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Best Mobile Home Insurance In Nevada 2024

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Updated: 02 October 2024

Written by Bob Phillips

On this page Open ⇅

When looking for the best mobile home insurance, key factors to consider include coverage options and costs.

After reviewing several companies, I’ve chosen Foremost as the “Best Overall” for protecting your mobile home and personal items. With over 10 years of experience as a licensed insurance agent, I’ll work to make your decision easier, guiding you toward the best policy for your specific needs.

Best Mobile Home Insurance In Nevada 2024

In our evaluation, every company we reviewed made the list because of its unique advantages and policy features, which could match your personal situation. Keep in mind, the ideal policy for you might not be the same as what's best for a neighbour just down the road.
Here’s a quick look at the companies we chose, along with a summary of the key criteria:

Best Overall - Foremost

Runner-Up for Best Overall - Progressive

Best for Retirees - Allstate

Best for Discounts - American Family Insurance

Best for Specialized Coverage - American Modern

Best Online Experience - Assurant

Best for Endorsements - Farmers

Best Mobile Home Insurance, Nevada, 2024

Compare The Best Mobile Home Insurance In Nevada

Now that we’ve reviewed our top picks, let’s dive into a more detailed comparison of how they stack up against each other:

	Overall Rating	Best For	A.M. Best Rating	Bundle Discount	J.D. Power Cust. Satisf. Rating	Get A Quote
Foremost	4.9	Overall	A	No	868	Instant Quote
Allstate	4.9	Retirees	A+	Yes	854	Instant Quote
Farmers	4.7	Endorsements	A-	Yes	792	Instant Quote
Progressive	4.9	Runner-Up	A+	Yes	859	Instant Quote
American Modern	4.7	Specialized Coverage	A+	No	Not Rated	Instant Quote
American Family	4.9	Discounts	A	No	855	Instant Quote
Assurant	4.8	Most Comprehensive Coverage	A	No	Not Rated	Instant Quote

Scroll to see comparisons ⇄

Best Mobile Home Insurance Companies In Nevada

Bob Phillips

Best Overall

Overall Rating

4.9

Get A Quote ›

Key Statistics

10/10 Customer satisfaction/reviews

8/10 Claims/payouts

10/10 Coverage Level

8/10 Affordability

Why We Like Them

⇅

Foremost, a branch of Farmers, offers the usual range of coverage options found with other mobile home insurers, but what sets it apart is its “extended replacement cost” coverage.

The benefit of this replacement cost coverage is significant: if your mobile home is completely destroyed, you could receive up to 20% more than your policy limit.

Foremost stands out in customer satisfaction, as shown by its J.D. Power rating of 868/1,000, the highest of all the insurers we reviewed.

It’s worth noting that Foremost doesn’t provide instant online quotes through its website. After filling out the quote form, you’ll receive a quote by email within 24 hours.

As one of the largest mobile home insurance providers in the U.S., Foremost has a wide network of more than 38,000 agents representing it.

Benefits & Drawbacks

⇅

Benefits

Insures older mobile homes
Welcomes individuals with poor credit
Endorsed by AARP with discounts for members
Includes extra coverage options like debris removal and protection for food spoilage

✓

Drawbacks

Quotes may take up to 24 hours to process
Does not offer online applications

✘

Bob Phillips

Best For Specialized Coverage

Overall Rating

4.6

Get A Quote ›

Key Statistics

8/10 Customer Reviews

10/10 Claims/payouts

8/10 Coverage Level

8/10 Affordability

Why We Like Them

⇅

Founded in 1949, American Modern has established itself as one of the original companies specializing in mobile home insurance. Its expertise is in providing customized coverage, especially for vacant or seasonal mobile homes, distinguishing it from other insurers we reviewed.

It’s important to mention that American Modern doesn’t offer replacement cost coverage for total losses. In such cases, they settle according to the stated value in your policy without applying depreciation. However, for partial losses, they pay based on the actual cash value, though you can upgrade to replacement cost coverage for those losses.

Benefits & Drawbacks

⇅

Benefits

Has decades of experience and expertise in the mobile home market
Provides a dependable mobile app for easy claims reporting

✓

Drawbacks

Lacks some discounts that other insurers provide
Quotes must be obtained through an agent, as online quotes are not offered

✘

Bob Phillips

Best Overall Runner-Up

Overall Rating

4.9

Get A Quote ›

Key Statistics

8/10 Customer Reviews

10/10 Claims

8/10 Coverage Level

8/10 Affordability

Why We Like Them

⇅

Progressive shines with its attractive discounts for new homeowners, solid financial stability, and impressive customer satisfaction scores. Its website is user-friendly and offers instant quotes for convenience.

Additionally, the mobile app improves the digital experience for policyholders.

One feature that sets Progressive apart from the other mobile home insurers we reviewed is its “single deductible” option. If you bundle your mobile home and auto insurance with Progressive, any claim will only require one deductible, eliminating the need for separate deductibles.

For example, if a hailstorm damages both your mobile home’s roof and your car, and you have a $500 deductible on each policy, you would only need to pay one deductible, and both repairs will be covered.

Additionally, you can enjoy a bundle discount when you select Progressive for both your mobile home and auto insurance.

Progressive offers an additional benefit called “trip collision,” which protects your home and belongings while they’re being transported between locations.

Benefits & Drawbacks

⇅

Benefits

Discounts available specifically for new homeowners
Has a mobile app for easy policy management
Offers optional replacement cost coverage

✓

Drawbacks

Some policies are handled by third-party underwriters
Consumer ratings are lower compared to many other mobile home insurers

✘

Bob Phillips

Best For Retirees

Overall Rating

4.8

Get A Quote ›

Key Statistics

8/10 Customer Reviews

8/10 Claims/payouts

10/10 Coverage Level

9/10 Affordability

Why We Like Them

⇅

Allstate offers robust coverage for all its policyholders, with an added discount for retirees 55 and older and original owners of mobile or manufactured homes, helping to lower policy costs. They also provide a bundle discount, which is standard with many insurers.

Allstate mobile home insurance offers a special feature we didn’t find with other companies: coverage for “mine subsidence.” This protects your mobile home from damage caused by land shifts due to mining operations. Additionally, Allstate includes property coverage for damage to satellite dish antennas.

Allstate’s basic mobile home insurance is comparable to other companies, offering coverage like actual cash value or replacement cost for your home and belongings. The policy also provides liability protection and medical coverage for guests. You can also choose additional coverage options, including water backup, green improvement reimbursement after a loss, and electronic data recovery.

Benefits & Drawbacks

⇅

Benefits

Discounts are available for retirees and original titleholders.
A mobile app is provided for easy policy management.
Several appealing optional coverage options are available.

✓

Drawbacks

Customer service may vary depending on local agent performance.
Instant online quotes are not offered.

✘

Bob Phillips

Best For Endorsements

Overall Rating

4.5

Get A Quote ›

Key Statistics

4.7/10 Customer Reviews

8/10 Claims/payouts

10/10 Coverage Level

7/10 Affordability

Why We Like Them

⇅

Farmers provides mobile home insurance policies in Nevada that can be customized to fit your specific needs. With a large network of agents throughout the state, Farmers is prepared to help you choose the right coverage, deductible, and endorsements that meet your requirements.

Farmers has several endorsements, including options for green-home improvements, which allow you to upgrade your appliances and systems to energy-efficient models following a claim. You can also choose replacement cost coverage for added personal protection, as well as identity theft coverage.

Farmers offers several discounts to its policyholders, such as incentives for having a home security system, being a non-smoker, enrolling in paperless billing, keeping a claims-free record, and bundling multiple policies like car or life insurance with Farmers.

Benefits & Drawbacks

⇅

Benefits

Covers the replacement of personal property, even if it is lost or stolen while you’re away from home.
Claim forgiveness guarantees that your rates won’t go up after five consecutive years without a claim.

✓

Drawbacks

Received the lowest score from J.D. Power among the insurers we evaluated.
Quotes can only be obtained through agents; there is no option for online quotes.

✘

Bob Phillips

Best For Most Comprehensive Coverage

Overall Rating

4.5

Get A Quote ›

Key Statistics

7/10 Customer Reviews

8/10 Claims/payouts

10/10 Coverage Level

8/10 Affordability

Why We Like Them

⇅

Assurant’s All Risk coverage protects against unexpected accidents that cause loss or damage to your mobile home, although there are some exclusions. Additionally, their replacement cost coverage for both the dwelling and personal belongings guarantees that your items are replaced with new equivalents, without deducting for depreciation.

Assurant also covers structures on your property, like sheds, fences, and detached garages. If your home is severely damaged by a covered event, they provide compensation for additional living expenses while your home is being repaired.

Benefits & Drawbacks

⇅

Benefits

Replacement cost coverage for your home and belongings is part of the standard features.
The standard policy includes coverage for floods and earthquakes.

✓

Drawbacks

You must call a toll-free number between 7 AM and 7 PM for quotes since online quotes are not available.
There is no mobile app available for added convenience.

✘

Bob Phillips

Best For Discounts

Overall Rating

4.8

Get A Quote ›

Key Statistics

8/10 Customer Reviews

8/10 Claims/payouts

10/10 Coverage Level

7/10 Affordability

Why We Like Them

⇅

Although not as well-known as some bigger competitors, American Family ranks among the top eight home insurers in the U.S. based on market share. This company stands out by offering a variety of discounts that can help lower your monthly premium.

There are several ways to qualify for discounts with American Family, including:

Combining your mobile home and auto insurance policies.
Installing smart devices in your home, such as Ring or Nest.
Having a newer home that was bought within the last three years.
Taking advantage of autopay, full pay, and paperless billing options offered by the company.

A standout feature of American Family’s coverage is its diminishing deductible option. When you start your policy, your deductible decreases by $100, lowering a $1,000 deductible to $900. Then, every year at renewal, the deductible will keep decreasing until it reaches the maximum limit.

Benefits & Drawbacks

⇅

Benefits

Presents a wide variety of additional coverage choices.
Provides a mobile app for monitoring your claim status.
Offers many options to qualify for discounts.

✓

Drawbacks

Some reports suggest that claims processing may be slower.

✘

Average Cost Of Mobile Home Insurance In Nevada

Although none of the insurers we reviewed list prices on their websites, we estimate that mobile home insurance in Nevada costs between $40 and $125 per month. The price depends on your coverage limits, deductible, chosen options, and other factors discussed below.

Several factors affect the cost of your mobile home insurance policy in Nevada:

Location (ZIP Code): The area you live in helps determine your insurance rates.
Coverage Limits: The amount of coverage you select will impact your insurance premium.
Deductible: The deductible you choose influences how much you pay for insurance.
Home Age: The age of your mobile home is a factor in calculating your premium.
Replacement Cost: The expense of replacing your mobile home affects your insurance rates.
Claims History: Your previous claims record can affect the rates you’re offered.

All the insurers we reviewed provide various discounts for mobile home insurance, such as bundling with your auto insurance.

Find Mobile Home Insurance In Nevada

How To Find The Best Mobile Home Insurance Company For You

Follow these steps to successfully find the best mobile home insurance and provider for your needs:

Start by choosing at least three companies from our review list and request quotes. Getting multiple quotes will help you better understand mobile home insurance and ensure you get the right coverage without overpaying.
Decide which perils you want covered. While fire protection is typically included in mobile home policies, consider if your location near water or mountains puts you at risk of flooding. Some insurers may require you to get a separate flood insurance policy.
Evaluate the value of your valuable or unique items. By adding up the worth of these possessions along with your other belongings, you can determine the right policy limits, helping you avoid both over-insuring and overspending.
Include any recent upgrades, renovations, or major changes that could affect the value of your mobile home when asking for a quote.

Before or after requesting quotes, take photos and document the serial numbers of valuable items, appliances, and other belongings you plan to insure. Store this information in a fireproof safe or another secure place. These records will be crucial if you need to file a claim.

Do You Need Mobile Home Insurance In Nevada?

We suggest obtaining mobile home insurance in Nevada. To begin with, if you’re financing your mobile home through a mortgage, your lender will probably require you to have insurance.

Secondly, regardless of having a mortgage, homes in Nevada face unpredictable risks from severe thunderstorms, including destructive winds, hail, tornadoes, tropical storms, and possible hurricanes from the Pacific Ocean.

Finally, it’s a good idea to check your mobile home park or community regulations to see if insurance is required for residents.

What Does Mobile Home Insurance In Nevada Not Cover?

In Nevada, certain events are generally not covered by mobile home insurance.

Flooding

Damages caused by flooding are typically not covered. If you live in a flood-prone area, it’s wise to get separate flood insurance to protect against this risk.

Wear and Tear

Insurance policies generally cover sudden and accidental damage, not the regular wear and tear that happens over time as items age.

Business-Related Damage

If you use your mobile home for business purposes, a standard policy may not cover damages related to that use. You may need a commercial policy designed for your business needs.

Insect or Animal Infestation

Damage from pest infestations is usually not covered. Insurers generally expect policyholders to manage pest control as part of routine upkeep.

What Does Mobile Home Insurance Cover?

A standard mobile home insurance policy generally offers the following coverage:

Dwelling Coverage

This feature guarantees repair or replacement of your mobile home’s structure if it’s damaged by events listed in your policy. The coverage is provided up to the limit you select. You’ll also choose a deductible, which is the amount you pay before the insurance kicks in on 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

Personal Property Coverage

This section helps cover the replacement or repair of your electronics, furniture, and other belongings if they’re stolen or damaged.

Coverage for Other Structures

This clause covers repair costs for structures like sheds, fences, or other unattached property, in the event they are damaged by something listed in your policy.

Liability Insurance

Liability coverage handles claims if a guest gets injured and takes legal action, or if you accidentally damage someone else’s property. It typically includes legal costs as well.

How To Buy Mobile Home Insurance Online In Nevada

To make buying a mobile home insurance policy online easier, follow these steps:

Assess Your Coverage Needs

Figure out how much protection you need. Consider not only your home but also the value of your personal belongings to set the right property damage limits.

Submit Your Application

After selecting the coverage you need and finding an affordable price, complete your application for insurance. Many companies allow online submissions, but some may require you to meet with an agent in person.

Obtain Online Quotes

Many mobile home insurance providers in Nevada allow you to get quotes online. Some websites even offer coverage and cost comparisons to make your shopping easier.

Unique Considerations For Mobile Home Insurance In Nevada

Like other coastal states, Nevada experiences a variety of harsh weather conditions, such as:

Wildfires
Damaging Winds
Lightning
Tornadoes
Hurricanes
Tropical Storms
Hail
Flood Damage

Considering these potential risks, we recommend that all mobile home owners in Nevada secure adequate coverage.

Largest Manufactured Home Insurance Companies In Nevada

Provider	Market share
Foremost	4.1%
Assurant	1.7%
Progressive	1.8%
Allstate	8.77%
State Farm	8.34%
American Modern	2.3%
American Family	4.4%

How To Find Cheap Mobile Home Insurance In Nevada

To find affordable mobile home insurance in Nevada, it’s wise to collect quotes from at least three different insurers. Prices can vary for standard coverage and extras, so be sure to ask about any discounts.

However, we advise against choosing an insurer based only on cost. It’s crucial to verify that your policy provides adequate coverage limits and to compare quotes fairly.

Our Methodology

In developing our "Best For" selection and overall rating, we based our evaluation on the standard and optional coverages provided by each insurer, along with online reviews, financial strength, and customer satisfaction scores. It’s worth mentioning that none of the insurers we reviewed offer pricing details on their websites.

Quotes Analyzed

15+

Years Of Industry Experience

Brands Reviewed

23+

Research Hours

FAQs

Is mobile home insurance more expensive in Nevada?

Generally, mobile home insurance in Nevada is no more expensive than it is in neighboring states, where many insurers do not offer coverage for mobile homes.

Do you need mobile home insurance in Nevada?

Although your mortgage lender may require insurance for your mobile home, it isn’t mandated by state law. However, we highly recommend obtaining mobile home insurance regardless of whether you have a mortgage.

How are mobile home insurance rates determined?

Various factors affect mobile home insurance rates, including your location, chosen coverage limits, deductible, and any discounts you may be eligible for.

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