Best Mobile Home Insurance In Connecticut 2024
Foremost stands out for its superior mobile home insurance policies in Connecticut.
We’ve saved shoppers an average of $450 per year on their home insurance.
Mobile homes, or manufactured homes, face distinct risks from windstorms, hail, and water damage, which can make it difficult to qualify for insurance coverage in Connecticut.
When searching for the best mobile home insurance policy, it’s essential to consider factors such as coverage features and cost. To help you find the ideal coverage for your needs, we’ve identified the top-rated companies, with Foremost chosen as the “Best Overall” for mobile home insurance.
Best Mobile Home Insurance Companies In Connecticut 2024
Every company we've looked into has been included in our list because they provide different benefits and policy features that could be the right fit for you. What works best for you might not be the best choice for someone else in a nearby mobile home.
Below are the companies we've narrowed down, along with key criteria.
![foremosticon-logo](https://www.insuranceopedia.com/wp-content/uploads/2023/08/foremosticon-logo.png)
![progressiveicon-logo](https://www.insuranceopedia.com/wp-content/uploads/2023/07/progressiveicon-logo.png)
![allstateicon-logo](https://www.insuranceopedia.com/wp-content/uploads/2023/07/allstateicon-logo.png)
![americanfamilyicon-logo](https://www.insuranceopedia.com/wp-content/uploads/2023/08/americanfamilyicon-logo.png)
![americanmodernicon-logo](https://www.insuranceopedia.com/wp-content/uploads/2023/08/americanmodernicon-logo.png)
![assuranceamericaicon-logo](https://www.insuranceopedia.com/wp-content/uploads/2023/07/assuranceamericaicon-logo.png)
![farmersicon-logo](https://www.insuranceopedia.com/wp-content/uploads/2023/07/farmersicon-logo.png)
Compare The Best Mobile Home Insurance In Connecticut
Here's a direct comparison of our category winners so you can see them side-by-side after getting a glimpse of each one:
Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Cust. Satisf. Rating | Get A Quote | |
---|---|---|---|---|---|---|
American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
Best Mobile Home Insurance Companies in Connecticut
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive stands out for its discounts for new homeowners, strong financial stability, and high customer satisfaction ratings.
Their website is easy to use, offering instant quotes, and they provide a mobile app.
Progressive offers a unique benefit with its “single deductible” feature, where bundling your mobile home and auto insurance means any claim applies to both policies with only one deductible to pay.
For instance, if your mobile home’s roof and your car are damaged in a hailstorm, you’ll only pay one deductible for repairs.
Bundling also earns you a discount, and they provide an endorsement for “trip collision” coverage during relocation.
Benefits & Drawbacks
⇅- Provides replacement cost coverage options
- Includes a mobile app for easy access
- Offers discounts tailored for new homeowners ✓
- Consumer ratings are less positive compared to many other mobile home insurers
- Certain policies are underwritten by third-party companies ✘
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a Farmers subsidiary, offers standard and optional coverage similar to other mobile home insurers, but its most notable feature is the “extended replacement cost” coverage.
With this coverage, you can be reimbursed up to 20% above the value of your policy limit if your mobile home is completely destroyed.
Foremost excels in customer satisfaction, boasting a J.D. Power rating of 868/1,000, the highest among the reviewed insurers.
However, Foremost does not offer instant quotes on its website; instead, you’ll receive an email quote within 24 hours after submitting your information.
Nonetheless, Foremost remains one of the largest mobile insurance providers in the U.S., with over 38,000 agents representing the company.
Benefits & Drawbacks
⇅- Backed by AARP with member discounts offered
- Accepts applicants with credit difficulties
- Specializes in policies for older mobile homes
- Extensive range of additional coverage, including debris removal and food spoilage ✓
- Application process is not available online
- Quote processing time can take up to 24 hours ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate offers comprehensive insurance for all, with discounts available for retirees aged 55 and above and original titleholders of mobile or manufactured homes, making policies more affordable.
Allstate’s mobile home insurance is unique among the insurers we’ve looked at because it offers coverage for “mine subsidence,” which protects against damage caused by land movement from man-made mines. It also provides property protection for satellite dish antennas.
Allstate’s basic mobile home coverage is on par with its competitors, offering features like actual cash or replacement cost coverage for the mobile home’s structure and personal belongings, liability protection, and guest medical coverage. Optional add-ons include protection against water backup, reimbursement for eco-friendly upgrades post-loss, and electronic data recovery.
Benefits & Drawbacks
⇅- Discounts available for retirees and original title holders
- Features a mobile app for easy access
- Provides a range of good optional coverage choices ✓
- Customer satisfaction may depend on your local agent
- Online quotes are not available instantly ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅American Modern, founded in 1949, prides itself on being one of the pioneering companies in mobile home insurance.
They stand out by offering coverage for vacant or seasonal mobile homes, which is a unique service compared to others we’ve reviewed.
However, they don’t provide replacement cost for a total loss; instead, they settle at the stated value of your home listed on the policy, with no deduction for depreciation. In the event of a partial loss, they pay the actual cash value, but you have the option to upgrade to a replacement cost valuation.
Benefits & Drawbacks
⇅- Offers a reliable mobile app for easy claim reporting
- Brings decades of experience and expertise in the mobile home market ✓
- Requires quotes to be obtained from an agent; no online quoting
- Some discounts available with other insurers are not offered ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Most mobile home insurance policies exclude coverage for floods, hurricanes, earthquakes, landslides, and mudslides, but Assurant provides protection against these risks.
Assurant’s All Risk coverage safeguards against sudden and accidental events causing direct loss or damage to your mobile home, with some exclusions. Furthermore, its dwelling and personal property replacement cost coverage replaces your home and belongings with new items of comparable quality, without depreciation deduction.
Assurant includes coverage for adjacent structures on your property, such as sheds, fences, or standalone garages. It also reimburses additional living expenses if your home becomes unlivable due to a covered loss.
Benefits & Drawbacks
⇅- Standard coverage includes protection against floods and earthquakes
- Replacement cost coverage is standard for both your home and belongings ✓
- Quotes cannot be obtained online; you must call the toll-free number during specified hours
- No mobile app is available for managing policies ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅While American Family might not be as well-known as some other insurers that spend big on advertising, it’s still a significant player in the home insurance market, ranking among the top eight in the U.S. They provide multiple discounts, giving customers opportunities to save on their monthly premiums.
American Family offers discounts to customers who:
- Bundle their mobile home and auto insurance
- Install smart devices like Ring or Nest in their homes
- Reside in newer homes bought within the past three years
- Utilize the company’s autopay, full pay, and paperless billing features.
American Family offers diminishing deductible coverage, where your deductible reduces by $100 when you buy your policy. For example, if your deductible is $1,000, it will start at $900. Each year when you renew, your deductible will keep decreasing until it reaches the maximum limit set by your policy.
Benefits & Drawbacks
⇅- Provides a wide range of discount qualification options
- Offers a mobile app to monitor claim status
- Includes a variety of additional coverage choices ✓
- Reports suggest occasional delays in claims processing ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers provides customizable mobile home insurance policies in Connecticut, allowing you to tailor coverage to your unique requirements. Their agents across the state can help you select the right coverage, deductible, and endorsements.
Farmers’ endorsements include green-home improvements, enabling you to upgrade appliances and systems to energy-efficient models following a claim. Additionally, you can enroll in replacement cost coverage for enhanced personal protection and identity theft coverage.
Farmers provides discounts to policyholders who have a home security system installed, are non-smokers, opt for paperless billing, maintain a claims-free history, and bundle multiple policies with Farmers’ car or life insurance.
Benefits & Drawbacks
⇅- Maintain stable rates with claim forgiveness after five continuous claim-free years
- Provides replacement coverage for lost or stolen personal belongings, even when you're traveling ✓
- Obtaining a quote requires contacting an agent
- Ranked lowest in J.D. Power scores compared to the insurers we evaluated ✘
Average Cost Of Home Insurance In Connecticut
While none of the insurers we assessed offer pricing details on their websites, we project that the monthly expense of mobile home insurance in Connecticut usually falls between $50 and $110.
This figure depends on factors like coverage limits, deductible, selected options, and other elements outlined below.
Many factors affect the price of your mobile home insurance policy in Connecticut, including:
- Where you live (zip code)
- The age of your home
- The cost to replace your home
- The limits and coverage you select
- Your deductible
- Your claims history
All the insurers we’ve reviewed provide different discounts for mobile home insurance policyholders, including the chance to bundle your coverage with auto insurance.
Do You Need Mobile Home Insurance In Connecticut?
Mobile home insurance is important in Connecticut for several reasons. If you’re getting a mortgage for your mobile home, your lender will probably require it.
It’s also worth checking with your mobile home park or community to see if insurance is mandatory for residents.
What Does Mobile Home Insurance Cover?
Standard coverage for a mobile home policy typically includes various types of protection:
Personal Property Coverage
This coverage also pays for replacing or repairing electronics, furniture, and other belongings if they’re damaged or stolen.
Dwelling Coverage
This insurance coverage is responsible for covering the cost of repairing or replacing your mobile home’s structure in the event of damage caused by covered incidents, up to the limit you’ve chosen. You’ll also need to choose a deductible, which is the amount you’ll pay out of pocket before the insurer pays for an approved claim.
Generally covered events include:
- Fire
- Lightning
- Explosions
- Vandalism
- Falling objects
- Wind and hail
- Weight of ice and snow
- Damage from wild or stray animals
- Burst pipes
Other Structures Coverage
Pays for repairing a shed, fence, or other structure not attached to your mobile home if it’s damaged by a covered event.
Liability Insurance
Additionally, it covers you if a visitor is hurt and sues you or if you accidentally cause property damage or injuries to others, including related legal expenses.
What Does Mobile Home Insurance In Connecticut Not Cover?
Every insurance policy comes with exclusions. Mobile home insurance in Connecticut usually doesn’t cover certain types of damage. If you run a business from your mobile home, you may require a commercial policy.
Flooding
For example, flood damage isn’t covered, so if you live in an area prone to flooding, it’s recommended to get separate flood insurance.
Earthquakes
While earthquakes are uncommon in Connecticut, mobile home insurance doesn’t include protection against earth movement.
Wear and tear
Insurance doesn’t pay for normal wear and tear.
Insect or animal infestation
Pest prevention is typically not covered by insurance policies as it is part of the homeowner’s regular maintenance responsibilities.
Damage associated with the use of your mobile home for business purposes
If you run a business from your mobile home, you may require a commercial policy.
Largest Mobile Home Insurance Companies In Connecticut
Provider | Market share |
Progressive | 8.5% |
State Farm | 5.7% |
USAA | 3.91% |
How To Buy Mobile Home Insurance Online In Connecticut
These steps simplify the process of purchasing mobile home insurance online, making it easy and efficient.
- Calculate the level of protection needed by adding up the value of your mobile home’s contents and the dwelling. This will give you an idea of the property damage limits necessary for replacing your home and valuables.
- Seek an online quote. Most mobile home insurance companies in Connecticut provide the option for you to obtain a quote online. Some websites also offer coverage and cost comparisons, making online shopping for insurance more convenient.
- Complete the application. Once you’ve determined the coverage amount you can afford, fill out an application for coverage. While many insurers’ websites allow you to apply online, some may require you to meet with an agent to complete the application.
How To Find Cheap Mobile Home Insurance In Connecticut
Obtain quotes from at least three insurance companies to find affordable mobile home insurance in Connecticut. Rates may differ for basic coverage and options, so be sure to ask about available discounts.
Remember not to base your decision solely on price. Ensure you have the right coverage limits and compare quotes accurately.
Our Methodology
Our "Best For" list and overall rating were determined by assessing each insurer's standard and optional coverage options, online feedback, financial strength, and customer satisfaction scores. Unfortunately, pricing information was not available online for any of the insurers we examined.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Is mobile home insurance more expensive in Connecticut?
Mobile home insurance in Connecticut is generally priced comparably to its 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 Connecticut?
While there’s no state law in Connecticut that requires insurance for mobile homes, your mortgage company might mandate it. However, we strongly recommend having mobile home insurance, regardless of whether you have a mortgage.
How are mobile home insurance rates determined?
Your mobile home insurance rates are based on factors like your location, coverage limits, deductible, and any discounts you qualify for.
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