Best Mobile Home Insurance Companies In New York 2024

Foremost, a subsidiary of Farmers, 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, with a J.D. Power rating of 868/1,000, the highest among the reviewed insurers.

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 is one of the largest mobile insurance providers in the U.S., with over 38,000 agents representing the company.

Progressive is attractive due to its discounts for new homeowners, high financial strength and customer satisfaction ratings, and its user-friendly website with instant quotes and a mobile app.

A notable feature is Progressive’s “single deductible” benefit, where bundling your mobile home and auto insurance means any claim applies to both policies with only one deductible.

For instance, if a hailstorm damages your mobile home’s roof and your car, you’ll only pay one deductible for both repairs.

Bundling also earns you a discount, and they provide an endorsement for “trip collision” coverage during relocation.

Farmers offers customizable mobile home insurance policies in New York, allowing policyholders to tailor coverage based on their specific needs. With agents located throughout the state, they can assist in choosing the appropriate coverage, deductible, and endorsements.

Farmers’ endorsements include green-home improvements, which let you 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 enjoy discounts including having a home security system, not smoking, enrolling in paperless billing, maintaining a claims-free history, and bundling multiple policies with Farmers’ car or life insurance.

Allstate provides comprehensive coverage for all, including discounts for retirees aged 55 and older and original titleholders of mobile or manufactured homes, making policies more economical.

Among the insurers we’ve reviewed, Allstate’s mobile home insurance is unique in that it offers “mine subsidence” coverage, protecting against damage from land movement caused by man-made mines. It also includes property protection for satellite dish antennas.

Allstate’s standard mobile home insurance is akin to what competitors offer, including features like actual cash or replacement cost coverage for the mobile home’s structure and personal belongings, liability protection, and guest medical coverage. Optional coverages include protection against water backup, reimbursement for eco-friendly improvements post-loss, and electronic data recovery.

American Modern, founded in 1949, is proud to be one of the pioneering companies in mobile home insurance.

They specialize in providing coverage for vacant or seasonal mobile homes, which sets them apart from other insurers we looked into.

However, they do not offer replacement cost for a total loss; instead, they settle at the stated value of your home listed on the policy, with no depreciation deduction. In the case of a partial loss, they pay the actual cash value, but you can upgrade to a replacement cost valuation.

Despite not being as well-known as some competitors with larger advertising budgets, American Family is among the top eight home insurers in the U.S. by market share. They provide discounts, offering ways for policyholders to reduce their monthly premiums.

Qualify for discounts with American Family by:

• Bundling your mobile home and auto insurance
• Installing smart devices like Ring or Nest
• Living in a newer home purchased within the last three years
• Using the company’s autopay, full pay, and paperless billing services.

American Family offers diminishing deductible coverage, which reduces your deductible by $100 on the first day of your policy. For example, if your deductible is $1,000, it starts at $900. Each year at renewal, your deductible decreases until it reaches the maximum limit.

Although many mobile home insurance policies exclude coverage for floods, hurricanes, earthquakes, landslides, and mudslides, Assurant provides insurance against these risks.

Assurant’s All Risk coverage protects against any sudden and accidental events that cause direct loss or damage to your mobile home, with specific exclusions. Additionally, its dwelling and personal property replacement cost coverage ensures the replacement of your home and possessions with new items of like kind and quality, without depreciation deductions.

Assurant protects adjacent structures on your property, such as sheds, fences, or standalone garages. It also compensates for additional living expenses if your home is unlivable due to a covered loss.