Best Mobile Home Insurance In Oklahoma For 2024
If you’re considering mobile home insurance in Oklahoma, Foremost should be your first choice.
We’ve saved shoppers an average of $450 per year on their home insurance.
When picking the best mobile home insurance policy, factors such as coverage options and costs must be evaluated.
Having assessed various insurance providers, I’ve named Foremost the “Best Overall” for protecting your mobile home and items. With more than 10 years of licensed insurance experience, I’ll help streamline your decision, ensuring you get the policy best suited to your needs.
Best Mobile Home Insurance In Oklahoma, 2024
Every company we assessed made our list for its unique features and benefits, which may align with your circumstances. Remember, the right policy for you could be different from what’s best for someone living just a mile down the road.
Here’s a list of our selected companies and a summary of the most important factors:
Compare The Best Mobile Home Insurance In Oklahoma
With a clearer picture of our top picks, let’s move forward with a detailed comparison of their features:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Rating /1000 | Get A Quote | |
|---|---|---|---|---|---|---|
| Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
Best Mobile Home Insurance Companies In Oklahoma
Runner-Up for Best Overall
Key Statistics
Why We Like Them
⇅Progressive’s discounts for new homeowners, solid financial position, and high customer satisfaction set it apart. The website is user-friendly and allows for instant quotes.
The inclusion of a mobile app adds another layer of convenience to the digital experience for policyholders.
Progressive offers a “single deductible” benefit that none of the other mobile home insurers we reviewed provide. By bundling your auto and mobile home policies, you only pay one deductible for all claims.
For instance, if a hailstorm damages your mobile home’s roof and your car, and both policies have a $500 deductible, you only need to pay one deductible to cover both repairs.
There’s also the benefit of a bundle discount if you get both your mobile home and auto insurance through Progressive.
An extra layer of protection offered by Progressive is the “trip collision” endorsement, which covers your home and belongings in transit between locations.
Benefits & Drawbacks
⇅- Provides an option for replacement cost coverage
- New homeowner discounts available
- The mobile app makes policy management more convenient ✓
- Some policies are backed by third-party underwriters
- Consumer ratings are lower than many other insurers ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅With its establishment in 1949, American Modern became one of the first to specialize in mobile home insurance, offering unique coverage for vacant and seasonal homes, setting it apart from other insurers.
American Modern doesn’t offer replacement cost coverage for total losses, paying instead the stated value of your home without applying depreciation. However, for partial losses, they compensate based on actual cash value, with the option to upgrade to replacement cost for those claims.
Benefits & Drawbacks
⇅- Reliable mobile app for convenient and quick claims reporting
- Has decades of mobile home insurance experience and knowledge ✓
- Quotes need to be requested through an agent since they are not available online
- Missing some discounts that are offered by other insurers ✘
Best Overall
Key Statistics
Why We Like Them
⇅A Farmers subsidiary, Foremost offers a typical range of coverage options for mobile homes, but its defining feature is the “extended replacement cost” coverage.
The value of this coverage is clear: if your mobile home suffers total destruction, you may receive up to 20% more than your policy limit.
Foremost distinguishes itself with a J.D. Power score of 868/1,000, earning the highest customer satisfaction rating of all the insurers we reviewed.
Foremost doesn’t offer real-time online quotes. Instead, after completing the quote form, you’ll get a quote via email within 24 hours.
Foremost, one of the largest mobile home insurers in the U.S., boasts a vast network of more than 38,000 agents nationwide.
Benefits & Drawbacks
⇅- AARP endorsement offers discounts for members
- Open to individuals with credit challenges
- Provides insurance for older mobile homes
- Offers extensive additional coverage, including debris removal and food spoilage protection ✓
- Does not provide an online application option
- Quotes may take up to 24 hours ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅In addition to offering broad coverage, Allstate gives a special discount to retirees 55+ and original mobile or manufactured home owners, which helps lower policy costs. They also provide a bundle discount, much like other insurers.
Benefits & Drawbacks
⇅- A wide range of optional coverage choices are available.
- Retirees and original homeowners qualify for discounts.
- A mobile app makes managing your policy convenient. ✓
- The customer experience may vary with local agent service.
- Immediate online quotes aren’t available. ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Unlike other mobile home insurance providers that exclude floods, hurricanes, earthquakes, landslides, and mudslides, Assurant includes coverage for these disasters.
With Assurant’s All Risk coverage, you’re safeguarded against sudden accidents that lead to loss or damage to your mobile home, although there are a few exclusions. Their replacement cost coverage ensures that your dwelling and personal property are replaced with new items of similar type and quality, without deductions for depreciation.
Assurant’s policy extends to include adjacent structures such as sheds, fences, or standalone garages. If a covered event makes your home uninhabitable, they will compensate you for the additional living expenses incurred while repairs are made.
Benefits & Drawbacks
⇅- Replacement cost coverage for your home and personal property is a standard feature.
- Floods and earthquakes are covered under the standard policy. ✓
- There is no mobile app to provide added convenience.
- To receive quotes, you need to call a toll-free number between 7 AM and 7 PM, since online quotes are not available. ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅American Family may not enjoy the same recognition as some of its larger rivals, but it ranks among the top eight home insurers in the U.S. when it comes to market share. This company stands out by offering various discounts to help reduce your monthly premium costs.
You can achieve discounts with American Family by utilizing various methods, including:
- Consolidating your mobile home and auto insurance policies.
- Having a newer home purchased within the last three years.
- Installing smart technology in your home, like Ring or Nest.
- Taking advantage of the company’s autopay, full pay, and paperless billing options.
American Family offers a distinctive diminishing deductible feature within its coverage. When you first take out your policy, your deductible drops by $100, reducing a $1,000 deductible to $900. This deductible will keep decreasing each year at renewal until it reaches the maximum limit.
Benefits & Drawbacks
⇅- Offers a wide selection of additional coverage options.
- Includes a mobile app for tracking the status of your claims.
- Provides numerous ways to qualify for discounts. ✓
- Some customers have reported slower processing times for claims. ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers provides mobile home insurance in Oklahoma that is customized to your needs. With a broad network of agents available throughout the state, they are ready to help you select the coverage, deductible, and endorsements that best suit you.
One notable endorsement offered by Farmers is for green-home improvements, enabling you to upgrade your appliances and systems to energy-efficient options after a claim. You also have the choice of replacement cost coverage for additional personal protection and identity theft coverage for enhanced security.
Policyholders with Farmers can take advantage of different discounts, including incentives for having a home security system, being a non-smoker, signing up for paperless billing, maintaining a claims-free history, and bundling multiple policies like car or life insurance.
Benefits & Drawbacks
⇅- Thanks to claim forgiveness, your rates won’t rise after five years of not filing a claim.
- Covers the replacement of your belongings even if they are lost or stolen while you're away from home. ✓
- Quotes are available only through agents; online quoting is not an option.
- Received the lowest J.D. Power score among the insurers we reviewed. ✘
Do You Need Mobile Home Insurance In Oklahoma?
For your safety, we suggest securing mobile home insurance in Oklahoma. The first thing to keep in mind when financing your mobile home with a mortgage is that your lender will likely require you to carry insurance.
Secondly, whether you have a mortgage or not, residences across Oklahoma are vulnerable to unpredictable risks from severe thunderstorms, which can include damaging winds, hail, tornadoes, tropical storms, and hurricanes from the Pacific Ocean.
Lastly, make it a point to consult your mobile home park or community rules to determine whether residents must have insurance.
Find Mobile Home Insurance In Oklahoma
How To Find The Best Mobile Home Insurance Company For You
To get the best mobile home insurance and the right provider for your needs, consider these key points:
- Begin by picking at least three companies from our review list and requesting quotes. Receiving multiple quotes will offer valuable insights into mobile home insurance and help you avoid overpaying for coverage.
- Consider which risks to cover under your policy. Fire protection is usually standard, but proximity to water bodies or mountains may increase flood risks, and some insurers may require a separate flood insurance policy.
- Estimate the total worth of your valuable or rare possessions. This, along with your other belongings, will guide you in setting appropriate policy limits, ensuring you don’t overspend or over-insure.
- When seeking a quote, be sure to factor in any recent upgrades, renovations, or major changes that might affect the value of your mobile home.
Whether before or after obtaining quotes, take photos and note serial numbers of valuables, appliances, and other belongings to be insured. Secure this information in a fireproof safe or a trusted location for use in the event of a claim.
What Does Mobile Home Insurance Cover?
These coverage options are commonly part of a typical mobile home policy:
Dwelling Coverage
This coverage ensures the structure of your mobile home is repaired or replaced if damaged by an event covered in your policy, up to the limit you choose. You’ll also have to set a deductible, which is the amount you’ll need to pay out-of-pocket before the insurance takes over.
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 aspect provides for the replacement or repair of your electronics, furniture, and other personal belongings in case of theft or damage.
Coverage for Other Structures
This section of the policy caters to the repair of structures like sheds, fences, or other standalone entities when damage results from a covered event.
Liability Insurance
If a guest gets injured and sues you, or if you unintentionally damage another person’s property, liability coverage will settle the claim and often cover legal costs.
Average Cost Of Home Insurance In Oklahoma
Even though prices aren’t listed by the insurers we evaluated, we estimate that mobile home insurance in Oklahoma typically ranges from $40 to $125 per month, depending on factors such as coverage limits, deductible, and other considerations mentioned below.
The cost of your mobile home insurance in Oklahoma depends on several influencing factors:
- Location (ZIP Code): Where you reside has an impact on your insurance premiums.
- Coverage Limits: The more coverage you purchase, the more your insurance will cost.
- Home Age: The older your mobile home, the more likely your insurance rates will be higher.
- Deductible: Your selected deductible influences the overall amount of your insurance premium.
- Replacement Cost: The cost to rebuild or replace your home affects your insurance rates.
- Claims History: Having a history of claims can raise your premium rates.
Every insurer we looked into provides several discounts on mobile home insurance, including bundling with auto insurance for extra savings.
What Does Mobile Home Insurance In Oklahoma Not Cover?
Certain incidents are commonly not included in mobile home insurance coverage in Oklahoma.
Flooding
Coverage typically doesn’t include flood damage. If you’re in a flood-risk area, it’s a good idea to invest in additional flood insurance.
Wear and Tear
Policies typically focus on sudden, accidental damage and do not cover the normal wear and tear from aging.
Earthquakes
While seismic activity is rare in Oklahoma, typical mobile home insurance excludes coverage for “earth movement” caused by earthquakes.
Business-Related Damage
A standard policy might not cover damages if your mobile home is used for business. In such cases, a commercial policy tailored to your business needs may be required.
Insect or Animal Infestation
Pest infestation damage is typically excluded from coverage, as policyholders are expected to manage pest control as part of their normal maintenance duties.
How To Buy Mobile Home Insurance Online In Oklahoma
To make the process of buying mobile home insurance online smoother, follow these simple steps:
Assess Your Coverage Needs
Determine the right amount of coverage. In addition to your home, assess the value of your possessions to establish proper property damage limits.
Obtain Online Quotes
Most Oklahoma mobile home insurance providers offer online quotes. Some websites also offer side-by-side comparisons of coverage and pricing to make your search easier.
Submit Your Application
Once you’ve selected your coverage and price, complete your application. Many insurers accept online submissions, though a few may need you to meet with an agent in person to finalize it.
Largest Manufactured Home Insurance Companies In Oklahoma
| 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 Oklahoma
Similar to other coastal states, Oklahoma faces a variety of harsh weather conditions, including:
- Wildfires
- Damaging Winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical Storms
- Hail
- Flood Damage
Recognizing these potential risks, we urge all mobile home owners in Oklahoma to ensure they possess adequate insurance coverage.
How To Find Cheap Mobile Home Insurance In Oklahoma
To secure affordable mobile home insurance in Oklahoma, aim to obtain quotes from at least three different insurers. Rates can vary widely for standard coverage and additional features, so don’t forget to ask about discounts.
However, we caution against making a choice based only on price. It’s vital to ensure that your policy has the necessary coverage limits and to compare quotes consistently.
Our Methodology
When formulating our "Best For" selection and overall rating, we evaluated the standard and optional coverages available from each insurer, in addition to online feedback, financial stability, and customer satisfaction ratings. It's crucial to understand that none of the insurers we examined offer pricing details online.
Quotes Analyzed
Research Hours
Brands Reviewed
Years Of Experience
FAQs
Is mobile home insurance more expensive in Oklahoma?
Mobile home insurance in Oklahoma, and traditional homeowners insurance, has the highest cost of anywhere else in the country.
Do you need mobile home insurance in Oklahoma?
Although state law does not require mobile home insurance, your mortgage lender may still insist on it. Regardless, we strongly advise that you secure mobile home insurance, with or without a mortgage.
How are mobile home insurance rates determined?
Various elements determine mobile home insurance rates, including your location, the limits on your coverage, your deductible, and any discounts you might be eligible for.
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