Best Mobile Home Insurance In Virginia July, 2024
When considering mobile home insurance in Virginia, Foremost is unmatched for its dependable service and competitive rates.
We’ve saved shoppers an average of $450 per year on their home insurance.
Mobile homes, or manufactured homes, require specialized insurance coverage due to their vulnerability to windstorms, hail, and water damage. This can pose challenges in obtaining insurance in Virginia.
Finding the best mobile home insurance policy involves weighing factors such as coverage features and cost. To simplify your search, we’ve highlighted the top-rated companies, with Foremost chosen as the “Best Overall” for mobile home insurance.
Best Mobile Home Insurance Companies In Virginia 2024
Every company we've evaluated has made our list because they offer specific advantages and policy features that may meet your needs. The policy that suits you might not be the same as the one that suits someone else living in a nearby mobile home.
Here's a summary of the shortlisted companies and key criteria:
Compare The Best Mobile Home Insurance in Virginia
Here's a side-by-side comparison of our category winners, giving you a more detailed view after the snapshot.
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Cust. Satisf. Rating | Get A Quote | |
|---|---|---|---|---|---|---|
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant 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 |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
Best Mobile home insurance companies In Virginia
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers offers customizable mobile home insurance policies in Virginia, giving you the flexibility to adjust coverage as needed. Their agents throughout the state can assist you in selecting the appropriate coverage, deductible, and endorsements.
Farmers’ endorsements offer green-home improvements, enabling you to upgrade appliances and systems to energy-efficient models following a claim. You can also sign up for replacement cost coverage for added personal protection and identity theft coverage.
Policyholders with Farmers can receive discounts for having a home security system, being non-smokers, opting for paperless billing, having a claims-free history, and bundling multiple policies with Farmers’ car or life insurance.
Benefits & Drawbacks
⇅- Claim forgiveness keeps your rates steady after five continuous years without claims
- Covers the replacement of lost or stolen personal property, even during travel ✓
- You can only get quotes by reaching out to an agent
- Had the lowest J.D. Power score in our insurer review ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive is appealing for its discounts for new homeowners, strong financial stability, and high customer satisfaction ratings.
Their website is user-friendly, offering instant quotes, and they have a mobile app.
One of Progressive’s unique features is its “single deductible” benefit, where bundling your mobile home and auto insurance means any claim applies to both policies with just one deductible.
For instance, 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 provide an endorsement for “trip collision” coverage during relocation.
Benefits & Drawbacks
⇅- Offers replacement cost coverage options
- Provides discounts specifically for new homeowners
- Features a mobile app for convenient access ✓
- Consumer ratings are not as favorable as those of many other mobile home insurers
- Some policies are underwritten by third-party companies ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅While typical mobile home insurance policies don’t cover floods, hurricanes, earthquakes, landslides, and mudslides, Assurant offers protection for these disasters to its policyholders.
Assurant’s All Risk coverage protects against sudden and accidental events that result in direct loss or damage to your mobile home, minus certain exclusions. Furthermore, its dwelling and personal property replacement cost coverage replaces your home and possessions with new items of similar quality, without any depreciation deduction.
Assurant covers adjacent structures on your property, such as sheds, fences, or standalone garages. It also covers additional living expenses if your home cannot be lived in due to a covered loss.
Benefits & Drawbacks
⇅- Standard coverage encompasses flood and earthquake protection
- Replacement cost coverage for home and property is standard ✓
- Online quotes are not available; customers must call the toll-free number within specified hours
- There is no mobile app for managing policies ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅While American Family might not have the same level of visibility as some competitors, it’s still a major player in the U.S. home insurance market, ranking among the top eight insurers. They offer discounts to help policyholders lower their monthly premiums.
To receive discounts with American Family:
- Combine your mobile home and auto insurance
- Install smart devices like Ring or Nest
- Live in a newer home purchased within the last three years
- Opt for the company’s autopay, full pay, and paperless billing options.
With American Family’s diminishing deductible coverage, your deductible reduces by $100 on the day you purchase your policy. For instance, if you have a $1,000 deductible, it becomes $900. Then, each year upon renewal, your deductible keeps decreasing until it reaches the policy’s maximum limit.
Benefits & Drawbacks
⇅- Numerous discount qualification opportunities available
- Mobile app enables tracking of claim status
- Offers a variety of additional coverage options ✓
- Reports indicate occasional delays in claims processing ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅American Modern, established in 1949, asserts itself as a pioneer in mobile home insurance.
They specialize in providing coverage for vacant or seasonal mobile homes, distinguishing themselves from other insurers we examined.
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 event of a partial loss, they pay the actual cash value, but you can choose to upgrade to a replacement cost valuation.
Benefits & Drawbacks
⇅- Features a strong mobile app for streamlined claims reporting
- Boasts decades of experience and expertise in the mobile home industry ✓
- Quotes are only available through agents; online quoting not offered
- Does not provide all discounts that some other insurers offer ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate provides comprehensive insurance for everyone, with special discounts for retirees aged 55 and older and original titleholders of mobile or manufactured homes, which can help lower policy costs.
What makes Allstate’s mobile home insurance different from others is its “mine subsidence” coverage, protecting against damage from land movement caused by man-made mines. It also offers property protection for satellite dish antennas.
Allstate’s basic mobile home insurance is similar to what competitors offer, with features like actual cash or replacement cost coverage for the mobile home and personal belongings, liability protection, and guest medical coverage. Optional extras include protection against water backup, reimbursement for eco-friendly improvements post-loss, and electronic data recovery.
Benefits & Drawbacks
⇅- Discounts for retirees and original title holders
- Mobile app provided for customer convenience
- Offers excellent optional coverage selections ✓
- Customer satisfaction may vary by local agent
- Immediate online quotes are not available ✘
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a subsidiary of Farmers, offers standard and optional coverage similar to other mobile home insurers, but its standout feature is the “extended replacement cost” coverage.
This coverage provides reimbursement up to 20% above the value of your policy limit if your mobile home is completely destroyed.
Foremost is recognized for its excellent customer satisfaction, achieving a J.D. Power rating of 868/1,000, the highest among the insurers reviewed.
However, Foremost does not offer instant quotes on its website; instead, you’ll receive an email quote within 24 hours after submitting your information.
Despite this, Foremost remains one of the largest mobile insurance providers in the U.S., with over 38,000 agents representing the company.
Benefits & Drawbacks
⇅- AARP-endorsed with discounts for members
- Will insure individuals with credit difficulties
- Specializes in policies for older mobile homes
- Offers various additional coverage options, including debris removal and food spoilage ✓
- No online application available
- Quotes may take up to 24 hours to process ✘
Do You Need Mobile Home Insurance In Virginia?
Mobile home insurance is vital in Virginia for multiple reasons. If you’re financing your mobile home purchase with a mortgage, your lender will likely insist on it.
Furthermore, Virginia homes are vulnerable to severe weather, including thunderstorms, hail storms, tornadoes, and hurricanes.
It’s also prudent to check with your mobile home park or community about insurance requirements for residents.
What Does Mobile Home Insurance Cover?
Common features of a mobile home insurance policy typically encompass a variety of coverage options:
Dwelling Coverage
If your mobile home’s structure is damaged by events covered in your policy, this coverage will pay for repair or replacement costs, up to the limit you’ve chosen. You’ll also need to choose a deductible, which is the amount you must pay before the insurer starts covering the claim.
Typically 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 for repairing a shed, fence, or other structure not attached to your mobile home 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, including related legal expenses.
What does mobile home insurance in Virginia not cover?
Every insurance policy has its exclusions. In Virginia, mobile home insurance typically doesn’t cover specific types of damage.
Flooding
For example, flood damage isn’t covered, so if you live in a flood-prone area, it’s recommended to invest in separate flood insurance.
Earthquakes
While earthquakes are uncommon in Virginia, 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
Coverage for pest prevention is typically not included in insurance policies since it’s considered a homeowners responsibility for regular maintenance.
Damage associated with the use of your mobile home for business purposes
If you operate a business from your mobile home, you may need a commercial policy.
Average Cost Of Home Insurance In Virginia
While no insurers provide prices on their websites, we estimate that the monthly cost of mobile home insurance in Virginia typically falls between $40 and $125.
This price range is determined by factors such as coverage limits, deductible, selected options, and other factors detailed below.
Many factors affect the price of your mobile home insurance policy in Virginia, 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 examined provide different discounts for mobile home insurance policyholders, including the ability to bundle your coverage with auto insurance.
Largest mobile home insurance companies in Virginia
| Provider | Market share |
| Allstate | 10.3% |
| State Farm | 9.7% |
| Liberty Mutual | 6.8% |
How To Buy Mobile Home Insurance Online In Virginia
Following these steps will help you navigate the process of buying mobile home insurance online with ease and efficiency.
- Decide the appropriate protection level by totaling the value of your mobile home’s contents and the dwelling. This will help you determine the property damage limits required for replacing your home and valuables.
- Get an online quote. Most mobile home insurance companies in Virginia offer the option to obtain a quote online. Some websites also provide coverage and cost comparisons, making online shopping for insurance more convenient.
- Complete the application form. Once you’ve determined the coverage amount you need at a price you can afford, fill out an application for coverage. While many insurers offer online applications, some may require you to meet with an agent to complete the process.
Unique Considerations For Mobile Home Insurance In Virginia
Much like its neighbor to the south, Florida, Virginia is prone to a range of severe weather conditions, including:
- Wildfires
- Damaging winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical storms
- Hail
- Flood damage
Hence, it’s advisable for every mobile home-owner in Virginia to have adequate coverage.
How To Find Cheap Mobile Home Insurance In Virginia
To discover affordable mobile home insurance in Virginia, obtain quotes from at least three insurance companies. Rates for basic coverage and options can vary, so ask about discounts.
Avoid choosing based solely on price; make sure you have the right coverage limits and compare quotes accurately.
Our Methodology
To formulate our "Best For" list and overall rating, we assessed each insurer's standard and optional coverages, online reputation, financial stability, and customer satisfaction ratings. However, pricing information was not obtainable online for any of the insurers we analyzed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Is mobile home insurance more expensive in Virginia?
Generally, mobile home insurance in Virginia is priced similarly to 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 Virginia?
Although insurance on your mobile home is not mandated by state law in Virginia, your mortgage company may require it. Nonetheless, we strongly advise having mobile home insurance, regardless of whether you have a mortgage.
How are mobile home insurance rates determined?
Your mobile home insurance rates are determined by various factors, including your location, coverage limits, deductible, and discounts.
