Best Mobile Home Insurance In Pennsylvania, 2024
When looking for top-quality mobile home insurance in Pennsylvania, Foremost is the standout choice.
We’ve saved shoppers an average of $450 per year on their home insurance.
Finding the right mobile home insurance policy involves weighing factors like the type of coverage and the associated costs.
I’ve reviewed a variety of insurance companies and selected Foremost as the “Best Overall” for safeguarding mobile homes and belongings. With my experience as a licensed insurance agent for over a decade, I’ll simplify the process to help you find the policy that fits your needs.
Best Mobile Home Insurance In Pennsylvania, 2024
Each of the companies on our list stands out for its unique perks and policy options that may suit your individual situation. It’s worth noting that the right policy for you might not be the best one for a neighbor just a mile away.
Here’s a look at the companies we’ve chosen and a breakdown of the essential criteria:
Compare The Best Mobile Home Insurance In Pennsylvania
Now that you’ve seen our top choices, let’s present a more detailed comparison of their strengths and weaknesses:
| 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 |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
Best Mobile Home Insurance Companies In Pennsylvania
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a Farmers company, covers the usual range of mobile home insurance options, but its unique feature is the “extended replacement cost” coverage.
This coverage provides added value by potentially reimbursing you up to 20% above your policy limit if your mobile home is destroyed.
Foremost’s superior customer satisfaction is reflected in its J.D. Power score of 868 out of 1,000, the best among all the insurers we examined.
One thing to keep in mind is that Foremost doesn’t provide real-time quotes online. After you submit the form, expect a quote via email within 24 hours.
Being a major provider of mobile home insurance in the U.S., Foremost has a broad network of over 38,000 agents.
Benefits & Drawbacks
⇅- Accepts people with credit challenges
- Endorsed by AARP with member discounts
- Covers older mobile homes
- Offers additional protections, including debris removal and coverage for food spoilage ✓
- No online application available
- Quote processing can take as long as 24 hours ✘
Runner-Up for Best Overall
Key Statistics
Why We Like Them
⇅Progressive excels with its discounts for new homeowners, financial strength, and high satisfaction ratings. The easy-to-use website provides instant quotes, enhancing the customer experience.
In addition, the mobile app enhances the overall digital experience for policyholders.
What sets Progressive apart is its exclusive “single deductible” benefit. When you bundle mobile home and auto insurance, you only have to deal with one deductible, eliminating the need for separate ones.
If a hailstorm damages both your mobile home’s roof and your car, and each policy has a $500 deductible, you would only need to pay one deductible for both repairs.
Another advantage is the bundle discount available when you choose Progressive for both mobile home and auto insurance.
Progressive steps up with its “trip collision” feature, which covers your home and possessions during any move between locations.
Benefits & Drawbacks
⇅- Discounts are offered for new homeowners
- Provides replacement cost coverage as an optional feature
- Policy management is easy with the mobile app ✓
- Customer satisfaction is lower compared to other mobile home insurers
- Some policies are underwritten by third-party companies ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅As one of the pioneers in mobile home insurance since 1949, American Modern stands out with its specialized coverage for vacant and seasonal mobile homes, distinguishing it from the other companies we reviewed.
It’s key to understand that American Modern doesn’t offer replacement cost coverage for total losses. In the event of total destruction, they pay the stated value from your policy without depreciation. For partial losses, they base payments on actual cash value, but an upgrade to replacement cost is available.
Benefits & Drawbacks
⇅- Offers a reliable mobile app for reporting claims efficiently
- Extensive experience in the mobile home insurance industry spanning decades ✓
- No online quotes; quotes must be obtained through an agent
- Some discounts offered by other insurers are not available ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Many mobile home insurance policies don’t offer coverage for natural disasters like floods, hurricanes, earthquakes, landslides, and mudslides, but Assurant provides protection for all of these events.
The All Risk coverage from Assurant protects against unforeseen events that cause loss or damage to your mobile home, with certain exclusions specified. Plus, their replacement cost coverage ensures that both your home and personal belongings are replaced with new items of similar kind and quality, without any depreciation deduction.
In addition to your home, Assurant also covers structures like sheds, fences, and garages on your property. They provide compensation for additional living expenses if your home becomes uninhabitable due to a covered event.
Benefits & Drawbacks
⇅- It also features replacement cost coverage for your home and personal property.
- The standard policy includes protection against floods and earthquakes. ✓
- There is no mobile app available for user convenience.
- You can obtain quotes by calling a toll-free number during the hours of 7 AM to 7 PM, as online quotes are not offered. ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Although it lacks the recognition of some major competitors, American Family ranks in the top eight home insurers in the U.S. in terms of market share. It stands out by providing various discounts that create opportunities to lower your monthly insurance premium.
There are numerous methods to qualify for discounts with American Family, such as:
- Owning a home that was purchased in the past three years.
- Taking advantage of autopay, full pay, and paperless billing offered by the company.
- Merging your auto and mobile home insurance for better rates.
- Installing smart home devices such as Ring or Nest.
American Family’s insurance includes a notable diminishing deductible feature. When you acquire your policy, the deductible drops by $100, changing a $1,000 deductible to $900. This reduction continues with each policy renewal until it reaches the maximum allowable limit.
Benefits & Drawbacks
⇅- Features a broad selection of ways to qualify for discounts.
- Offers a diverse set of additional coverage choices.
- Provides a mobile app for monitoring your claims' status. ✓
- Some users have noted slower claims processing times. ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate offers extensive coverage and provides a special discount for retirees over 55 and original titleholders of mobile or manufactured homes, helping to make policies more affordable. Like most insurers, they also offer a bundle discount.
Allstate mobile home insurance offers a unique benefit that other insurers we reviewed do not: “mine subsidence” coverage. This protects your home from damage caused by land movement related to mining activity. Additionally, it includes coverage for satellite dish antennas.
With Allstate’s standard mobile home policy, you’ll get similar benefits to other insurers, including actual cash or replacement cost coverage for your home and personal items. It also provides liability and guest medical protection. Optional extras are available, such as coverage for water backup, green upgrades, and electronic data recovery.
Benefits & Drawbacks
⇅- Discounts for retirees and original titleholders are available.
- A mobile app offers convenience for managing your policy.
- There are many optional coverage choices to suit your needs. ✓
- Instant online quotes are not offered.
- Customer experience may vary depending on the performance of local agents. ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Tailored to your specific needs, Farmers offers customizable mobile home insurance policies in Pennsylvania. With a wide network of agents available throughout the state, Farmers is equipped to help you find the appropriate coverage, deductible, and endorsements that meet your requirements.
Farmers provides endorsements like options for green-home improvements, allowing you to switch to energy-efficient appliances and systems after a claim. You also have the opportunity to choose replacement cost coverage for extra personal protection and identity theft coverage.
Policyholders at Farmers can enjoy various discounts, including those for having a home security system, being a non-smoker, enrolling in paperless billing, keeping a claims-free history, and bundling multiple policies like auto or life insurance.
Benefits & Drawbacks
⇅- Covers the replacement of personal property, even when lost or stolen while you are traveling.
- With claim forgiveness, your rates won’t change after five years without a claim. ✓
- Quotes can only be obtained through agents; there is no option for online quotes.
- Received the lowest J.D. Power score among the insurers we evaluated. ✘
How To Find The Best Mobile Home Insurance Company For You
For the best results in finding mobile home insurance and the right provider, stick to these guidelines:
- Pick at least three companies from our review list and request quotes. Gathering multiple quotes will provide you with a better understanding of mobile home insurance, helping you find affordable and reliable coverage.
- Consider which risks you want to be covered for. While fire protection is standard, living near water bodies or mountains could expose you to flooding, potentially requiring a separate flood insurance policy.
- Determine the value of your valuable or one-of-a-kind possessions. Combining this with the total value of your other items will help you establish the proper policy limits, avoiding over-insurance and extra costs.
- Mention any recent upgrades, renovations, or significant changes that could impact your mobile home’s value when getting a quote.
Capture photos and note the serial numbers of valuable items, appliances, and possessions, either before or after you request quotes. Store the records in a fire-resistant container or secure place to use in the event of a claim.
Find Mobile Home Insurance In Pennsylvania
What Does Mobile Home Insurance In Pennsylvania Not Cover?
There are certain events that are generally excluded from mobile home insurance policies in Pennsylvania.
Flooding
Coverage usually excludes damage from floods. If you’re located in a flood-prone area, securing flood insurance is highly recommended.
Wear and Tear
Insurance usually addresses accidental and sudden damage but does not cover the normal wear and tear that comes with aging.
Business-Related Damage
If your mobile home is used for business, damages connected to those activities may not be covered under a standard policy. You might need a commercial policy that fits your business needs.
Insect or Animal Infestation
Pest-related damage is usually not included in coverage, since insurers expect homeowners to manage pests as part of their regular upkeep.
What Does Mobile Home Insurance Cover?
A common mobile home insurance policy usually includes the following protection:
Dwelling Coverage
It covers the cost of repairing or replacing your mobile home’s structure if it’s damaged by an insured event, up to your coverage limit. You’ll also decide on a deductible, which is the amount you need to pay before your insurer starts paying for approved claims
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 section covers the replacement or repair of electronics, furniture, and other valuables in case they are stolen or damaged.
Coverage for Other Structures
This provision helps with the cost of repairing structures like sheds, fences, or other non-attached property when damage is caused by an event included in your policy.
Liability Insurance
If someone gets injured on your property and sues, or if you accidentally damage another person’s property, liability coverage will pay for the claim and usually the legal fees.
Average Cost Of Mobile Home Insurance In Pennsylvania
Although insurers don’t provide pricing on their websites, we estimate that mobile home insurance in Pennsylvania costs between $40 and $125 per month. This range depends on factors like your coverage limits, deductible, and selected options, as explained below.
Different factors influence how much you’ll pay for mobile home insurance in Pennsylvania:
- Coverage Limits: The scope of the coverage you choose will affect your premium costs.
- Location (ZIP Code): The region you live in helps determine your insurance rate.
- Deductible: Your chosen deductible affects how much you will pay in premiums.
- Claims History: A history of claims may increase the cost of your insurance.
- Home Age: The age of your mobile home will affect your insurance premium.
- Replacement Cost: The cost to replace your home is a major factor in determining your rates.
The insurers we assessed all offer multiple discounts on mobile home insurance, including bundling with your auto policy.
Do You Need Mobile Home Insurance In Pennsylvania?
I would strongly encourage you to obtain mobile home insurance in Pennsylvania. First off, if you’re securing a mortgage to finance your mobile home, expect your lender to require insurance coverage.
Secondly, whether you’re mortgaged or not, homes in Pennsylvania are exposed to the unpredictable risks from severe thunderstorms that may include damaging winds, hail, tornadoes, tropical storms, and hurricanes coming from the Pacific Ocean.
Lastly, it’s important to review your mobile home park or community rules to find out if residents are obligated to carry insurance.
How To Buy Mobile Home Insurance Online In Pennsylvania
To ensure an easier process when purchasing mobile home insurance online, consider the following steps:
Assess Your Coverage Needs
Determine how much coverage is necessary. Assess the value of your home and personal items to set accurate property damage limits.
Obtain Online Quotes
Many companies that offer mobile home insurance in Pennsylvania allow you to get quotes online, with some sites offering coverage and cost comparison tools to make your search more convenient.
Submit Your Application
Once you’ve chosen the right coverage and price, you can submit your application. While many companies offer online submission, a few may ask for an in-person meeting to finalize the process.
Largest Manufactured Home Insurance Companies In Pennsylvania
| 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 Pennsylvania
Pennsylvania, similar to other coastal regions, faces multiple severe weather conditions, including:
- Wildfires
- Damaging Winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical Storms
- Hail
- Flood Damage
Given these threats, we recommend that mobile home owners in Pennsylvania ensure they have the necessary coverage.
How To Find Cheap Mobile Home Insurance In Pennsylvania
If you want affordable mobile home insurance in Pennsylvania, gather quotes from a minimum of three providers. Rates can differ for standard coverage and extra options, so don’t forget to check for discounts.
However, we advise you not to choose an insurer just because of their rates. It’s crucial to ensure your policy has the right coverage limits and to compare quotes on a level playing field.
Our Methodology
For our "Best For" selection and overall rating, we assessed the standard and optional coverages each insurer offers, as well as their online reviews, financial strength, and customer satisfaction ratings. It's important to highlight that none of the insurers we assessed offer pricing information online.
Quotes Analyzed
Research Hours
Brands Reviewed
Years Of Experience
FAQs
Is mobile home insurance more expensive in Pennsylvania?
Homeowners insurance in Pennsylvania is on par with other states and this applies to mobile home insurance, as well.
Do you need mobile home insurance in Pennsylvania?
Your mortgage lender may require insurance for your mobile home, but it’s not legally required in the state. Still, we strongly suggest having mobile home insurance, whether you hold a mortgage or not.
How are mobile home insurance rates determined?
A variety of factors can affect your mobile home insurance rates, including your location, coverage limits, chosen deductible, and any qualifying discounts.
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