The Top 20 Manufactured Home Insurance Providers In The USA, UK And Canada

Mobile homes are different from conventional site-built homes. Insurance coverage is normally different as well.

What Does Manufactured Home Insurance Cover Entail?

Insurance coverage for manufactured and mobile homes is normally similar to the standard homeowners’ policy, providing coverage for your home, personal property, and some liability claims.

The 2 basic coverages often included in manufactured home insurance policies take care of personal liability and physical damage.

1. Physical structures and content

If your manufactured home or the contents inside them sustain physical damages from such perils as fire, hail, vandalism, and theft, the costs of replacement or repairs are typically covered by your mobile home policy.

Extra structures on the lot, such as the garage or a patio, and your additional personal belongings would likely be covered as well.

However, some policies are more particular, only covering specific causes of loss or damage.

These “specific/named perils” policies typically have lower premiums than other types of policies, but be certain to check with the agent so that you’re fully aware of what isn’t included in the policy you’re buying.

2. Liability

It is almost standard for manufactured home policies to include liability coverage.

This coverage can help protect the buyer (within the outlined policy limits) if the buyer or someone else in the household is found to be liable for damages to a third party’s property or if the guest sustains some injuries at the covered home.

It is important to note that liability coverage generally doesn’t cover injuries to the buyer or another resident member of the household.

So, if you burn your hands or slip on your stairs, you likely will not be reimbursed for your medical expenses.

However, if your children accidentally break your neighbor’s window while playing ball, your policy will most likely cover all the cost of replacement or repair.

Does Manufactured Home Insurance Cover For Water Leaks?

Manufactured home insurance cover may cater for water leaks in some situations.

For instance, in the event frozen pipe bursts suddenly, insurance may assist in paying for repairs to the manufactured home and/or its contents.

However, you will likely realize that your policy doesn’t cover damages produced by water leaks or burst pipes if they are resulted from negligence or failure to conduct due maintenance work.

For example, if your manufactured home is unoccupied and heat isn’t appropriately maintained, causing burst pipes, or you fail to do a repair on a leaky pipe.

Manufactured home insurance would probably not offer coverage for damages emerging from those situations.

Most manufactured home insurance doesn’t include coverage for floods. You may be allowed to buy a separate insurance policy for flooding via the NFIP (National Flood Insurance Program) (In the United States only)

Other Factors Worth Considerations

The insurance coverage limits on a manufactured home policy are normally based on the replacement cost, stated amount, or actual cash value (which means there’s a maximum amount you will get if your house is destroyed).

We’d suggest that you review the Agreed Value Policy (also referred to as Stated Amount Policy) annually, for you may change your mind or want to make adjustments to the policy based on the current value of your home.

Also, most standard manufactured home insurance policies does not provide coverage while your house is in transit.

Another thing – when contacting the agent about manufactured home insurance (some insurance companies may not offer it), remember to inquire if discounts are available.

It is always a good idea to buy all your different policies from one insurance company.

If you already have several coverages, say, life or auto with the insurer, you may likely be eligible for multi-policy discounts.

Also, you may want to inquire whether a few optional coverages are on offer, which may be also recommended based on your residential area or to make expansion on your existing coverage.

The Top Ten Manufactured Home Insurance Providers in The United States

1. Allstate Insurance

At Allstate, standard coverage in a mobile or manufactured home policy includes: dwelling coverage, personal property, guest medical protection, and liability protection.

Location: Northfield Township, Illinois, United States

Mailing Address: N/A, via agent

Tel: 1-800-ALLSTATE (1-800-255-7828)


Fax: N/A

Email: N/A, via agent

County: Cook County

2. American Family Insurance

AmFam Insurance is a little elaborate when it comes to manufactured home coverage.

Their policy includes matching siding endorsement (repairing a damaged part with an exact matching spare part), structure coverage, trip collision coverage (covers against damages sustained during transportation of your mobile home), and coverage for concealed water damage (meant for not just any water damage but those that sneaks up and cause devastating damages).

Location: Madison, Wisconsin, United States

Mailing Address: 6000 American Parkway, Madison, WI 53783


Tel: 1-800-MYAMFAM (1-800-692-6326)

Fax: N/A

Email: N/A

County: Dane County

3. American Modern Insurance

AMIG has been providing coverage for manufactured homes for over 50 years.

Today, their manufactured home policy entails four parts: comprehensive protection (covers for any type of peril that leads to loss of property unless you exclude a specific peril), stated value loss settlement (aimed at covering total loss of the listed value of your home), liability, and personal property.

Location: Cincinnati, Ohio, United States

Mailing Address: American Modern Insurance Group, PO Box 5323, Cincinnati, Ohio 45201-5323


Tel: 800-545-2644

Fax: 513-947-4040


County: Hamilton County

4. Assurant Insurance

Assurant Insurance is a manufactured home insurance partner for Liberty Mutual, Progressive, and GEICO, Progressive.

Notably, Assurant Insurance offers online quoting for manufactured home insurance policies. Also unique for incorporating flood insurance coverage in their manufactured home policies.

Assurance Insurance offers a range of insurance products designed to safeguard pre-owned and new manufactured homes across the United States.

The policies are flexible and include such coverages as adjacent structure coverage, protection for a variety of liabilities, and transportation coverage.

Location: Scottsdale, Arizona, United States

Mailing Address: 8655 E Via de Ventura Suite E175, Scottsdale, AZ 85258


Tel: 1-800-480-0167

Fax: N/A

Email: N/A

County: Maricopa County

5. FOREMOST Insurance Group

FOREMOST Insurance Group is unofficially ranked 10th best mobile home insurance in the United States. Their manufactured home insurance policy entails four areas: optional replacement cost coverage (will replace the damaged property with new items of comparable quality and material, without any deductions for depreciation), agreed loss settlement, liability coverage, and comprehensive coverage.

The best thing about this company is that their mobile home coverage is accompanied by a bunch of other “extras” that you could find useful, such items as debris removal and fire department service.

Location: Caledonia, Missouri, United States

Mailing Address: 5600 Beechtree Ln SE, Caledonia MI 49316 United States


Tel: +1 800-315-1122 / +1 800-527-3905

Fax: N/A

Email: N/A

County: Kent County

6. USAA Insurance

USAA Insurance is one of the leading insurance companies in the United States with elaborate policies covering both mobile and RV homes.

If you are worried about fire, vandalism, or windstorm tearing down your home, one of the most recommendable insurance would be USAA.

You can cover your home (ask them to pay for vandalism and accidental damage on your home), your belongings (replacing household goods and belongings), and yourself (buy personal liability policy and protect yourself from lawsuits).

Location: San Antonio, Texas, United States

Mailing Address: USAA, 9800 Fredericksburg Rd., San Antonio, TX 78288


Tel: Shortcut: #USAA (87200), Main: 210-531-USAA (8722), 800-531-USAA (8722)

Fax: N/A

Email: N/A

County: Bexar County

7. State Farm Insurance

State Farm Manufactured Home Policy is one of the most diverse of the top insurance providers in the country.

The most basic part of the policy provides coverage for:

  • dwelling coverage (covers for repair and replacement of parts of the home)
  • personal property coverage
  • loss of use coverage (in the event a covered loss makes the home uninhabitable
  • additional loving expense
  • fair rental value (will pay for lost rental income when the house is rented or held for rental)
  • medical payments coverage (will pay for medical bills for people injured in the insured home).

Location: Bloomington, Illinois, United States

Mailing Address: State Farm Insurance Companies, Insurance Support Center – East, P.O. Box 588002, North Metro, GA 30029


Tel: 800-STATE-FARM (800-782-8332)

Fax: N/A

Email: N/A

County: McLean County

8. Progressive Insurance

If you are a new homeowner, we’d recommend PROGRESSIVE Insurance to you.

Founded in the 1930s, it is one of the biggest insurance companies in the United States. Progressive offers competitive discounts geared specifically targeting new homeowners.

Also, they have made it easier to receive a quote online and offer perks like contractor connection networks.

Their mobile home insurance policy consists of these standard coverages: dwelling, belongings, liability, and loss of use.

Location: Mayfield Village, Ohio, United States

Mailing Address: The Progressive Corporation, 6300 Wilson Mills Rd., Mayfield Village, Ohio 44143


Tel: +1-833-860-1308 / +1-855-347-3939

Fax: N/A

Email: N/A

County: Cuyahoga

9. Geico Insurance

GEICO Insurance is one of the most reputable insurance companies in the United States.

Their manufactured home policy covers fire, windstorm, falling objects, explosion, visitor injuries, and lightning.

The items covered range from household properties like electronics and appliances to sheds attached to the home, as well as clothing and furniture.

Location: Chevy Chase, Maryland, United States

Mailing Address: GEICO Blvd, Fredericksburg VA, 22412.

Its CA license number is 0B2935


Tel: +1 800-841-2964.

Fax: N/A

Email: N/A

County: Montgomery County

10. MetLife Insurance

MetLife is one of the oldest insurance firms in the United States and offers a wide variety of manufactured home coverage plans under its elaborate mobile home insurance policy.

Most of the coverages are typical, including liability coverage for lawsuits emerging from mishaps, coverages for the full cost to rebuild the home, and content replacement.

Location: New York, New York, United States

Mailing Address: MetLife Auto & Home, Lockbox 41753 400, White Clay Center Drive Newark, DE 19711


Tel: +1 844-887-1795

Fax: N/A

Email: N/A

County: N/A

The Top Five Manufactured Home Insurance Providers in Canada


Are you looking for a trustworthy insurer to provide cover for RV or manufactured home in Canada?

You may want to try out SGI CANADA, one of the largest mobile home insurers in the country.

With this company, you can insurer the home, your yard (protect your outdoor trees, shrubs, plants, lawns, and other plants), your belongings in the home, replacement cost for homes made in 1995 or later, and liabilities arising from visitors injuries in your home or damages inflicted by your home on other people’s property during transportation.

Location: Regina, Canada

Mailing Address: Suite 201, 6104 – 104 St. N.W., Edmonton, AB T6H 2K7


Tel: +1-877-435-1484 / 780-822-1228

Fax: 780-435-1489



Being one of the top insurers in Canada, the company offers home insurance, cover for mobile homes, and other areas such as automobile and health. Their mobile home policy entails personal property, building, personal liability, water shield protection, and extra living expenses (like detached garages and sheds).

Location: IIderton, Ontario

Mailing Address: 15 Meredith Dr., PO Box 100, Ilderton, ON N0M 2A0, CANADA


Tel: 1-800-851-4045 / 519-666-0075

Fax: 519-666-0079

Email: N/A

3. AVIVA Canada

AVIDA has been offering coverage for mobile homes since 1999.

One remarkable part of their insurance policy for mobile homes is coverage for earthquakes, which is seldom included in a typical home insurance home policy – so, that’s a thumbs up.

Other parts of their mobile home insurance policy include water protection, home protection bundle (prevent+fix+assist), and guaranteed replacement cost for new homes .

Location: Makham, Ontario

Mailing Address: 10 Aviva Way, Suite 100 Markham ON L6G 0G1


Tel: 1-800-387-4518 / 1-800-855-0511

Fax: N/A

Email: N/A

4. Guardian Risk Managers

Guardian Risk Managers offers manufactured home insurance cover that includes standard and comprehensive homeowner coverage as well as competitive rates for both mobile and manufactured homes.

This includes both unregistered and registered models.

Coverage is available for renters, landlords, owner-occupied, and seasonal residences.

The policy applies differently depending on the age of your home. Mobile homes aged 10 years or less fall in All Risk coverage that entails Guaranteed Replacement Cost on the home and replacement costs on content.

Those aged over 10 years may still qualify for the All Risk policy but it’s not guaranteed.

Location: Surrey. British Columbia, Canada

Mailing Address: Guardian Risk Managers Ltd., #205-15252 32 Avenue, Surrey, BC V3Z 0R7


Tel: 604-522-8870 / 1-866-683-8870

Fax: 604-522-8891

Email: N/A

5. SquareOne Insurance Services

Square One Insurance Services is an all-around Canadian insurer dealing in home, auto, and health insurance.

Their insurance policy for manufactured homes is part of their larger home insurance plan.

They also run a digital plan that eases the way buyers access insurance products and make claims.

Location: Vancouver, British Columbia, Canada

Mailing Address: Square One Insurance Services 650 West Georgia Street, Suite 1410 Vancouver, British Columbia V6B 4N8


Tel: +1-855-331-6933

Fax: +1-855-331-6935

Email: N/A

The Top Five Manufactured Home Insurance Providers in the UK

1. AA Insurance

In the UK, AA Insurance is synonymous with automobile insurance, but the company has evolved over the years to diversify their insurance products and include new areas such as home coverage. If you are looking for an insurer with a long history in insurance (founded in 1905), then you might want to try out AA insurance.

Location: Birmingham, West Midlands, United Kingdom

Mailing Address: N/A


Tel: +44 333 777 7334 / 0333 777 7334

Fax: N/A

Email: N/A

2. Allianz Insurance

Allianz is a leading insurer in Europe with a presence in Austria, Germany, and the UK. They can be an excellent insurance insurer if you are planning to cover your home anywhere in the United Kingdom.

Location: Guildford, United Kingdom

Mailing Address: 60 Gracechurch Street London, EC3V 0HR United Kingdom


Tel: +44 20 3451 3000. +44 20 7488 0509

Fax: N/A

Email: N/A

3. Barclay Insurance

Barclay Insurance is part of the larger Barclay banking group. Being part of one of the UK’s largest banks, you stand to benefit immensely from their expansive networks and services.

Location: Leicester, United Kingdom

Mailing Address: Barclays Group, Leicester, LE87 2BB.


Tel: 0800 9012022 / +800 800 88885 /  0800 9012022

Fax: N/A

Email: N/A

Branch Locater:

4. AVIVA Insurance Plc

AVIVA Insurance Plc is part of the AVIVA group of companies with a presence in Canada. They are one of the reputable home insurance providers both in Canada and the larger United Kingdom.

Location: Undershaft, London, UK

Mailing Address: St Helen’s 1 Undershaft London, EC3P 3DQ United Kingdom


Tel +44 (0)20 7283 2000

Fax: N/A

Email: N/A

5. Esure Insurance

Esure is one of the leading insurance providers in the UK with a vast network of branches across the kingdom.

The company boasts over 300,000 customers in the home insurance segment alone, covering both site-built and mobile homes.

Location: Glasgow, United Kingdom

Mailing Address: N/A


Tel: 0345 600 3950

Fax: N/A

Email: N/A

NOTE: Insurance companies may offer different policies across different states. The best thing to do, therefore, is to consult the local agent of your favorite company regarding the products available in your area.