Best Mobile Home Insurance In Indiana For 2024

Foremost, a subsidiary of Farmers, provides standard and optional coverage features similar to other mobile home insurers, but its standout feature is its “extended replacement cost” coverage.

With Foremost, the value of replacement cost coverage is noteworthy: in the event of total destruction of your mobile home, you could receive reimbursement up to 20% above the value of your policy limit.

One of Foremost’s strengths lies in customer satisfaction. It boasts a J.D. Power customer satisfaction rating of 868 out of 1,000, ranking highest among all the insurers we reviewed.

However, it’s important to note that Foremost doesn’t offer instant quotes on its website. Instead, you’ll receive an email quote within 24 hours after submitting your information on a quote form.

Despite this, Foremost stands out as one of the largest mobile insurance providers in the U.S., with over 38,000 agents representing the company.

Progressive stands out for several reasons: they offer discounts for new homeowners, boast high ratings for financial strength and customer satisfaction, and provide a user-friendly digital platform. Their website is easy to navigate, and you can get an instant quote. Additionally, they have a mobile app for convenience.

A unique feature among the mobile home insurers we’ve reviewed is Progressive’s “single deductible” benefit. When you bundle your mobile home and auto insurance with Progressive, any claims you file for either policy apply to both, eliminating the need for separate deductibles. For instance, if both your mobile home’s roof and your car are damaged in a hailstorm, with a $500 deductible for each policy, you’ll only pay one deductible for both repairs.

Moreover, Progressive offers a bundle discount when you combine your mobile home and auto insurance policies.

Another notable option with Progressive is the “trip collision” endorsement, which covers your dwelling and personal property while in transit from one location to another

American Modern was established in 1949 and prides itself on being one of the pioneering companies specializing in mobile home insurance.

Setting itself apart in specialized coverage, American Modern extends its services to owners of vacant or seasonal mobile homes, a feature not commonly found among other mobile home insurance providers we’ve reviewed.

Unlike some competitors, American Modern does not offer replacement cost coverage for total losses. Instead, it settles at the stated value of your home listed on your policy, with no depreciation deduction. In the case of partial losses, it pays the actual cash value, although you have the option to upgrade to replacement cost valuation.

Farmers offers customizable mobile home insurance policies in Indiana, tailored to individual needs. With agents located throughout the state, Farmers assists in selecting the right coverage, deductible, and endorsements for policyholders.

Endorsements available through Farmers include options for green-home improvements, upgrading appliances to energy-efficient models post-claim, and additional protections such as replacement cost coverage and identity theft coverage.

Farmers extends various discounts to policyholders, including incentives for having a home security system, being a non-smoker, opting for paperless billing, maintaining a claims-free history, and bundling multiple policies with Farmers’ car or life insurance.

While many mobile home insurance policies typically exclude coverage for floods, hurricanes, earthquakes, landslides, and mudslides, Assurant stands out by offering protection against these events.

Assurant’s All Risk coverage safeguards policyholders against any sudden and accidental events resulting in direct loss or damage to their mobile homes, with only a few specified exclusions.

Furthermore, Assurant provides dwelling and personal property replacement cost coverage, ensuring that damaged homes and possessions are replaced with new items of similar quality without any depreciation deduction.

Assurant extends coverage to adjacent structures on the policyholder’s property, such as sheds, fences, or standalone garages. Moreover, it covers additional living expenses if the insured home becomes uninhabitable due to a covered loss.

While not as widely recognized as some of its competitors with larger advertising budgets, American Family ranks among the top eight home insurers in the U.S. based on market share. This insurer provides various discounts, offering several ways to lower your monthly premium.

You may qualify for discounts with American Family if you:

• Bundle your mobile home and auto insurance
• Install smart devices like Ring or Nest in your home
• Reside in a newer home purchased within the last three years
• Utilize the company’s autopay, full pay, and paperless billing options

Additionally, American Family offers diminishing deductible coverage, which starts by reducing your deductible by $100 on the first day of your policy. For instance, a $1,000 deductible becomes $900 on the day you purchase your policy. Then, each year upon policy renewal, your deductible will continue to decrease up to your policy’s maximum limit.

Allstate provides extensive coverage options for all policyholders, but it offers a special discount to retirees aged 55 and older, as well as original titleholders of mobile or manufactured homes, making policies more budget-friendly. Additionally, Allstate provides a bundle discount, a common offering among most insurers.

One distinctive feature of Allstate’s mobile home insurance, not commonly found among other insurers we’ve reviewed, is its “mine subsidence” coverage. This protects against damage to your mobile home caused by land movement triggered by a man-made mine. Allstate also offers property protection for satellite dish antennas.

Allstate’s standard mobile home coverage is on par with its competitors, providing benefits such as actual cash or replacement cost coverage for your mobile home structure and personal property, liability protection, and guest medical protection. Optional coverages include protection against water backup, reimbursement for green improvements post-loss, and electronic data recovery.