These are the top 5 insurance companies for older manufactured homes: Foremost, American Modern, Assurant, Allstate, and American Family. Some carriers refuse older mobile homes or charge high rates, so we compare who still writes policies, what each offers, and how to lower your premium before you shop.
Insurers see age as risk. For insurance purposes, homes built before the 1976 federal standards are called mobile homes, and because they were built without those regulations, they are seen as high risk. The result: some insurance companies do not cover them, and those that do often charge high rates. lendingtreelendingtree
Standard homeowners coverage won’t help either. Manufactured homes typically need a specialized HO-7 policy, because standard homeowners insurance usually won’t cover them. And age is not the only factor. Homes that are 20 to 30 years old or more can still be insured, but options narrow and premiums may be higher, with placement and condition mattering most. joingeraldjoingerald
The good news is that a handful of specialists focus on this market. Here are five worth getting quotes from.
Foremost is the name that comes up first. It is part of the Farmers Insurance Group and says it was the first company to insure mobile homes. It was founded in 1952 and covers both mobile and manufactured homes regardless of age. One review calls it usually the first stop worth making if you own an older home and have struggled to find coverage elsewhere. What are the best manufactured home insurance companies? +2
Why it stands out:
Watch out for: Coverage is not available in Hawaii. Also, any older-home policy is subject to individual underwriting. lendingtree
American Modern has sold insurance for mobile and manufactured homes since 1965. It offers coverage to homes of all ages and has carved out a niche covering homes other insurers decline, such as older mobile homes, vacation units, and properties with non-standard features. The Best Mobile Home Insurance Companies (2024) +2
If another company has turned you down, this is a smart second stop. One review says it is more willing to work with older homes than most carriers. It also shows up often in lists for strong financial strength, with one comparison giving it the best financial strength rating, A+. joingeraldinsurance
Best for: Pre-1976 homes, seasonal or vacation homes, and homes that other carriers declined.
Assurant is a Fortune 500 company that covers both mobile and manufactured homes. One review highlights its strong focus on park-placed and leased-land mobile homes. If your home sits in a manufactured home community, this matters. lendingtreejoingerald
It also aims for convenience. It offers online manufactured home quotes, and its coverage includes perils other mobile home insurers may not offer, such as earthquakes or floods. Check the exact terms, since coverage options vary by state and policy. insurance
Best for: Owners in communities who want an easy online quote process.
Many big insurers sell mobile home coverage through partners. Allstate is different. It is one of the few major insurance companies that underwrites its own mobile and manufactured home insurance, so you aren’t passed off to a partner company. It also insures older mobile homes. valuepenguinvaluepenguin
That can simplify claims, because you deal with one company. It also makes bundling easier if you already have auto insurance with Allstate. As the same guide notes, bundling your auto and mobile home insurance is one way to save. valuepenguin
Best for: People who want a familiar national brand and a single company handling their policy.
American Family is more limited geographically. It only underwrites manufactured homes in 19 states, so check availability first. But where it operates, it offers unique endorsements such as matching siding, which can help if a storm damages part of your exterior and you want repairs to look consistent. One review also lists it as best for Midwest and Mountain West owners. What are the best manufactured home insurance companies? +2
Best for: Owners in its service states who want more customization.
State Farm is also widely mentioned. It offers manufactured home model year discounts and savings for bundling with auto, home, motorhome and off-road vehicle insurance. Progressive does not underwrite these policies directly, but works with partner companies, and its comparison platform can help you shop. In high-risk states such as Florida, one review points to Kin Insurance as an option. insurancejoingerald
This list is based on how often these carriers appear as top picks across published comparisons and on their stated willingness to cover older homes. It’s not a guarantee of approval or a prediction of your price. Availability, underwriting rules, and rates vary by state, ZIP code, and your home’s condition. The cost of manufactured home insurance can vary widely by ZIP code. insurance
Insuring an older manufactured home takes more effort than insuring a new one, but coverage exists. Start with Foremost and American Modern, add Assurant, Allstate, and American Family to your quote list, and compare coverage details, not just price. A few hours of shopping now can save you hundreds of dollars a year and protect your home when it matters most.