in paperless billing, maintain a claims-free history, and bundle multiple policies with Farmers’ car or life insurance.
Benefits & Drawbacks
⇅- Maintain consistent rates thanks to claim forgiveness after five claim-free years
- Offers replacement coverage for lost or stolen personal belongings, even when you're not at home ✓
- Quotes are solely accessible through agents
- Received the lowest J.D. Power rating compared to the insurers we evaluated ✘
Do You Need Mobile Home Insurance In Tennessee?
We recommend mobile home insurance in Tennessee for various reasons. First, if you’re purchasing your mobile home with a mortgage, your lender will likely require it.
Additionally, all homes in Tennessee face risks from severe weather conditions like thunderstorms, hail storms, tornadoes, and hurricanes.
Lastly, it’s a good idea to verify with your mobile home park or community if insurance is mandatory for residents.
What Does Mobile Home Insurance Cover?
The coverage provided by most mobile home insurance policies generally includes the following components:
Dwelling Coverage
This part of your policy covers the repair or replacement of your mobile home’s structure if it’s damaged by events listed in your policy, up to a limit you select. You’ll also choose a deductible, which is the amount you pay before the insurer contributes to an approved claim.
Commonly 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 part of your policy covers the repair of a shed, fence, or other structure not attached to your mobile home if it’s damaged by a covered event.
Personal Property Coverage
It also pays for replacing or repairing electronics, furniture, and other belongings if they’re damaged or stolen.
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.
What Does Mobile Home Insurance In Tennessee Not Cover?
Insurance policies have their limitations. Mobile home insurance in Tennessee usually doesn’t cover certain types of damage.
Flooding
For example, flood damage isn’t covered, so if you live in an area prone to floods, it’s advisable to get separate flood insurance.
Earthquakes
While earthquakes are uncommon in Tennessee, mobile home insurance doesn’t include protection against earth movement.
Wear and tear
Additionally, insurance doesn’t pay for normal wear and tear.
Insect or animal infestation
Insurers typically don’t cover pest prevention expenses because it’s considered part of homeowners’ regular maintenance duties.
Damage associated with the use of your mobile home for business purposes
If you run a business from your mobile home, you may require a commercial policy.
Average Cost Of Home Insurance In Tennessee
Despite insurers not listing prices on their websites, we estimate that mobile home insurance in Tennessee generally ranges from $40 to $125 per month.
This cost varies based on factors such as coverage limits, deductible, selected options, and other elements outlined below.
Numerous factors impact the cost of your insurance policy in Tennessee, 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 mobile home insurance companies we’ve reviewed offers different types of discounts to insurance policyholders, such as the option to bundle your coverage with auto insurance.
Largest Mobile Home Insurance Companies In Tennessee
| Provider | Market share |
| State Farm | 19% |
| Allstate | 6% |
| Amica | 4% |
How To Buy Mobile Home Insurance Online In Tennessee
These steps ensure a smooth and speedy experience when buying mobile home insurance online.
- Determine the necessary protection by adding up the value of your mobile home’s contents and the dwelling. This will allow you to establish the property damage limits needed to replace your home and valuables.
- Obtain an online quote. The majority of companies that provide mobile home insurance in Tennessee allow you to request a quote online. Some websites also offer coverage and cost comparisons, making it easier to shop for coverage online.
- Finish the application process. After determining the coverage amount that fits your budget, complete an application for coverage. While many insurers allow online applications, some may require you to meet with an agent to complete the process.
Unique Considerations For Mobile Home Insurance In Tennessee
Similar to Florida, Tennessee experiences various types of severe weather, including:
- Wildfires
- Damaging winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical storms
- Hail
- Flood damage
Accordingly, we suggest that every mobile home owner in Tennessee has sufficient coverage.
How To Find Cheap Mobile Home Insurance In Tennessee
When searching for cheap mobile home insurance in Tennessee, get quotes from at least three insurance companies. Prices for basic coverage and options may differ, so ask about discounts.
Avoid selecting based solely on price; ensure you have the right coverage limits and compare quotes carefully.
Our Methodology
Our "Best For" list and overall rating were determined by examining each insurer's standard and optional coverage offerings, online reviews, financial stability, and customer satisfaction scores. Pricing details were not accessible online for any of the insurers we studied.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Is mobile home insurance more expensive in Tennessee?
In Tennessee, mobile home insurance is generally priced comparably to its 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 Tennessee?
Your mortgage company may require insurance on your mobile home, but it’s not mandated by state law in Tennessee. However, we highly recommend having mobile home insurance, with or without a mortgage.
How are mobile home insurance rates determined?
Mobile home insurance rates are affected by factors like your location, coverage limits, deductible, and any discounts that apply.
