Best Mobile Home Insurance Companies In Virginia 2024
Foremost ranks as the number one choice for mobile home insurance in Virginia.
We’ve saved shoppers an average of $450 per year on their home insurance.
If you’re searching for the best mobile home insurance, you’ll need to think about the coverage details and the overall cost.
I’ve reviewed various providers and determined that Foremost offers the best overall protection for your mobile home and personal items. Drawing on over 10 years of experience as a licensed insurance agent, I’m here to simplify your search for the right policy.
Best Mobile Home Insurance In Virginia 2024
Our review highlights each company for its unique benefits and policy features, which may fit your specific circumstances. It’s essential to understand that the right policy for you might not be the same as what suits a neighbor living only a mile away.
Below is a snapshot of our chosen companies, along with a summary of the essential criteria:
Compare The Best Mobile Home Insurance in Virginia
After exploring our top selections, let’s move on to a detailed comparison that shows how they measure up:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Cust. Satisf. Rating | Get A Quote | |
|---|---|---|---|---|---|---|
| Farmers |
|
Endorsements
|
A-
|
Yes
|
792
|
Instant Quote |
| Progressive |
|
Runner-Up
|
A+
|
Yes
|
859
|
Instant Quote |
| Foremost |
|
Overall
|
A
|
No
|
868
|
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage
|
A
|
No
|
Not Rated
|
Instant Quote |
| American Family |
|
Discounts
|
A
|
No
|
855
|
Instant Quote |
| American Modern |
|
Specialized Coverage
|
A+
|
No
|
Not Rated
|
Instant Quote |
| Allstate |
|
Retirees
|
A+
|
Yes
|
854
|
Instant Quote |
Best Mobile Home Insurance Companies In Virginia 2024
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, part of the Farmers family, offers the typical coverage options you’d expect from other mobile home insurers, with its “extended replacement cost” coverage being the main highlight.
The value of this coverage is remarkable: if your mobile home is totally destroyed, you may be compensated up to 20% above your policy’s limit.
Foremost excels in customer satisfaction, receiving the top J.D. Power rating of 868/1,000, making it the highest among all the companies we assessed.
Keep in mind that Foremost doesn’t provide online quotes instantly. You’ll receive a quote via email within 24 hours after completing the online form.
As one of the leading mobile home insurers in the U.S., Foremost is backed by a large network of more than 38,000 agents.
Benefits & Drawbacks
⇅- Available to people with credit issues
- Supported by AARP and offers member discounts
- Offers various additional coverages like debris removal and protection against food spoilage
- Insures older mobile homes ✓
- Quotes can take up to 24 hours to be processed
- No option to apply online ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate provides comprehensive coverage for its customers and offers an additional discount to retirees over 55 and original owners of mobile or manufactured homes, making policies more affordable. They also offer bundle discounts, similar to other insurers.
Allstate’s mobile home insurance stands out because it offers “mine subsidence” coverage, which we didn’t find with other insurers. This protects your home from damage caused by land movement due to human mining activities. Plus, Allstate covers damage to satellite dish antennas.
The standard mobile home policy from Allstate is in line with other insurers, covering the actual cash or replacement cost of your home and personal property. Liability and guest medical protection are included as well. For added peace of mind, you can opt for additional coverage, like water backup protection, reimbursement for eco-friendly upgrades, and data recovery for electronics.
Benefits & Drawbacks
⇅- Policy management is made easier with a mobile app.
- You can choose from a variety of attractive optional coverages.
- Discounts apply for retirees and those holding the original title. ✓
- Customer satisfaction depends on the performance of local agents.
- Online quotes cannot be accessed instantly. ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive is recognized for its appealing discounts for new homeowners, excellent financial strength, and top-notch customer satisfaction. The website is easy to use and delivers instant quotes.
Furthermore, having a mobile app elevates the overall digital experience for policyholders.
Progressive’s “single deductible” feature, unique among the mobile home insurers we evaluated, allows you to combine your mobile home and auto policies. This means you’ll only pay one deductible for claims under both policies.
For instance, if a hailstorm damages both your car and your mobile home’s roof, and you have a $500 deductible on each, you’ll only have to pay one deductible, and both will be repaired.
On top of that, you’ll receive a bundle discount by choosing Progressive for both your mobile home and auto coverage.
Progressive provides an extra feature called “trip collision” that ensures your dwelling and personal items are protected while moving from one place to another.
Benefits & Drawbacks
⇅- Convenient mobile app for policy management
- Optional replacement cost coverage offered
- New homeowners can take advantage of special discounts ✓
- Customer satisfaction ratings are lower than those of other insurers
- Some policies are backed by third-party underwriters ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅American Modern, established in 1949, is a pioneer in mobile home insurance. Its specialized coverage, especially for vacant and seasonal mobile homes, makes it stand out among the companies we evaluated.
It’s important to note that American Modern doesn’t cover total losses at replacement cost. In the event of a total loss, the settlement is based on the stated value of your home, with no depreciation taken out. For partial losses, they use actual cash value but offer an upgrade option to replacement cost valuation.
Benefits & Drawbacks
⇅- Offers a user-friendly mobile app for hassle-free claims reporting
- Leverages decades of experience in the mobile home insurance market ✓
- Quotes can only be obtained through an agent, with no option for online quotes
- Does not offer certain discounts found with other insurance companies ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅While many mobile home insurance policies exclude floods, hurricanes, earthquakes, landslides, and mudslides, Assurant distinguishes itself by providing coverage for these natural disasters.
Assurant offers All Risk coverage that safeguards against unexpected incidents causing loss or damage to your mobile home, with some exclusions listed. Their replacement cost coverage for your dwelling and personal belongings guarantees that you can replace them with new items of the same type and quality, without factoring in depreciation.
Assurant’s coverage includes adjacent structures on your property, such as sheds, fences, and detached garages. If a covered event causes significant damage to your home, they offer compensation for any additional living expenses while your home is unlivable.
Benefits & Drawbacks
⇅- Flood and earthquake coverage is part of the standard policy.
- Your home and property are covered for replacement costs as a standard feature. ✓
- There is no mobile app for convenience.
- Quotes can only be obtained by calling a toll-free number between 7 AM and 7 PM since online quotes aren’t available. ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅American Family may not be as famous as some of its larger competitors, but it remains among the top eight home insurance providers in the U.S. regarding market share. This insurer is known for its numerous discounts, providing several options to lower your monthly premium.
American Family offers several avenues to qualify for discounts, including:
- Merging your mobile home and auto insurance policies.
- Possessing a home that you purchased within the last three years.
- Using smart home devices such as Ring or Nest.
- Utilizing the company’s autopay, full pay, and paperless billing options.
American Family offers a unique diminishing deductible feature in its coverage. When you first buy your policy, your deductible is reduced by $100, making a $1,000 deductible just $900. This reduction continues each year at renewal until it reaches the maximum threshold.
Benefits & Drawbacks
⇅- Has a mobile app for checking the status of your claims.
- Offers a variety of supplementary coverage options.
- Provides numerous methods to qualify for discounts. ✓
- There are some indications of slower claims processing times. ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers offers personalized mobile home insurance policies in Virginia, tailored to your individual needs. With a wide network of agents throughout the state, they are ready to help you determine the best coverage, deductible, and endorsements for your situation.
Farmers provides endorsements such as options for green-home improvements, allowing you to upgrade to energy-efficient appliances and systems after a claim. Additionally, you can select replacement cost coverage for extra personal protection and identity theft coverage for added security.
Farmers provides a range of discounts for policyholders, including incentives for installing a home security system, being a non-smoker, opting for paperless billing, having a claims-free history, and bundling various policies like auto or life insurance with Farmers.
Benefits & Drawbacks
⇅- Covers the replacement of your personal items even if they are lost or stolen while you are away.
- Claim forgiveness means your rates won't rise after five years of claim-free history. ✓
- Quotes are available exclusively through agents, with no online quoting option.
- Received the lowest score in J.D. Power's rankings among the insurers we looked at. ✘
What Does Mobile Home Insurance Cover?
A mobile home insurance plan often covers the following areas:
Dwelling Coverage
It ensures that your mobile home’s structure will be repaired or replaced if damaged by a covered event, up to the limit you’ve set. You’ll also need to select a deductible, which is what you’ll pay before the insurance starts covering the rest.
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 ensures that your electronics, furniture, and other possessions will be repaired or replaced if they are stolen or damaged.
Coverage for Other Structures
This part of the policy addresses repair costs for non-attached structures, like sheds or fences, if they’re damaged by an event mentioned in your coverage.
Liability Insurance
Liability insurance covers you if a visitor gets injured and sues, or if you accidentally cause damage to someone else’s property. It often includes legal expenses.
Find Mobile Home Insurance In Virginia
Do You Need Mobile Home Insurance In Virginia?
I strongly recommend you secure mobile home insurance if you’re in Virginia. If you plan to finance your mobile home with a mortgage, the first thing to know is that your lender will likely require insurance coverage.
Furthermore, regardless of mortgage status, residences in Virginia are at risk from severe thunderstorms, which can bring destructive winds, hail, tornadoes, tropical storms, and even hurricanes from the Pacific Ocean.
Lastly, it’s recommended to review your mobile home park or community guidelines to find out if insurance coverage is compulsory for residents.
How To Buy Mobile Home Insurance Online In Virginia
For a smoother online mobile home insurance purchase, consider these steps:
Assess Your Coverage Needs
Decide on the protection you require. In addition to your home, factor in the value of your belongings to establish proper property damage limits.
Obtain Online Quotes
Several Virginia mobile home insurance providers let you get quotes online. Some websites even offer tools to compare coverage and costs, streamlining your shopping experience.
Submit Your Application
After determining your preferred coverage and budget, submit your application for insurance. While many insurers allow online submissions, some may require an in-person meeting to complete the process.
What Does Mobile Home Insurance In Virginia Not Cover?
Certain incidents are commonly excluded from mobile home insurance policies in Virginia.
Flooding
Coverage often excludes flood damage. If your home is in an area at risk for flooding, you should consider getting flood insurance to stay protected.
Wear and Tear
Insurance typically covers sudden and accidental damage, but not the normal wear and tear that comes with age.
Business-Related Damage
If your mobile home is used for business purposes, a standard policy likely won’t cover damages from that use. You may need a commercial policy specifically for your business operations.
Insect or Animal Infestation
Coverage usually excludes damage caused by pest infestations. Insurers expect policyholders to take responsibility for pest control through regular maintenance.
Largest Manufactured Home Insurance Companies In Virginia
| 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 Virginia
If you’re looking for affordable mobile home insurance in Virginia, gather quotes from a minimum of three insurers. Rates can vary significantly for both basic coverage and additional features, and be sure to ask about available discounts.
That said, we caution you not to choose an insurer just because of the price. It’s important to make sure your policy has appropriate coverage limits and to compare quotes consistently.
Average Cost Of Home Insurance In Virginia
While pricing isn’t displayed on the websites of the insurers we reviewed, we estimate that mobile home insurance in Virginia costs anywhere from $40 to $125 monthly, depending on your coverage limits, deductible, and other factors mentioned below.
Multiple elements can impact the pricing of your mobile home insurance policy in Virginia:
- Replacement Cost: The cost to replace your mobile home factors into your premium calculation.
- Coverage Limits: The coverage amount you select will influence your total premium.
- Deductible: Your deductible choice will play a role in determining your premium.
- Claims History: A history of past claims may lead to higher insurance rates.
- Location (ZIP Code): Your rates are partially determined by where you live.
- Home Age: How old your mobile home is will contribute to your insurance premium.
The insurers we evaluated all offer different discounts for mobile home insurance, including the option to bundle with auto insurance.
How to find the best mobile home insurance company for you
For finding the ideal mobile home insurance and provider, consider these guidelines:
- Pick a minimum of three companies from our review list and request quotes. Gathering multiple quotes will provide insight into mobile home insurance pricing, ensuring you don’t pay more than necessary for coverage.
- Determine what types of risks you want coverage for. Fire protection comes standard, but if you’re near water or mountainous areas, you could be at risk for flooding. Depending on your insurer, a separate flood insurance policy may be necessary.
- Determine the worth of your valuable or rare items. By adding up their value along with your other possessions, you’ll be able to choose the proper policy limits and avoid both over-insuring and overspending.
- Incorporate any recent home improvements, renovations, or major updates that may increase the value of your mobile home when seeking a quote.
Capture photos and document serial numbers for your valuable items, appliances, and belongings earmarked for coverage either before or after requesting quotes. Keep this information in a fireproof container or another safe location in case you ever need to file a claim.
Unique Considerations For Mobile Home Insurance In Virginia
Just like any coastal state, Virginia deals with several severe weather conditions, such as:
- Tornadoes
- Hurricanes
- Wildfires
- Damaging Winds
- Lightning
- Tropical Storms
- Hail
- Flood Damage
Given these possible risks, we urge all mobile home owners in Virginia to make sure they have adequate coverage.
Our Methodology
Our "Best For" selection and overall rating were determined by evaluating the standard and optional coverages from each insurer, in addition to online reviews, financial stability, and customer satisfaction levels. It's significant to point out that none of the insurers we examined have pricing information available online.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Is mobile home insurance more expensive in Virginia?
Generally, mobile home insurance in Virginia is priced similarly to neighboring states in the Southeast, except for Florida, where many insurers do not provide coverage for mobile homes.
Do you need mobile home insurance in Virginia?
Your mortgage lender might require you to have insurance for your mobile home, but it isn’t a legal requirement in the state. Nonetheless, we strongly encourage you to get mobile home insurance, regardless of your mortgage status.
How are mobile home insurance rates determined?
Mobile home insurance rates are influenced by several factors, including your location, the coverage limits you select, your deductible, and any discounts for which you qualify.
