Best Mobile Home Insurance In Ohio For 2024
Foremost Emerges as top pick for mobile home insurance in Ohio, based on our investigation into various quotes and policy comparisons.
We’ve saved shoppers an average of $450 per year on their home insurance.
Mobile homes, also referred to as “manufactured homes,” require specialized coverage to ensure the protection of both your residence and belongings. Due to their vulnerability to severe windstorms, hail, and water-related damage, it can be difficult to qualify for mobile home insurance in Ohio.
As you embark on your journey to find the perfect mobile home insurance policy for your family, various factors require careful consideration, such as cover features and costs.
To help you find the most suitable and cost-effective coverage, we’ve selected the best insurance providers. Among these, Foremost stands out as the “Best Overall” choice for mobile home insurance. It provides comprehensive protection for your dwelling and property.
Best Mobile Home Insurance Companies In Ohio 2024
You'll find each company highlighted on our list stands out for its unique strengths and policy features. Your specific circumstances play a pivotal role in determining the ideal policy for your needs. The perfect policy for you could differ from that of your neighbor living just a mile away in a different mobile home.
Below, we present the companies we've selected along with a brief summary of essential criteria.
Compare The Best Mobile Home Insurance Companies In Ohio
Having introduced the winners in their respective categories, let's delve into a more comprehensive comparison that compares them side by side:
| Overall Rating | Bundle Discount | J.D. Power Rating /1000 | Best For | A.M. Best Rating | Get A Quote | |
|---|---|---|---|---|---|---|
| Foremost |
|
No |
868 |
Overall |
A |
Instant Quote |
| American Family |
|
No |
855 |
Discounts |
A |
Instant Quote |
| American Modern |
|
No |
Not Rated |
Specialized Coverage |
A+ |
Instant Quote |
| Allstate |
|
Yes |
854 |
Retirees |
A+ |
Instant Quote |
| Progressive |
|
Yes |
859 |
Runner-Up |
A+ |
Instant Quote |
| Farmers |
|
Yes |
792 |
Endorsements |
A- |
Instant Quote |
| Assurant |
|
No |
Not Rated |
Most Comprehensive Coverage |
A |
Instant Quote |
Our Methodology
In picking our "Best For" picks and overall ratings, we meticulously assessed each insurer's standard and optional coverage options, online feedback, financial strength, and customer satisfaction ratings. Regrettably, none of the insurers we reviewed provided pricing details online.
Quotes Analyzed
Research Hours
Years Of Experience
Brands Reviewed
Best Mobile Home Insurance Companies In Ohio
Best Overall
Key Statistics
Why We Like Them
⇅Operating as a subsidiary under the Farmers umbrella, Foremost offers the standard and optional coverage that you’ll find with other mobile home insurers. However, its standout feature is the “extended replacement cost” coverage it provides
With Foremost’s replacement cost coverage, should your mobile home suffer a total loss, you’re entitled to a reimbursement of up to 20% beyond the value of your policy limit.
Foremost doesn’t merely excel in coverage; it also stands out for high customer satisfaction. Having an impressive J.D. Power customer satisfaction rating of 868 out of 1,000, it outperforms all other insurers in our assessment.
Unfortunately, Foremost doesn’t provide immediate quotes on its website. Instead, upon submitting your information through a quote form, anticipate receiving an email quote within 24 hours.
Ranked among the nation’s largest mobile insurance providers, Foremost boasts a robust network of over 38,000 agents representing the company.
Benefits & Drawbacks
⇅- Backed by AARP endorsement and provides member discounts
- Accepts individuals with credit difficulties
- Extends coverage to older mobile homes
- Offers a wide array of extra coverage options, including debris removal and food spoilage protection ✓
- Lacks online application capability
- Quote processing time can take up to 24 hours ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive distinguishes itself through an array of attractive features. These include appealing discounts for new homeowners, high financial stability, top-tier customer satisfaction ratings, and a user-friendly digital platform. Progressive’s website is very easy to navigate, allowing for instant quotes. The availability of a mobile app further enriches the overall user experience.
A unique offering by Progressive is the “single deductible” advantage, an exclusive feature within the mobile home insurance landscape. When you bundle your mobile home and auto insurance with Progressive, any claims submitted for either policy are linked. As a result, the requirement for separate deductibles for each policy is eliminated.
For example, imagine a hailstorm damages both your mobile home’s roof and your car. With a $500 deductible for both policies, you’re only responsible for a single deductible payment, covering repairs for both assets.
Additionally, Progressive extends a bundle discount to those who bundle their mobile home and auto insurance policies with the company.
Furthermore, Progressive offers an endorsement option for “trip collision,” designed to protect your dwelling and personal belongings when it is being moved between locations.
Benefits & Drawbacks
⇅- Presents replacement cost coverage as an option
- Features discounts designed for new homeowners
- Includes a user-friendly mobile app for convenience ✓
- Attains consumer ratings that are less favorable when compared to many other mobile home insurers
- Underwrites certain policies through third-party companies ✘
Best for Discounts
Key Statistics
Why We Like Them
⇅While perhaps not as universally recognized as some major competitors, who boast large advertising budgets, American Family holds a top spot among the best eight home insurers in the United States in terms of market share.
This insurer’s distinctiveness is shown through an array of discounts, offering you a variety of ways to trim your monthly premium costs.
Qualifying for discounts with American Family is achievable by:
- Bundling your mobile home and auto insurance
- Equipping your residence with smart devices like Ring or Nest
- Residing in a recently acquired home within the past three years
- Utilizing the company’s autopay, full pay, and paperless billing conveniences
Moreover, American Family introduces a diminishing deductible feature. Starting from day one, this provision credits your deductible by $100.
A $1,000 deductible immediately becomes $900 upon policy purchase. This deductible reduction continues annually upon policy renewal, gradually decreasing your deductible until reaching the policy’s maximum limit.
Benefits & Drawbacks
⇅- Provides a wide array of pathways to qualify for discounts
- Includes a mobile app to conveniently track claim status
- Offers a diverse selection of supplementary coverage options ✓
- Some policyholders have expressed experiencing delays in claims processing ✘
Best for Endorsements
Key Statistics
Why We Like Them
⇅Crafted to cater to individual needs, Farmers’ mobile home insurance policies in Ohio come with lots of customizable options. With an extensive network of agents spread across the state, Farmers ensures personalized guidance when it comes to choosing suitable coverage, deductible levels, and endorsements.
Farmers presents an array of endorsements, including green-home improvements to upgrade appliances and systems to energy-efficient models after a claim. Additionally, you have the choice to opt for replacement cost coverage, adding an additional layer of personal protection, along with identity theft coverage.
Moreover, Farmers extends some discounts to policyholders. These include having a home security system in place, embracing a smoke-free lifestyle, opting for paperless billing, having a history devoid of claims, and consolidating multiple policies—be it car or life insurance—under the Farmers’ umbrella.
Benefits & Drawbacks
⇅- Presents claim forgiveness, avoiding rate increases after five continuous claim-free years
- Covers lost or stolen personal property, even during your absence from home ✓
- Quote acquisition process is confined to agent interaction
- Received the lowest J.D. Power score among the evaluated insurers ✘
Best for Specialized Coverage
Key Statistics
Why We Like Them
⇅Having been established in 1949, American Modern proudly claims to be one of the first companies to specialize in mobile home insurance.
Setting itself apart through specialized coverage, American Modern extends protection to owners of mobile homes that may be vacant or used seasonally. This distinct offering wasn’t found among the other mobile home insurance providers we reviewed.
Nonetheless, it’s important to note that American Modern does not provide replacement cost coverage in the event of a total loss. Instead, settlements are based on the stated value of your home, as outlined in your policy, without accounting for depreciation.
In cases of partial loss, compensation corresponds to the actual cash value of the loss. However, there’s an available option to upgrade to a replacement cost valuation.
Benefits & Drawbacks
⇅- Presents a robust mobile app for streamlined claims reporting
- Demonstrates an extensive grasp of the mobile home market cultivated through years of experience ✓
- Quote acquisition is limited to agent interaction; no online quotes accessible
- Doesn't extend certain discounts available from other insurers ✘
Best for Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Unlike other insurance providers, Assurant offers coverage for events like floods, hurricanes, earthquakes, landslides, and mudslides.
Assurant’s All Risk coverage protects against sudden and accidental events, resulting in direct loss or damage to your mobile home, with certain exceptions.
Moreover, its coverage extends to replacement costs for both your dwelling and personal belongings. This ensures that your assets are replaced with new items of comparable quality, without accounting for depreciation.
Comprehensive in its scope, Assurant also factors in adjacent structures on your property, which can include sheds, fences, or standalone garages. Furthermore, the insurer takes on the responsibility of additional living expenses if your home becomes uninhabitable due to a covered loss.
Benefits & Drawbacks
⇅- Incorporates coverage for floods and earthquakes within the standard policy
- Offers replacement cost coverage for your home and property by default ✓
- Quote acquisition necessitates a call to a toll-free number between 7 am and 7 pm; no online quotes provided
- Does not feature a mobile app for seamless access and management ✘
Best for Retirees
Key Statistics
Why We Like Them
⇅Allstate stands out as an inclusive coverage provider, catering to a diverse range of individuals. However, it offers special discounts to retirees aged 55 and above, and original titleholders of their mobile or manufactured homes, making their policy more affordable. Additionally, like other insurers, Allstate offers a bundle discount.
Distinguishing itself from the other insurers under our review, Allstate’s mobile home insurance presents a distinctive feature: “mine subsidence” coverage. This attribute protects against damage to your mobile home stemming from movement of land, caused by man-made mining activities. Furthermore, Allstate includes property protection against damage to satellite dish antennas.
Allstate’s standard mobile home coverage is much like other insurers. It has benefits that include; actual cash or replacement cost coverage for your mobile home structure and personal belongings, liability protection, and guest medical coverage. Additionally, optional coverage selections encompass safeguards against water backup, reimbursement for environmentally friendly enhancements post-loss, and electronic data recovery.
Benefits & Drawbacks
⇅- Presents specialized discounts for retirees and original title holders
- Includes a convenient mobile app for enhanced user experience
- Offers a diverse selection of valuable optional coverage choices ✓
- Customer experiences may exhibit variability depending on your local agent
- Immediate online quotes are not available ✘
How To Find The Best Mobile Home Insurance Company For You
In order to find the best mobile home insurance and identifying the right provider for you, follow these simple steps:
- Select a minimum of three companies from our reviewed list to gather quotes. Getting multiple quotes will make you more knowledgeable about mobile home insurance, preventing you from overpaying for coverage.
- Consider the perils you want to protect against. While fire protection is the standard, consider whether your residence is situated near water or mountains susceptible to flooding. In such instances, it might be smart to look into a separate flood insurance policy, depending on the insurer.
- Think about any valuable or unique possessions you own. Calculating their collective value, combined with other belongings, helps you in determining the right policy limits, preventing you from over-insuring and overspending.
- Factor in any upgrades, renovations, or significant alterations that might impact your mobile home’s value when seeking a quote.
Ideally, before or after obtaining quotes, take photographs and document serial numbers for your valuable items, appliances, and other possessions earmarked for coverage. Safeguard this information in a durable, fire-resistant container or at an alternate secure location. This data proves invaluable in the event of a future claim.
Find Mobile Home Insurance In Ohio
Do You Need Mobile Home Insurance In Ohio?
We believe mobile home insurance is essential in Ohio, The Buckeye State.
Firstly, if you’re planning to secure a mortgage for your mobile home, it’s likely that your lender will require insurance coverage.
Secondly, every home in Ohio, whether mortgaged or not, is exposed to the unpredictable risks posed by severe thunderstorms with damaging winds, hailstorms, tornadoes, and even the potential for flooding.
Lastly, it’s recommended to check with your mobile home park or community to see if mobile home insurance is a requirement for residents.
What Does Mobile Home Insurance Cover?
A standard mobile home policy generally has the following coverage:
Dwelling coverage
This aspect handles the cost of repairing or replacing your mobile home’s structure if it’s damaged by events covered by your policy, up to the limit you opt for. You’ll also pick a deductible, which you must pay before the insurer contributes to an approved claim.
Events usually covered consist of:
- 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
This covers the cost of repairs to structures not physically connected to your mobile home, such as sheds or fences, if they’re damaged by a covered event.
Personal property coverage
This coverage covers the costs for repairing or replacing electronics, furniture, and other belongings that are damaged or stolen.
Liability insurance
Pays out if a visitor is injured and takes legal action, or if you accidentally cause property damage or injuries to others. Liability insurance often encompasses related legal costs.
What Doesn’t Mobile Home Insurance In Ohio Cover?
Insurance policies invariably come with exclusions. Mobile home insurance in Ohio generally excludes coverage for damage caused by:
Flooding
If your policy doesn’t cover flood damage and you reside in a flood-prone area, we recommend exploring a separate flood insurance.
Earthquakes
Mobile home insurance within Ohio doesn’t cover damage arising from “earth movement.”
Wear and tear
Insurance covers sudden, accidental damage, but it doesn’t extend to general “wear and tear” that mobile homes experience.
Insect or animal infestation
Pest prevention is typically seen as a regular maintenance responsibility and isn’t covered.
Damage resulting from using your mobile home for business purposes
If you operate a business from your mobile home, you might require a commercial policy.
Average Cost Of Home Insurance In Ohio
Although pricing details are absent from the websites of the insurers we reviewed, our assessment estimates the cost of mobile home insurance in Ohio to be between $50 and $133 per month. This range hinges on factors such as coverage limits, deductible, chosen options, and other pertinent considerations listed below.
Several factors contribute to the cost of your policy in Ohio:
- Location (zip code)
- Age of your home
- Replacement cost of your home
- Selected coverage and limits
- Deductible
- Claims history
All the insurers we reviewed offer diverse discount types for mobile home insurance policyholders, including opportunities to bundle your coverage with auto insurance.
Largest Manufactured Home Insurance Providers In Ohio
| Provider | Market share |
| Foremost | 4% |
| Assurant | 2% |
| American Modern | 2% |
| American Family | 4% |
| Allstate | 9% |
| Progressive | 2% |
| State Farm | 8% |
How To Buy Mobile Home Insurance Online In Ohio
Simplify the online process of buying a mobile home insurance policy with these simple steps:
- Decide how much coverage you need: Add up the value of the contents of your mobile home, as well as the dwelling. This will help you to calculate the property damage limits that you need.
- Secure an online quote: Most companies providing mobile home insurance in Ohio allow you to request an online quote. You can also explore websites that facilitate coverage and cost comparisons, streamlining your online shopping experience.
- Finalize the application: After determining your coverage needs and a price that you can afford, complete the coverage application. While many insurers offer online application options, some might require you to meet with an agent to complete the application process.
Unique Considerations For Mobile Home Insurance In Ohio
Similar to Florida, Ohio faces a spectrum of harsh weather conditions, encompassing:
- Wildfires
- Damaging winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical storms
- Hail
- Flood damage
Considering these vulnerabilities, we highly recommend that all mobile home owners in Ohio prioritize getting adequate coverage.
How To Find Cheap Mobile Home Insurance In Ohio
To find cheap mobile home insurance in Ohio, you should collect quotes from at least three insurance companies. Remember that rates vary between insurers for both their basic coverage and extra choices. While you explore options, make sure to ask about potential discounts that you might be eligible for.
Nevertheless, we strongly discourage solely choosing an insurer based on the price. It’s essential to confirm that the coverage limits match your requirements and that the quotes offer a precise apples-to-apples comparison.
Looking For Mobile Home Insurance In Other U.S. States?
FAQs
Is mobile home insurance more expensive in Ohio?
As a rule, the expense of mobile home insurance in Ohio tends to align with that of nearby Southeastern states. Yet, there’s an exception in Florida, where several insurers do not extend coverage for mobile homes.
Do you need mobile home insurance in Ohio?
Although there is no state law requiring mobile home insurance, your mortgage lender might make it a requirement. Nonetheless, we strongly recommend getting mobile home insurance, regardless of whether you have a mortgage.
How are mobile home insurance rates determined?
Mobile home insurance rates are influenced by several factors, including your location, coverage limits, selected deductible, and the discounts you’re eligible for.
