Best Mobile Home Insurance Companies In Maryland 2024
For Maryland residents seeking the best mobile home insurance, Foremost offers competitive rates and impressive coverage.
We’ve saved shoppers an average of $450 per year on their home insurance.
Mobile homes, also referred to as manufactured homes, face challenges in obtaining insurance coverage due to their exposure to windstorms, hail, and water damage in Maryland.
If you’re seeking the best mobile home insurance policy, it’s crucial to consider factors like coverage features and cost. We’ve identified top-rated companies to assist you in your search, with Foremost named as the “Best Overall” for mobile home insurance.
Best Mobile Home Insurance Companies In Maryland 2024
Every company we've considered has earned a spot on our list due to its unique advantages and policy features that may fit your needs. The ideal policy for you may not be the same as for someone else living in a mobile home nearby.
Here's a breakdown of the shortlisted companies and key criteria:
Compare The Best Mobile Home Insurance Companies in Maryland
Now that you've seen our category winners in brief, here's a direct comparison that puts them side-by-side for easier comparison:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Cust. Satisf. Rating | Get A Quote | |
|---|---|---|---|---|---|---|
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| Foremost |
|
Overall |
A |
No |
868 |
Instant 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 |
Best Mobile Home Insurance Companies In Maryland
Best Overall
Key Statistics
Why We Like Them
⇅Foremost, a subsidiary of Farmers, offers standard and optional coverage similar to other mobile home insurers, but its standout feature is the “extended replacement cost” coverage.
This coverage provides reimbursement up to 20% above the value of your policy limit if your mobile home is completely destroyed.
Foremost is recognized for its excellent customer satisfaction, achieving a J.D. Power rating of 868/1,000, the highest among the insurers reviewed.
However, Foremost does not provide instant quotes on its website; instead, you’ll receive an email quote within 24 hours after submitting your information.
Despite this, Foremost remains one of the largest mobile insurance providers in the U.S., with over 38,000 agents representing the company.
Benefits & Drawbacks
⇅- AARP-endorsed with discounts available for members
- Insures individuals with credit issues
- Specializes in policies for older mobile homes
- Provides a good range of additional coverage options, including debris removal and food spoilage ✓
- No online application process offered
- Quotes may take up to 24 hours to receive ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅While standard mobile home insurance policies often exclude floods, hurricanes, earthquakes, landslides, and mudslides, Assurant offers coverage for these risks to its policyholders.
Assurant’s All Risk coverage safeguards against sudden and accidental events causing direct loss or damage to your mobile home, with a few exceptions. Moreover, its dwelling and personal property replacement cost coverage ensures the replacement of your home and belongings with new items of similar quality, without depreciation deductions.
Assurant provides coverage for adjacent structures on your property, such as sheds, fences, or standalone garages. Additionally, it covers additional living expenses if your home is rendered unlivable by a covered loss.
Benefits & Drawbacks
⇅- Includes flood and earthquake protection in standard policies
- Offers replacement cost coverage for both home and property ✓
- Online quotes are not provided; customers must call the toll-free number within specified hours
- No mobile app is available for managing policies ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate provides extensive insurance coverage for all, with special discounts for retirees aged 55 and older and original titleholders of mobile or manufactured homes, aiming to make policies more accessible.
Allstate’s mobile home insurance stands out because of its “mine subsidence” coverage, which protects against damage from land movement caused by man-made mines. Additionally, it offers property protection for satellite dish antennas.
Allstate’s standard mobile home insurance is comparable to its competitors, providing features such as actual cash or replacement cost coverage for the mobile home structure and personal property, liability protection, and guest medical protection. Optional coverages include protection against water backup, reimbursement for green improvements post-loss, and electronic data recovery.
Benefits & Drawbacks
⇅- Discounts available for retirees and original title holders
- Convenient mobile app for customer use
- Provides a variety of beneficial optional coverage options ✓
- Customer satisfaction levels may depend on your local agent
- Online quotes are not immediately accessible ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Since its establishment in 1949, American Modern has been one of the leading companies in mobile home insurance.
Their focus on covering vacant or seasonal mobile homes sets them apart from other insurers we researched.
They do not offer replacement cost for a total loss but settle at the stated value of your home listed on the policy, without any depreciation deduction. 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 robust mobile app for efficient claim reporting
- Has decades of experience and expertise in the mobile home sector ✓
- Quotes must be obtained through agents; online quoting is not offered
- Some discounts available with other insurers are not provided ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive stands out with its discounts for new homeowners, strong financial stability, and high customer satisfaction ratings.
Their website is easy to navigate, providing instant quotes, and they offer a mobile app.
A unique benefit is Progressive’s “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 example, if a hailstorm damages your mobile home’s roof and your car, 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
⇅- Offers replacement cost coverage
- Discounts for new homeowners
- Mobile app available for customer use ✓
- Consumer ratings are less satisfactory than those of many other mobile home insurers
- Some policies are underwritten by third-party companies ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅While American Family might not have the same level of visibility as some competitors, it’s still a major player in the U.S. home insurance market, ranking among the top eight insurers. They offer discounts to help policyholders lower their monthly premiums.
To receive discounts with American Family:
- Combine your mobile home and auto insurance
- Install smart devices like Ring or Nest
- Live in a newer home purchased within the last three years
- Opt for the company’s autopay, full pay, and paperless billing options.
American Family offers diminishing deductible coverage, which means your deductible decreases by $100 when you start your policy. If your deductible is $1,000, it starts at $900. Then, each year when you renew, your deductible will continue to decrease until it reaches the maximum limit set by your policy.
Benefits & Drawbacks
⇅- Provides a large number of ways to qualify for discounts
- Mobile app available for monitoring claim status
- Variety of additional coverage options offered ✓
- Reports suggest occasional delays in claims processing ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Farmers offers customizable mobile home insurance policies in Maryland, allowing you to customize coverage to your liking. With agents located throughout the state, they can help you choose the right coverage, deductible, and endorsements.
Farmers’ endorsements offer green-home improvements, allowing you to upgrade appliances and systems to energy-efficient models after making a claim. Additionally, you can opt for replacement cost coverage for extra personal protection and identity theft coverage.
Policyholders with Farmers can benefit from discounts such as having a home security system, being non-smokers, enrolling in paperless billing, maintaining a claims-free history, and bundling multiple policies with Farmers’ car or life insurance.
Benefits & Drawbacks
⇅- Claim forgiveness ensures your rates stay the same after five continuous years without claims
- Provides coverage for replacing lost or stolen personal property, even when you're not present at home ✓
- Quotes can only be obtained through agent interaction
- Received the lowest J.D. Power rating among the insurers we assessed ✘
Do You Need Mobile Home Insurance In Maryland?
Mobile home insurance is essential in Maryland. If you’re financing your mobile home purchase, your lender will probably mandate it.
Plus, Maryland homes are susceptible to severe weather like thunderstorms, hail storms, tornadoes, and hurricanes.
It’s also a good idea to confirm with your mobile home park or community about insurance obligations for residents.
What Does Mobile Home Insurance Cover?
The typical mobile home insurance policy typically offers a comprehensive set of coverage options to protect against various risks:
Dwelling Coverage
If your mobile home’s structure is damaged by events covered in your policy, this coverage will pay for repair or replacement costs up to the limit you’ve chosen. You’ll also need to choose a deductible, which is the amount you must pay before the insurer starts covering the 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 detached structure if it’s damaged by a covered event.
Personal Property Coverage
This coverage also pays for replacing or repairing electronics, furniture, and other belongings if they’re damaged or stolen.
Liability Insurance
Additionally, it covers injuries to visitors who sue you or if you accidentally cause property damage or injuries to others, including related legal expenses.
What Does Mobile Home Insurance In Maryland Not Cover?
Every insurance policy has its exclusions. Mobile home insurance in Maryland typically doesn’t cover certain types of damage.
Flooding
For instance, flood damage isn’t covered, so if you live in an area prone to floods, it’s recommended to obtain separate flood insurance.
Earthquakes
While earthquakes are rare in Maryland, mobile home insurance doesn’t include protection against earth movement.
Wear and tear
Additionally, insurance won’t reimburse for normal wear and tear.
Insect or animal infestation
Pest prevention costs are typically not covered by insurance policies since they’re considered part of the homeowner’s regular maintenance responsibilities.
Damage associated with the use of your mobile home for business purposes
If you conduct business from your mobile home, you may need a commercial policy.
Average Cost Of Home Insurance In Maryland
Although no insurers we reviewed provide pricing details on their websites, we estimate that the monthly cost of mobile home insurance in Maryland usually ranges from $40 to $125.
This range depends on factors like coverage limits, deductible, selected options, and other factors described below.
Numerous factors contribute to the cost of your mobile home insurance policy in Maryland, 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
Each of the insurance companies we’ve evaluated provides different types of discounts to mobile home insurance policyholders, such as the opportunity to bundle your coverage with auto insurance.
Largest Mobile Home Insurance Companies In Maryland
| Provider | Market share |
| State Farm | 19% |
| Allstate | 12% |
| USAA | 7% |
How To Buy Mobile Home Insurance Online In Maryland
These steps streamline the process of buying mobile home insurance online, making it convenient and straightforward.
- Calculate the necessary protection by adding together the value of your mobile home’s contents and the dwelling. This will give you an idea of the property damage limits needed to replace your home and valuables.
- Seek an online quote. Most companies that provide mobile home insurance in Maryland provide the option for you to obtain an online quote. Some websites also offer coverage and cost comparisons, making online shopping for insurance more convenient.
- Finish the application process. Once you’ve arrived at the coverage amount you need for a price you can afford, complete an application for coverage. While many insurers offer online application options, some may require you to meet with an agent to finalize the application.
Unique Considerations For Mobile Home Insurance In Maryland
Similar to Florida, Maryland is vulnerable to different kinds of severe weather events, including:
- Wildfires
- Damaging winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical storms
- Hail
- Flood damage
Thus, it’s advisable for every mobile home-owner in Maryland to ensure they have the right coverage.
How To Find Cheap Mobile Home Insurance In Maryland
When looking for cheap mobile home insurance in Maryland, request quotes from at least three insurance companies. Prices for basic coverage and options may vary, so inquire about discounts.
Make sure you’re not solely focused 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 analyzing each insurer's standard and optional coverage offerings, online reviews, financial stability, and customer satisfaction scores. Pricing information was not accessible online for any of the insurers we reviewed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Is mobile home insurance more expensive in Maryland?
Typically, mobile home insurance in Maryland is no more expensive than it is in 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 Maryland?
Your mortgage company may require insurance on your mobile home, though it’s not mandated by state law in Maryland. Nonetheless, we highly recommend having mobile home insurance, with or without a mortgage.
How are mobile home insurance rates determined?
Mobile home insurance rates are calculated based on factors such as your location, coverage limits, deductible, and any discounts you qualify for.
