Best Mobile Home Insurance In Oregon For 2024
Foremost is the top-rated provider for mobile home insurance in Oregon, in my opinion as a licensed insurance agent for over 10 years.
We’ve saved shoppers an average of $450 per year on their home insurance.
To secure the best mobile home insurance, it’s important to factor in both the coverage features and the price tag.
After comparing multiple companies, I chose Foremost as the best overall option for mobile home protection. With my decade of experience as a licensed agent, I’ll guide you through the process to help you find a policy that fits your needs.
Best Mobile Home Insurance In Oregon, 2024
Each company we reviewed stands out for unique perks and policy details that could fit your individual needs. It’s essential to remember that the best policy for you might not be the same as what’s suitable for a neighbor living just a mile away.
Below is a look at the companies we selected, along with a brief summary of essential criteria:
Compare The Best Mobile Home Insurance In Oregon
Now that we’ve covered the category leaders, let's present a side-by-side comparison to explore how they differ:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Rating /1000 | Get A Quote | |
|---|---|---|---|---|---|---|
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
Best Mobile Home Insurance Companies In Oregon
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a Farmers-owned company, provides the usual mobile home insurance options, but its main distinguishing factor is the “extended replacement cost” coverage.
This replacement cost coverage is noteworthy because it can provide reimbursement up to 20% above the policy limit if your mobile home is completely lost.
Foremost’s impressive J.D. Power rating of 868/1,000 sets it apart, making it the top performer in customer satisfaction among all the insurers we analyzed.
It’s worth noting that Foremost doesn’t provide quotes instantly through its website. You’ll receive a quote by email within 24 hours after submitting the form.
With more than 38,000 agents, Foremost is among the largest mobile home insurance providers in the U.S.
Benefits & Drawbacks
⇅- Accepts individuals with credit difficulties
- Endorsed by AARP, offering discounts for members
- Provides coverage for older mobile homes
- Offers additional coverage options like debris removal and food spoilage protection ✓
- No online application process available
- Quotes may take up to 24 hours for processing ✘
Runner-Up for Best Overall
Key Statistics
Why We Like Them
⇅Progressive is a top choice thanks to its discounts for new homeowners, strong financial standing, and excellent customer satisfaction. The website is easy to navigate and offers instant quotes.
Additionally, policyholders enjoy an enhanced digital experience through the availability of a mobile app.
Unique to Progressive, the “single deductible” feature allows you to combine your mobile home and auto insurance policies. This way, any claims will be subject to just one deductible, unlike separate deductibles with other insurers.
If a hailstorm damages both your car and mobile home’s roof, and you have a $500 deductible on each, you’ll only need to cover one deductible, and both repairs will be handled.
Additionally, Progressive offers a bundle discount when you combine mobile home and auto insurance coverage.
With Progressive, you can opt for “trip collision,” a valuable feature that protects your home and personal belongings while they’re being moved from one place to another.
Benefits & Drawbacks
⇅- Convenient mobile app for managing policies
- Offers optional replacement cost coverage
- Discounts specifically for new homeowners ✓
- Consumer reviews are less favorable compared to other insurers
- Third-party companies underwrite some policies ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate ensures complete coverage for its customers while offering retirees aged 55 and up, and original mobile or manufactured home titleholders, a discount to make policies more affordable. A bundle discount, common among insurers, is also available.
Allstate mobile home insurance stands out with its unique “mine subsidence” coverage, something we didn’t find with other insurers. This coverage protects your home from damage caused by land shifts due to mining activities. Additionally, Allstate includes protection for any damage to satellite dish antennas.
Allstate offers a standard mobile home policy that matches other insurers in providing actual cash value or replacement cost for your home and personal belongings. It also covers liability and medical protection for guests, with options for extra coverage like water backup, green improvements reimbursement, and electronic data recovery.
Benefits & Drawbacks
⇅- Many appealing optional coverages are offered.
- A mobile app allows for easy policy management.
- Special discounts are available for retirees and original titleholders. ✓
- Customer satisfaction may differ based on local agents.
- Instant quotes are not available online. ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Since 1949, American Modern has been a pioneer in the mobile home insurance industry, offering specialized coverage for vacant or seasonal homes, a feature that differentiates it from the other insurers we evaluated.
It’s worth noting that American Modern doesn’t offer replacement cost coverage for a total loss, settling instead at the stated value with no depreciation. For partial losses, they base compensation on actual cash value but provide an option to upgrade to replacement cost coverage.
Benefits & Drawbacks
⇅- Provides a mobile app for easy claims reporting and tracking
- Brings decades of experience in the mobile home insurance industry ✓
- Lacks certain discounts that can be found with other providers
- Requires agent assistance for quotes, as online quotes aren’t available ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Benefits & Drawbacks
⇅- Replacement cost coverage for your home and belongings is a standard offering.
- The standard insurance policy includes coverage for floods and earthquakes. ✓
- For quotes, you need to call a toll-free number during the hours of 7 AM to 7 PM, as online quotes are not provided.
- A mobile app for convenience is not available. ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅While it might not be as famous as its larger competitors, American Family is still listed among the top eight home insurers in the U.S. based on market share. This insurer is noted for its diverse range of discounts, which provide multiple opportunities to cut your monthly premium.
Several ways exist to qualify for discounts with American Family, including:
- Equipping your home with smart devices such as Ring or Nest.
- Owning a newer home acquired within the last three years.
- Bundling your mobile home and auto insurance together.
- Utilizing autopay, full pay, and paperless billing features to save on your premiums.
An important aspect of American Family’s coverage is its diminishing deductible feature. The day you get your policy, your deductible is cut by $100, reducing a $1,000 deductible to $900. Each year upon renewal, the deductible will continue to decrease until it reaches the maximum allowed amount.
Benefits & Drawbacks
⇅- Offers a mobile app to help you track your claims' progress.
- Presents a variety of additional coverage options.
- Features a diverse array of ways to qualify for discounts. ✓
- Some reports suggest that claims processing could be slower. ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers offers mobile home insurance policies in Oregon that can be customized according to your individual requirements. With a large network of agents statewide, they are prepared to assist you in selecting the right coverage, deductible, and endorsements tailored just for you.
Among the endorsements provided by Farmers are options for green-home improvements that allow you to upgrade your appliances and systems to energy-efficient models following a claim. You can also choose replacement cost coverage for added personal protection, along with coverage for identity theft.
Farmers offers various discounts for policyholders, such as incentives for having a home security system, being a non-smoker, opting for paperless billing, maintaining a claims-free history, and bundling multiple policies like car or life insurance with Farmers.
Benefits & Drawbacks
⇅- Covers the replacement of personal property even if it is lost or stolen while you are away.
- Claim forgiveness ensures that your rates won’t go up after five years of claim-free history. ✓
- Quotes can only be obtained through agents; there is no online quoting option available.
- Ranked the lowest by J.D. Power among the insurers we analyzed. ✘
How To Find The Best Mobile Home Insurance Company For You
Adhere to these tips to find the best mobile home insurance and the right provider for you:
- Start by selecting three or more companies from our review list and ask for quotes. Comparing multiple quotes will provide key insights into mobile home insurance and ensure you secure affordable coverage.
- Evaluate the types of risks you want your policy to address. Fire coverage is standard, but if you’re near water or mountains, you may face flooding risks, which could necessitate a separate flood insurance policy.
- Determine the value of your valuable or distinctive possessions. By totaling this with the value of your other belongings, you can set accurate policy limits to avoid both over-insuring and overspending.
- Include any recent renovations, upgrades, or significant modifications that could influence your mobile home’s value when requesting a quote.
Before or after requesting quotes, be sure to photograph and document serial numbers of your valuable items, appliances, and belongings for insurance. Keep these records safe in a fire-resistant container or secure location to assist in claims.
Find Mobile Home Insurance In Oregon
Do You Need Mobile Home Insurance In Oregon?
Be sure to acquire mobile home insurance, if you live in Oregon. If you’re thinking of financing your mobile home through a mortgage, one of the first things your lender will likely demand is insurance coverage.
Moreover, regardless of having a mortgage, homes throughout Oregon are exposed to the unpredictable risks of severe thunderstorms, which may bring destructive winds, hail, tornadoes, tropical storms, and hurricanes from the Pacific Ocean.
In conclusion, it’s a good practice to check your mobile home park or community guidelines to find out if insurance coverage is mandatory for residents.
What Does Mobile Home Insurance Cover?
A typical mobile home insurance package generally covers the following:
Dwelling Coverage
This aspect of the policy covers the cost of repairing or replacing your mobile home’s structure when it’s damaged by an event listed in your coverage, up to the limit you’ve chosen. You’ll also select a deductible, which is the portion you pay before the insurance company steps in.
The following events are usually covered
- Fire
- Lightning
- Explosions
- Vandalism
- Falling objects
- Wind and hail
- Weight of ice and snow
- Damage from wild or stray animals
- Burst pipes
Personal Property Coverage
This provision helps with the repair or replacement of electronics, furniture, and other possessions if they’re stolen or damaged.
Liability Insurance
This coverage handles claims if a visitor sustains injuries and files a lawsuit, or if you accidentally damage someone’s property. It often covers the associated legal fees.
Coverage for Other Structures
This feature provides coverage for repair costs of unattached structures, such as sheds or fences, if an event in your policy causes damage.
What Does Mobile Home Insurance In Oregon Not Cover?
Mobile home insurance policies in Oregon often exclude coverage for certain types of events.
Flooding
Damage caused by flooding is normally not covered. If flooding is a risk where you live, it’s wise to obtain a separate flood insurance policy.
Wear and Tear
Insurance policies are designed to cover sudden damage from accidents, not the everyday wear and tear that occurs as items age.
Earthquakes
Earthquakes aren’t frequent in Oregon, but standard mobile home insurance policies exclude coverage for “earth movement” due to seismic activity.
Business-Related Damage
Damages related to business use of your mobile home may not be covered by a typical policy. You could need a commercial policy that suits your business activities.
Insect or Animal Infestation
Insurers generally don’t cover damage from pest infestations, expecting homeowners to address pest prevention as part of regular care.
Average Cost Of Home Insurance In Oregon
While the insurers we reviewed don’t provide pricing on their websites, our estimate suggests that mobile home insurance in Oregon ranges from $40 to $125 per month, with the cost varying based on your coverage limits, deductible, and the options you choose, as outlined below.
Different aspects contribute to the overall pricing of your mobile home insurance policy in Oregon:
- Location (ZIP Code): Your insurance premiums depend in part on the location of your home.
- Coverage Limits: Higher coverage limits will lead to higher insurance premiums.
- Deductible: The deductible you select will have a direct impact on the cost of your policy.
- Home Age: The age of your mobile home plays a significant role in setting your rates.
- Replacement Cost: The cost to replace your mobile home influences your insurance premium.
- Claims History: Filing multiple claims in the past may result in higher insurance rates.
The insurers we evaluated all provide various discounts for mobile home insurance, such as bundling your policy with auto insurance.
How To Buy Mobile Home Insurance Online In Oregon
To make purchasing mobile home insurance online more convenient, try following these steps:
Assess Your Coverage Needs
Decide on the amount of protection you require. Consider the value of your home and belongings to set suitable property damage limits.
Obtain Online Quotes
Many companies in Oregon offer mobile home insurance quotes online, and some websites feature comparison tools to help you review costs and coverage easily.
Submit Your Application
After deciding on coverage and a budget-friendly price, move forward with submitting your application. Many companies allow online submission, but some may still request an in-person meeting to complete the process.
Largest Manufactured Home Insurance Companies In Oregon
| Provider | Market share |
| Foremost | 4.1% |
| Assurant | 1.7% |
| American Modern | 2.3% |
| American Family | 4.4% |
| Allstate | 8.77% |
| Progressive | 1.8% |
| State Farm | 8.34% |
Unique Considerations For Mobile Home Insurance In Oregon
Oregon, much like any other coastal state, is exposed to various severe weather conditions, such as:
- Wildfires
- Damaging Winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical Storms
- Hail
- Flood Damage
Given these risks, we encourage mobile home owners in Oregon to make sure they have sufficient coverage.
How To Find Cheap Mobile Home Insurance In Oregon
If you’re seeking affordable mobile home insurance in Oregon, consider getting quotes from at least three insurance companies. Rates can fluctuate between providers for both standard and extra coverage, so inquire about discounts as well.
Nevertheless, we advise against selecting an insurer just because of their pricing. It’s important to ensure your policy offers the right coverage limits and to compare quotes equitably.
Our Methodology
In creating our "Best For" selection and overall rating, we considered the standard and optional coverages each insurer provides, along with their online reviews, financial stability, and ratings for customer satisfaction. Importantly, none of the insurers we looked at have pricing information available on their websites.
Quotes Analyzed
Research Hours
Brands Reviewed
Years Of Experience
FAQs
Is mobile home insurance more expensive in Oregon?
Mobile home insurance in Oregon is in line with most other states across the country.
Do you need mobile home insurance in Oregon?
While it’s likely that your mortgage lender will require insurance for your mobile home, this is not a requirement under state law. Still, we highly recommend having mobile home insurance, whether or not you have a mortgage.
How are mobile home insurance rates determined?
The rates for mobile home insurance are influenced by several factors, including where you live, the coverage limits you choose, your deductible, and any discounts available to you.
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