Best Mobile Home Insurance In Arizona 2024
Among mobile home insurance options in Arizona, Foremost is the most highly recommended.
We’ve saved shoppers an average of $450 per year on their home insurance.
Coverage details and price are crucial considerations for anyone looking for the best mobile home insurance.
I’ve reviewed numerous companies and ranked Foremost as the top option for protecting your mobile home and personal belongings. With my 10+ years of experience as a licensed insurance agent, I aim to simplify your choice and guide you to the perfect policy.
Best Mobile Home Insurance In Arizona, 2024
Each company in our review has earned its place by offering distinct benefits and policy features that could suit your personal needs. Keep in mind, the ideal policy for you may not be the same as what's best for someone living just a mile away.
Here’s an overview of our chosen companies, paired with a summary of the key criteria:
Compare The Best Mobile Home Insurance In Arizona
Having seen our winners, it’s time for a more in-depth analysis that directly compares each one:
| 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 |
| Progressive |
|
Runner-Up
|
A+
|
Yes
|
859
|
Instant Quote |
| American Modern |
|
Specialized Coverage
|
A+
|
No
|
Not Rated
|
Instant Quote |
| American Family |
|
Discounts
|
A
|
No
|
855
|
Instant Quote |
| Farmers |
|
Endorsements
|
A-
|
Yes
|
792
|
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage
|
A
|
No
|
Not Rated
|
Instant Quote |
Best Mobile Home Insurance Companies In Arizona
Runner-Up for Best Overall
Key Statistics
Why We Like Them
⇅Progressive stands out with great discounts for new homeowners, strong financial ratings, and high customer satisfaction. Its intuitive website makes getting instant quotes easy.
Furthermore, policyholders benefit from an improved digital experience thanks to the mobile app.
The “single deductible” option from Progressive is a standout feature that sets it apart from other insurers. By bundling mobile home and auto insurance, you only have to pay one deductible for claims.
In the event of a hailstorm damaging your mobile home’s roof and your car, with a $500 deductible on each policy, you’d only be responsible for one deductible, and repairs would be covered for both.
Furthermore, you can save with a bundle discount when you choose Progressive for both mobile home and car insurance.
Progressive goes further by offering “trip collision,” a feature that safeguards both your home and personal items while they are being transported.
Benefits & Drawbacks
⇅- Mobile app provides convenience for managing policies
- Offers specific discounts for new homeowners
- Replacement cost coverage can be added as an option ✓
- Some policies are underwritten by third parties
- Ratings from consumers are below average compared to other insurers ✘
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, part of the Farmers group, includes the usual mobile home coverage options, but what makes it unique is the “extended replacement cost” coverage.
This replacement cost coverage is valuable because it allows for up to 20% additional reimbursement beyond your policy limit in the event of a total loss.
Foremost leads in customer satisfaction, evidenced by its J.D. Power rating of 868/1,000, the highest among all the insurers we evaluated.
It’s important to mention that Foremost doesn’t provide instant quotes online. Once you fill out the form, your quote will be emailed to you within 24 hours.
As one of the biggest mobile home insurance providers in the U.S., Foremost is represented by a network of over 38,000 agents.
Benefits & Drawbacks
⇅- Covers older mobile homes
- Accepts people with credit problems
- Backed by AARP and includes member discounts
- Offers extra coverage options like debris removal and food spoilage protection ✓
- No online application option available
- Quote processing time is up to 24 hours ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate delivers thorough coverage and offers a discount to retirees aged 55+ and original mobile or manufactured home owners, making policies more affordable. They also present a bundle discount, as seen with most other insurers.
Unlike other insurers, Allstate mobile home insurance offers “mine subsidence” coverage, which protects your home from land movement caused by mining activities. It also includes protection for damage to satellite dish antennas.
The standard mobile home insurance policy from Allstate offers benefits on par with other companies, providing coverage for the actual cash or replacement cost of your home and belongings. It also includes liability and guest medical protection, and you can opt for extra coverage like water backup protection, reimbursement for green improvements, and electronic data recovery.
Benefits & Drawbacks
⇅- A mobile app is available for simple policy management.
- Discounts are offered to retirees and original titleholders.
- There are a number of appealing optional coverages to choose from. ✓
- You can’t get an instant online quote.
- Customer experience might differ based on how local agents perform. ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅American Modern has been a key player in mobile home insurance since 1949, particularly known for its customized coverage for vacant or seasonal mobile homes, a unique aspect among the insurers we reviewed.
While American Modern doesn’t provide replacement cost for a total loss, they settle claims based on the stated value of your home, with no depreciation. For partial losses, they use actual cash value, but there is an option to upgrade to replacement cost for these smaller claims.
Benefits & Drawbacks
⇅- Decades of experience in the mobile home market add to its expertise
- Offers a mobile app for seamless claims submission ✓
- No online quote option; quotes must be obtained through an agent
- Some discounts provided by competitors are not available ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Despite not being as widely recognized as some of its bigger competitors, American Family is still one of the top eight home insurance companies in the U.S. by market share. It distinguishes itself with multiple discounts that can help lower your monthly premiums.
Qualifying for discounts from American Family is possible through several methods, including:
- Combining your mobile home insurance with auto coverage.
- Utilizing autopay, full pay, and paperless billing features provided by the insurer.
- Equipping your residence with smart devices, such as Ring or Nest.
- Owning a newer home that was purchased within the last three years.
One remarkable aspect of American Family’s coverage is the diminishing deductible. On the day you get your policy, your deductible decreases by $100, making a $1,000 deductible only $900. Each year upon renewal, it will continue to go down until it hits the maximum limit.
Benefits & Drawbacks
⇅- Features a variety of additional coverage options.
- Offers a comprehensive range of ways to qualify for discounts.
- Includes a mobile app for checking the status of your claims. ✓
- Some reports indicate that claims may take longer to process. ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Offering customizable mobile home insurance policies in Arizona, Farmers is tailored to meet your individual needs. Their extensive network of agents across the state can help you choose the best coverage, deductible, and endorsements for your specific requirements.
Farmers features endorsements such as options for green-home improvements, which allow you to replace your appliances and systems with energy-efficient versions after a claim. Additionally, you can opt for replacement cost coverage for extra personal protection, along with coverage for identity theft.
Farmers extends multiple discounts to policyholders, including rewards for installing a home security system, being a non-smoker, enrolling in paperless billing, keeping a claims-free record, and bundling various policies such as car or life insurance with Farmers.
Benefits & Drawbacks
⇅- Covers the replacement of your personal property, even when it’s lost or stolen while traveling.
- Claim forgiveness guarantees that your rates won’t increase if you go five years without a claim. ✓
- Quotes can be obtained solely through agents; no online quoting option is available.
- Ranked lowest by J.D. Power in our assessment of insurers. ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Assurant offers a unique feature by covering floods, hurricanes, earthquakes, landslides, and mudslides, unlike many mobile home insurance policies that leave these out.
Assurant’s All Risk coverage offers protection against unexpected incidents resulting in loss or damage to your mobile home, though there are some exclusions. Additionally, their replacement cost coverage allows for your home and personal belongings to be replaced with new items of similar quality, without any depreciation deducted.
The coverage from Assurant includes structures like sheds, fences, or detached garages on your property. Should your home suffer significant damage due to a covered event, they offer compensation for any extra living expenses while your home is being repaired.
Benefits & Drawbacks
⇅- The standard policy covers floods and earthquakes.
- It includes replacement cost coverage for your home and property as a standard feature. ✓
- You must call a toll-free number from 7 AM to 7 PM for quotes, as online options are not available.
- A mobile app is not available for convenience. ✘
How To Find The Best Mobile Home Insurance Company For You
For a smooth process in choosing mobile home insurance and a suitable provider, follow these tips:
- Choose a minimum of three companies from our review and request quotes. Acquiring several quotes will give you a better understanding of mobile home insurance and help you find the right coverage without overspending.
- Identify the perils you want covered. Fire protection is a common feature, but if you live near water or mountains, flooding could be a risk, requiring separate flood insurance depending on the insurer.
- Calculate the value of your high-value or distinctive items. Adding this to the total value of your other belongings will help you establish the right policy limits, preventing over-insuring and overspending.
- Be sure to list any recent home renovations, upgrades, or alterations that could change the value of your mobile home when asking for a quote.
Document and photograph your valuable items, appliances, and other possessions marked for coverage, whether before or after requesting quotes. Store these records in a fire-resistant container or secure place for easy access in case of a claim.
Find Mobile Home Insurance In Arizona
Do You Need Mobile Home Insurance In Arizona?
I would advise getting mobile home insurance in Arizona. To start, if you’re financing your mobile home with a mortgage, your lender will probably require you to have insurance coverage in place.
Next, regardless of mortgage status, homes in Arizona are at risk of unpredictable dangers posed by severe thunderstorms featuring destructive winds, hail, tornadoes, tropical storms, and potential hurricanes from the Pacific Ocean.
Ultimately, it’s advisable to look into your mobile home park or community regulations to find out if insurance is required for residents.
What Does Mobile Home Insurance Cover?
A standard mobile home policy often contains the following coverage:
Dwelling Coverage
The coverage ensures repairs or replacements of your mobile home’s structure if it’s damaged due to a covered event, up to the limit you’ve selected. You’ll also pick a deductible, which is the amount you’ll need to cover before the 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
Coverage for Other Structures
This coverage takes care of the repair costs for non-attached structures, such as sheds or fences, when they are damaged by an event mentioned in your policy.
Personal Property Coverage
This part takes care of the repair or replacement of electronics, furniture, and other personal property if they’re stolen or suffer damage.
Liability Insurance
Liability coverage settles claims if a visitor is injured and sues you, or if you accidentally damage another person’s property. It generally includes legal fees.
What Does Mobile Home Insurance In Arizona Not Cover?
Mobile home insurance in Arizona usually doesn’t provide coverage for specific events.
Wear and Tear
Insurance generally covers sudden damage caused by accidents, while excluding the wear and tear that occurs over time.
Earthquakes
Even though earthquakes don’t occur often in Arizona, regular mobile home insurance doesn’t include coverage for “earth movement” caused by seismic events.
Business-Related Damage
If your mobile home serves a business function, damages from this use may not be covered by a typical policy. You may need a business-specific commercial policy.
Flooding
Flood damage is usually not part of the coverage. If you live in an area susceptible to flooding, purchasing separate flood insurance is recommended.
Insect or Animal Infestation:
Damage from infestations isn’t usually covered, with insurers expecting homeowners to handle pest prevention as part of routine maintenance.
Average Cost Of Home Insurance In Arizona
Though none of the insurers we assessed display prices online, we estimate mobile home insurance in Arizona costs between $40 and $125 per month. The exact cost will depend on factors like your coverage limits, deductible, and the options you select, as discussed below.
Several key factors determine the pricing of your mobile home insurance policy in Arizona:
- Replacement Cost: Insurance rates are influenced by the cost to replace your mobile home.
- Coverage Limits: The coverage level you choose will have a direct effect on your premium.
- Home Age: Older mobile homes can result in higher premiums.
- Deductible: The deductible you decide on plays a role in the total cost of your policy.
- Location (ZIP Code): The cost of your insurance depends on the area where you live.
- Claims History: Filing past claims may increase your insurance premiums.
All the insurers we analyzed offer a variety of discounts for mobile home insurance, such as bundling with auto insurance.
Largest Manufactured Home Insurance Companies In Arizona
| 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 Buy Mobile Home Insurance Online In Arizona
To make getting a mobile home insurance policy online more straightforward, take these steps:
Assess Your Coverage Needs
Consider the level of coverage you need. Take into account both your home and the value of your belongings to set appropriate property damage limits.
Obtain Online Quotes
Many Arizona mobile home insurance companies offer the convenience of online quotes. Some sites also provide tools to compare costs and coverage, helping you make a better choice.
Submit Your Application
When you’ve determined your coverage and found a price that suits you, proceed with submitting your application. Most companies accept online submissions, but some may still require a meeting with an agent.
Unique Considerations For Mobile Home Insurance In Arizona
As with any other coastal state, Arizona is vulnerable to several severe weather events, including:
- Lightning
- Tornadoes
- Hurricanes
- Tropical Storms
- Wildfires
- Damaging Winds
- Hail
- Flood Damage
In view of these risks, we suggest that all mobile home owners in Arizona confirm they have enough coverage.
How To Find Cheap Mobile Home Insurance In Arizona
To find affordable mobile home insurance in Arizona, it’s best to gather quotes from no less than three insurance providers. Rates can differ for standard and additional options, so remember to inquire about available discounts.
Still, we recommend being careful not to choose an insurer solely for the price. It’s important to confirm that your policy provides suitable coverage limits and to compare quotes appropriately.
Our Methodology
Our "Best For" selection and overall rating were based on the standard and optional coverages provided by each insurer, as well as their online reviews, financial reliability, and customer satisfaction ratings. It should be noted that none of the insurers we evaluated provide their pricing information on their websites.
Quotes Analyzed
Research Hours
Brands Reviewed
Years Of Experience
FAQs
Is mobile home insurance more expensive in Arizona?
Mobile home insurance in Arizona is in line with most other states across the country.
Do you need mobile home insurance in Arizona?
Even though your mortgage lender may stipulate insurance for your mobile home, it is not mandated by state law. Nonetheless, we strongly encourage everyone to have mobile home insurance, regardless of mortgage status.
How are mobile home insurance rates determined?
Many factors affect mobile home insurance premiums, including your geographic location, coverage limits, deductible, and any discounts for which you qualify.
Sources
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