Best Mobile Home Insurance In Connecticut 2024

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.

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.

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.

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.

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.

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.

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.