Mobile Home Insurance In Arkansas For 2024
When selecting mobile home insurance in Arkansas, Foremost emerges as the best option.
We’ve saved shoppers an average of $450 per year on their home insurance.
Several factors, such as coverage options and premiums, influence the decision to select the best mobile home insurance.
After assessing a range of companies, I’ve chosen Foremost as the “Best Overall” for mobile home and personal property protection. With more than 10 years of experience as a licensed agent, I’ll make it easier for you to choose the policy that fits your needs.
Best Mobile Home Insurance In Arkansas, 2024
In our review, each company earned its spot due to distinct benefits and policy offerings that may align with your needs. Keep in mind, the best policy for you might be quite different from what's ideal for someone living just a mile away.
Here’s a summary of the critical criteria and the companies we’ve selected:
Compare The Best Mobile Home Insurance In Arkansas
Now that you’re familiar with our winners, let’s provide a more in-depth comparison to highlight their differences:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Rating /1000 | Get A Quote | |
|---|---|---|---|---|---|---|
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
Best Mobile Home Insurance Companies In Arkansas
Runner-Up for Best Overall
Key Statistics
Why We Like Them
⇅Offering appealing discounts to new homeowners, Progressive stands out with its solid financial stability and high customer satisfaction ratings. The user-friendly website also provides instant quotes.
The availability of a mobile app further enhances the digital experience for those with policies.
A unique offering from Progressive is its “single deductible” option. When you bundle mobile home and auto insurance, claims are subject to one deductible, rather than separate ones for each policy.
If a hailstorm hits and damages both your mobile home’s roof and your car, with a $500 deductible on each, you only pay one deductible, and both assets will be repaired.
There’s also the added perk of a bundle discount when you insure both your mobile home and vehicle with Progressive.
A standout feature Progressive offers is “trip collision,” an endorsement that protects your home and belongings during transportation.
Benefits & Drawbacks
⇅- Replacement cost coverage is available as an optional add-on
- Special discounts offered to new homeowners
- Mobile app allows for easy policy management ✓
- Customer ratings are lower than many other mobile home insurers
- Third-party companies underwrite some policies ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Assurant goes above and beyond typical mobile home insurance policies by covering floods, hurricanes, earthquakes, landslides, and mudslides, which are often not included in standard plans.
The All Risk coverage from Assurant protects your mobile home from sudden, accidental events that cause damage or loss, although some exclusions apply. Their coverage also includes replacement cost for both your home and personal property, allowing you to replace them with new items of equivalent kind and quality, free from depreciation deductions.
Assurant also protects structures near your home, like sheds, fences, and detached garages. If a covered event severely damages your home, they will compensate you for any extra living expenses while your home is uninhabitable.
Benefits & Drawbacks
⇅- The standard policy offers coverage for both floods and earthquakes.
- Replacement cost coverage for your home and belongings is included as a standard feature. ✓
- You can only get quotes by calling a toll-free number during the hours of 7 AM to 7 PM, as there are no online quotes.
- A mobile app is not offered for user convenience. ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Since its founding in 1949, American Modern has been a leader in mobile home insurance, offering tailored policies for vacant or seasonal homes—a unique feature compared to other insurers we reviewed.
American Modern doesn’t include replacement cost coverage for total losses. If your home suffers a total loss, they pay out the stated value in your policy without deducting depreciation. Partial losses are settled based on actual cash value, though you can choose to upgrade to replacement cost coverage for those situations.
Benefits & Drawbacks
⇅- Backed by decades of experience in mobile home insurance
- Has a reliable mobile app for quick and easy claims filing ✓
- Quotes are only available through agents, as there is no online quoting system
- Missing some discounts available through other insurers ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate not only ensures full coverage but also gives a discount to retirees 55 and older and original mobile or manufactured home titleholders, lowering policy costs. Additionally, they offer a bundle discount, which many insurers also provide.
A unique feature of Allstate mobile home insurance, not seen with other insurers, is “mine subsidence” coverage. It protects your home from damage caused by shifts in land due to mining operations. Additionally, it includes coverage for damages to satellite dish antennas.
Allstate’s standard mobile home insurance is competitive with other providers, offering actual cash value or replacement cost for your home and belongings. The plan includes liability and guest medical coverage, with optional extras like water backup protection, green improvement reimbursements, and electronic data recovery.
Benefits & Drawbacks
⇅- Retirees and original titleholders may receive special discounts.
- There is a broad selection of optional coverage available.
- A mobile app simplifies policy management. ✓
- Customer experience may vary depending on local agent performance.
- Instant online quotes aren’t an option. ✘
Best Overall
Key Statistics
Why We Like Them
⇅A division of Farmers, Foremost delivers the usual range of mobile home insurance coverage, but it stands out thanks to its “extended replacement cost” feature.
What makes this replacement cost coverage valuable is that in the event of a total loss, you can receive up to 20% over your policy limit.
Foremost’s strong focus on customer satisfaction is clear from its J.D. Power score of 868/1,000, the best among all the insurers we reviewed.
Foremost does not offer immediate quotes online. Once you submit the quote form, you’ll get a quote in your email within 24 hours.
Foremost, a major player in mobile home insurance in the U.S., is represented by over 38,000 agents nationwide.
Benefits & Drawbacks
⇅- Open to individuals with credit challenges
- AARP-endorsed with discounts for members
- Provides coverage for aging mobile homes
- Offers extra protections, such as debris removal and food spoilage coverage ✓
- Lacks an option to apply online
- Quotes may take up to 24 hours to be processed ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Although it doesn’t have the widespread recognition of some larger companies, American Family is ranked among the top eight home insurers in the U.S. based on market share. The insurer offers a range of discounts that can significantly reduce your monthly premium.
To qualify for discounts with American Family, you can explore various options, including:
- Having a home that is newer, acquired within the past three years.
- Consolidating your auto insurance with your mobile home insurance.
- Installing smart technology in your home, like Ring or Nest.
- Making use of autopay, full pay, and paperless billing to qualify for discounts.
A key aspect of American Family’s coverage is the diminishing deductible feature. When you obtain your policy, your deductible is automatically lowered by $100, bringing a $1,000 deductible down to $900. Each year during policy renewal, this deductible will further decrease until it hits the maximum limit.
Benefits & Drawbacks
⇅- Includes a wide range of ways to qualify for discounts.
- Features a diverse selection of additional coverage options.
- Offers a mobile app to help you keep track of your claims. ✓
- Some feedback indicates that claims processing times might be slower. ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers provides flexible mobile home insurance policies in Arkansas that can be customized to your preferences. With a broad network of agents statewide, Farmers is available to assist you in selecting the coverage, deductible, and endorsements that are right for you.
One of the endorsements offered by Farmers includes options for green-home improvements, which let you upgrade to energy-efficient appliances and systems following a claim. You can also choose replacement cost coverage for added personal protection and opt for identity theft coverage.
Policyholders can benefit from several discounts at Farmers, which include incentives for having a home security system, being a non-smoker, enrolling in paperless billing, maintaining a claims-free history, and bundling policies such as auto or life insurance with Farmers.
Benefits & Drawbacks
⇅- Claim forgiveness ensures your rates remain stable after five consecutive years without a claim.
- Covers personal property replacement even when it’s lost or stolen during your travels. ✓
- Quotes can only be obtained through agents; online quoting is not an option.
- Received the lowest J.D. Power score among the insurers we compared. ✘
What Does Mobile Home Insurance Cover?
The typical mobile home policy usually provides these types of coverage:
Dwelling Coverage
This section guarantees that the structure of your mobile home will be repaired or replaced in case of damage caused by events covered under your policy, up to your selected coverage limit. You will also set a deductible, which is the amount you’ll pay before the insurance company steps in.
The following events are usually covered:
- Fire
- Lightning
- Weight of ice and snow
- Vandalism
- Falling objects
- Explosions
- Wind and hail
- Damage from wild or stray animals
- Burst pipes
Coverage for Other Structures:
This feature provides for repair expenses of structures like sheds, fences, and other detached items when they are damaged by a covered event.
Personal Property Coverage
This part of the policy covers the repair or replacement of your personal items, such as electronics and furniture, if they’re stolen or damaged.
Liability Insurance
If someone gets hurt on your property and decides to sue, or if you accidentally damage another person’s property, liability coverage will handle the claim and related legal costs.
Find Mobile Home Insurance In Arkansas
What Does Mobile Home Insurance In Arkansas Not Cover?
In Arkansas, mobile home insurance often does not cover specific events.
Flooding
Flooding is usually not covered under standard policies. If you’re in a flood zone, it’s a good idea to look into separate flood insurance.
Wear and Tear
Most insurance policies handle sudden, accidental damage rather than the gradual wear and tear items experience as they age.
Business-Related Damage
Damages related to business use of your mobile home may not be included in a standard policy. In this case, a commercial policy tailored to your business may be required.
Earthquakes
Even though earthquakes are rare in Arkansas, standard mobile home insurance doesn’t offer coverage for damage from “earth movement” caused by seismic shifts.
Insect or Animal Infestation
Damage from pests is generally not covered, as insurers expect policyholders to handle pest prevention as part of their routine care.
How To Buy Mobile Home Insurance Online In Arkansas
To speed up the process of getting mobile home insurance online, follow these guidelines:
Assess Your Coverage Needs: Evaluate the level of protection you need. Consider the value of both your home and personal items to set the appropriate property damage limits.
Obtain Online Quotes: Many companies offering mobile home insurance in Arkansas allow you to request quotes online. Some platforms also provide comparison tools to make it easier to find the best deal.
Submit Your Application: Once you’ve finalized your coverage and found a suitable price, proceed to complete the insurance application. Many insurers offer online submission, though some might need an in-person appointment.
How to Find the Best Mobile Home Insurance Company for you
To ensure you select the right mobile home insurance and provider, stick to the following tips:
- Start by choosing three or more companies from our list of reviews and requesting quotes. Comparing multiple quotes will give you the information you need to secure mobile home insurance without overspending.
- Figure out the perils you want protection from. While fire coverage is standard, living near bodies of water or mountains could increase your flooding risk, possibly requiring a separate flood insurance policy.
- Calculate the total value of your valuable or distinctive possessions. This, combined with your other belongings, will help you set appropriate policy limits, ensuring you avoid overpaying or over-insuring.
- When requesting a quote, don’t forget to include any recent upgrades, renovations, or changes that might affect the value of your mobile home.
Make sure to take photos and record serial numbers of valuable items, appliances, and other possessions you wish to insure, either before or after you request quotes. Store the records in a secure, fireproof location for use in the event of a claim.
Do You Need Mobile Home Insurance In Arkansas?
It’s important to have mobile home insurance in Arkansas. First and foremost, if you’re using a mortgage to finance your mobile home, your lender will likely insist on having insurance coverage.
Secondly, whether or not you have a mortgage, homes in Arkansas are subject to the unpredictable dangers of severe thunderstorms that can produce damaging winds, hail, tornadoes, tropical storms, and hurricanes originating from the Pacific.
Ultimately, you should verify with your mobile home park or community regulations to see if residents are required to have insurance.
Unique Considerations For Mobile Home Insurance In Arkansas
Much like other coastal areas, Arkansas is subject to various extreme weather conditions, including:
- Hail
- Flood Damage
- Wildfires
- Damaging Winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical Storms
Considering the risks involved, we advise all mobile home owners in Arkansas to obtain sufficient insurance coverage.
Average Cost Of Home Insurance In Arkansas
None of the insurers we assessed offer price information on their websites, but our estimate puts mobile home insurance in Arkansas between $40 and $125 per month. This depends on factors like coverage limits, deductible, and selected options, as outlined below.
Various factors play a role in determining the cost of your mobile home insurance policy in Arkansas:
- Location (ZIP Code): Your insurance rates will vary depending on where you live.
- Replacement Cost: The cost to rebuild or replace your mobile home will influence the rate.
- Coverage Limits: The higher the coverage you choose, the more you will likely pay.
- Home Age: The age of your mobile home is one of the factors affecting your premium.
- Deductible: The deductible amount you select affects how much your insurance will cost.
- Claims History: Filing previous claims can result in higher premiums.
Each insurer we looked at provides a variety of discounts on mobile home insurance, including savings when bundling with auto insurance.
Largest Manufactured Home Insurance Companies In Arkansas
| 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% |
How To Find Cheap Mobile Home Insurance In Arkansas
To secure affordable mobile home insurance in Arkansas, it’s best to request quotes from at least three different providers. Insurance rates can differ for standard coverage and additional options, so inquire about any discounts available.
However, we warn against making a decision based only on the price of the insurance. Ensuring your policy includes proper coverage limits is important, as is comparing quotes on a similar basis.
Our Methodology
When creating our "Best For" selection and overall rating, we considered the standard and optional coverages each insurer offers, as well as online reviews, financial health, and customer satisfaction ratings. Keep in mind that none of the insurers we looked into display pricing details on their websites.
Quotes Analyzed
Research Hours
Brands Reviewed
Years Of Experience
FAQs
Is mobile home insurance more expensive in Arkansas?
Yes, mobile home insurance in Arkansas, along with traditional homeowners insurance, is higher than other states across the country.
Do you need mobile home insurance in Arkansas?
Even if your mortgage lender specifies that you need insurance for your mobile home, it’s not required by state law. Regardless, we strongly recommend securing mobile home insurance, whether you have a mortgage or not.
How are mobile home insurance rates determined?
Several elements impact the cost of mobile home insurance, including your geographical location, the coverage limits you choose, your deductible, and any discounts you might qualify for.
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