Best Mobile Home Insurance In Massachusetts 2024
For mobile home insurance in Massachusetts, Foremost is widely recognized as the best option.
We’ve saved shoppers an average of $450 per year on their home insurance.
When evaluating mobile home insurance, coverage features and cost are two of the most important aspects to think about.
After carefully evaluating different companies, I’ve named Foremost the top choice for protecting your mobile home and possessions. With my 10+ years of experience as a licensed insurance agent, I’ll make the decision-making process easier and guide you to the best policy for your needs.
Best Mobile Home Insurance In Massachusetts 2024
Each company we assessed has earned its place thanks to unique features and benefits that could match your situation. Keep in mind that what’s right for you might not be the best fit for someone living just a mile away in their mobile home.
We’ve highlighted our top companies, accompanied by a summary of the most important criteria:
Compare The Best Mobile Home Insurance In Massachusetts
After identifying the top performers, we’ll now offer a closer comparison to see how they compare directly:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Cust. Satisf. Rating | Get A Quote | |
|---|---|---|---|---|---|---|
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
Best Mobile home insurance companies In Massachusetts
Best Overall
Key Statistics
Why We Like Them
⇅As part of Farmers, Foremost provides the standard mobile home insurance options, though it differentiates itself with its “extended replacement cost” coverage.
The replacement cost coverage is particularly valuable, as it can reimburse up to 20% over your policy limit if your mobile home is completely destroyed.
A J.D. Power rating of 868/1,000 highlights Foremost’s excellence in customer satisfaction, placing it at the top of our list of reviewed insurers.
Foremost doesn’t offer instant online quotes. Instead, after submitting the form, you’ll receive your quote via email within 24 hours.
Foremost is a top mobile home insurer in the U.S., with a vast network of more than 38,000 agents working across the country.
Benefits & Drawbacks
⇅- Accepts applicants with credit difficulties
- Covers older mobile homes
- Provides extra coverage like debris removal and food spoilage protection
- Offers discounts to AARP members ✓
- Lacks an online application process
- Quotes may take up to 24 hours ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Established in 1949, American Modern has become one of the first to focus on mobile home insurance, particularly with tailored options for vacant or seasonal homes, making it unique among the insurers we evaluated.
American Modern does not provide replacement cost coverage for total losses. In the event of a total loss, they settle according to the stated value in your policy, without deducting depreciation. For partial losses, they pay based on actual cash value, but you can opt for replacement cost coverage for these types of losses.
Benefits & Drawbacks
⇅- Provides a mobile app to make claims reporting easy and convenient
- Has decades of industry experience in mobile home insurance ✓
- You must request quotes from an agent since they are not available online
- Does not include some discounts that can be found with other insurers ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅With attractive discounts for new homeowners, robust financial strength, and high customer satisfaction, Progressive stands out. Its website is designed for easy navigation and gives instant quotes.
The presence of a mobile app boosts the digital experience, making it easier for policyholders.
One unique feature that Progressive offers, which other insurers do not, is its “single deductible” benefit. When you bundle auto and mobile home policies, any claim you file will be subject to just one deductible.
For example, if a hailstorm causes damage to your mobile home’s roof and your car, and your deductibles are $500 each, you would only need to pay one deductible to have both fixed.
You can also benefit from a bundle discount when you combine both your mobile home and auto insurance with Progressive.
An added benefit from Progressive is the “trip collision” endorsement, providing protection for your dwelling and belongings while in transit.
Benefits & Drawbacks
⇅- Policy management is simple with the mobile app
- Replacement cost coverage is available as an option
- New homeowner discounts are available ✓
- Consumer ratings lag behind other mobile home insurance companies
- Some policies are underwritten by third parties ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Assurant stands out by covering floods, hurricanes, earthquakes, landslides, and mudslides, which are often left out of other mobile home insurance policies.
Assurant provides All Risk coverage, which protects your mobile home against sudden accidents leading to damage or loss, while noting a few exclusions. Their dwelling and personal property replacement cost coverage guarantees that your items will be replaced with new ones of similar quality without any depreciation taken into account.
Assurant extends its coverage to include nearby structures, such as sheds, fences, and standalone garages. If your home is damaged beyond repair from a covered event, they offer compensation for the extra living expenses while your home is being fixed.
Benefits & Drawbacks
⇅- Flood and earthquake coverage is included in the standard policy.
- Replacement cost coverage for your home and belongings is a standard feature. ✓
- To receive quotes, you have to call a toll-free number between 7 AM and 7 PM, as online quotes are unavailable.
- A mobile app for convenience is not available. ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅American Family may not have the same level of recognition as some larger companies, but it ranks among the top eight home insurance providers in the U.S. by market share. It offers a wide range of discounts to help policyholders lower their monthly premiums.
You can qualify for discounts from American Family through different approaches, including:
- Bundling your mobile home insurance with your auto policy.
- Equipping your home with smart technology, like Ring or Nest.
- Having a newer home acquired in the last three years.
- Utilizing features like autopay, full pay, and paperless billing to earn discounts.
One significant feature of American Family’s coverage is its diminishing deductible. On the day your policy begins, your deductible is lowered by $100, reducing a $1,000 deductible to $900. Each year at renewal, your deductible keeps decreasing until it reaches the policy’s maximum amount.
Benefits & Drawbacks
⇅- Includes a mobile app for following the status of your claims.
- Provides a range of additional coverage options.
- Offers a wide array of methods to qualify for discounts. ✓
- There have been reports of slower claims processing times. ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate ensures full coverage for everyone and extends a discount to retirees aged 55 and older, as well as original owners of mobile or manufactured homes, to help reduce policy costs. They also provide bundle discounts, a common feature among insurers.
What makes Allstate mobile home insurance different from other providers we reviewed is its “mine subsidence” coverage. This feature covers damage to your home from land shifts linked to mining operations. It also offers protection for satellite dish antennas that may get damaged.
Allstate’s standard mobile home insurance is on the same level as other providers, covering actual cash or replacement cost for both your home and personal property. The policy also includes liability protection and guest medical coverage, with optional add-ons like water backup coverage, reimbursement for green improvements, and recovery of lost electronic data.
Benefits & Drawbacks
⇅- A variety of appealing optional coverages are offered.
- Manage your policy easily with the mobile app.
- Retirees and original titleholders enjoy special discounts. ✓
- You won’t be able to get an instant quote online.
- Customer satisfaction may vary based on local agent performance. ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers delivers mobile home insurance policies in California that can be tailored to your unique requirements. With a comprehensive network of agents throughout the state, they are prepared to assist you in selecting the right coverage, deductible, and endorsements that suit your needs.
Farmers offers various endorsements, including green-home improvement options that enable you to replace your appliances and systems with energy-efficient ones after a claim. You also have the option for replacement cost coverage to provide additional personal protection, as well as identity theft coverage.
Farmers offers a variety of discounts to policyholders, including incentives for having a home security system, being a non-smoker, opting for paperless billing, maintaining a claims-free record, and bundling other policies such as car or life insurance with them.
Benefits & Drawbacks
⇅- Claim forgiveness guarantees your rates will not increase after five consecutive claim-free years.
- Covers the replacement of personal property even if it is lost or stolen while you’re away. ✓
- Ranked lowest by J.D. Power among the insurers we reviewed.
- Quotes are exclusively provided through agents; there is no online option available. ✘
Average Cost Of Home Insurance In Massachusetts
While no insurers we assessed display prices on their websites, our estimate suggests mobile home insurance in Massachusetts ranges from $40 to $125 per month. This range is influenced by your coverage limits, deductible, and additional factors discussed below.
The price of your mobile home insurance in Massachusetts is shaped by various factors:
- Location (ZIP Code): Your insurance cost depends partly on where you live.
- Home Age: The older your home, the more it could increase your insurance costs.
- Replacement Cost: Your premium is influenced by the cost to replace your mobile home.
- Coverage Limits: The amount of coverage you choose will determine your premium amount.
- Deductible: A higher or lower deductible impacts how much you’ll pay for insurance.
- Claims History: Frequent claims can raise the cost of your insurance.
All the insurers in our review provide discounts for mobile home insurance policyholders, such as combining it with your auto insurance.
Find Mobile Home Insurance In Massachusetts
Do You Need Mobile Home Insurance In Massachusetts?
Make sure to get mobile home insurance in Massachusetts. Initially, if you plan to finance your mobile home with a mortgage, your lender will almost certainly require you to have insurance.
Moreover, regardless of whether you hold a mortgage, residences throughout Massachusetts face unpredictable risks associated with severe thunderstorms that can bring destructive winds, hail, tornadoes, tropical storms, and hurricanes from the Pacific.
In the end, be sure to consult your mobile home park or community regulations to determine whether insurance is necessary for residents.
What Does Mobile Home Insurance Cover?
Mobile home policies typically come with the following coverage options:
Dwelling Coverage
This part of the policy makes sure your mobile home structure gets repaired or replaced if it suffers damage from covered incidents, with coverage up to your set limit. You’ll also select a deductible, which is the initial amount you’re responsible for before the insurance company gets involved in 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
Coverage for Other Structures
This aspect of the policy covers repair expenses for structures such as sheds, fences, or other unattached entities if they are damaged by a covered event.
Personal Property Coverage
This feature ensures that your electronics, furniture, and other belongings are repaired or replaced if they’re damaged or stolen.
Liability Insurance
Liability coverage steps in if a guest is injured and takes you to court, or if you accidentally cause property damage to others. It typically covers legal expenses as well.
What Does Mobile Home Insurance In Massachusetts Not Cover?
Mobile home insurance in Massachusetts typically excludes coverage for specific incidents.
Flooding
Damages from flooding are generally not covered. If flooding is a threat in your area, you may want to obtain flood insurance to manage this risk.
Business-Related Damage
A standard policy might not cover damages if your mobile home is used for business purposes. In such cases, a commercial insurance policy may be needed to protect your business.
Insect or Animal Infestation
Damage due to pest infestations is often not covered. Insurers expect policyholders to take care of pest prevention as part of ongoing maintenance.
Wear and Tear
Policies are designed to cover unexpected damage, not the everyday wear and tear that happens as things get older.
Earthquakes
Though earthquakes are uncommon in Massachusetts, typical mobile home insurance does not cover “earth movement” resulting from seismic activity.
How To Find The Best Mobile Home Insurance Company For You
To successfully choose the right mobile home insurance and provider, follow these steps:
- To begin, choose a minimum of three companies from our review list and ask for quotes. Receiving multiple quotes will offer you valuable insights into mobile home insurance pricing and help you secure affordable coverage.
- Assess the types of risks you need coverage for. Fire is a typical inclusion, but living near water or mountains could mean additional flood risks. Some insurers may require a separate flood insurance policy.
- Assess the worth of your special or valuable possessions. Adding their total to the value of your other belongings will help you choose the right policy limits and avoid paying too much for coverage.
- When obtaining a quote, be sure to include any major renovations, upgrades, or alterations that may influence your mobile home’s value.
Take photos and record serial numbers of valuable items, appliances, and belongings before or after requesting quotes. Safeguard this documentation in a fireproof safe or secure location, as it will be essential for claims.
How To Buy Mobile Home Insurance Online In Massachusetts
To help streamline the online mobile home insurance buying process, keep these steps in mind:
Assess Your Coverage Needs
Figure out what level of protection you need. Include both your home and your possessions to ensure appropriate property damage limits.
Obtain Online Quotes
You can get online quotes from many Massachusetts-based mobile home insurance providers. Certain websites even offer side-by-side coverage and cost comparisons to help you make an informed decision.
Submit Your Application
After selecting your desired coverage and a price within your budget, submit your insurance application. Many insurers offer online options, though some may need an in-person meeting to wrap things up.
Unique Considerations For Mobile Home Insurance In Massachusetts
Massachusetts, like other coastal states, experiences a variety of extreme weather, such as:
- Lightning
- Tornadoes
- Hurricanes
- Tropical Storms
- Wildfires
- Damaging Winds
- Hail
- Flood Damage
With these potential risks in mind, we encourage all mobile home owners in Massachusetts to maintain sufficient coverage.
How To Find Cheap Mobile Home Insurance In Massachusetts
To find economical mobile home insurance in Massachusetts, it’s advisable to obtain quotes from at least three different insurance companies. Prices can vary between insurers for standard coverage and added options, so be sure to ask about available discounts.
We also caution against picking an insurer based only on price. It’s important to check that your policy offers the right coverage limits and to ensure that you’re comparing quotes fairly.
Largest Manufactured Home Insurance Companies In Massachusetts
| Provider | Market share |
| Foremost | 4.1% |
| Progressive | 1.8% |
| State Farm | 8.34% |
| Assurant | 1.7% |
| American Modern | 2.3% |
| American Family | 4.4% |
| Allstate | 8.77% |
Our Methodology
In crafting our "Best For" selection and overall rating, we evaluated the standard and optional coverages provided by each insurer, along with customer reviews, financial stability, and satisfaction ratings. Notably, none of the insurers we analyzed share pricing details on their websites.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Is mobile home insurance more expensive in Massachusetts?
Mobile home insurance in Massachusetts is generally priced comparably to its neighboring states in the Southeast, except for Florida, where many insurers do not offer coverage for mobile homes.
Do you need mobile home insurance in Massachusetts?
Although your mortgage lender might mandate insurance for your mobile home, there’s no legal obligation to have it in the state. However, we strongly advise obtaining mobile home insurance, whether or not you have a mortgage.
How are mobile home insurance rates determined?
Numerous factors influence the rates of mobile home insurance, including where you reside, your coverage limits, deductible, and any discounts you may be able to receive.
