Best mobile and manufactured home insurance of 2026

Manufactured homes — called mobile homes if built before July 1976 — are having a moment.

Manufactured homes sold with land appreciated by 70.1% in the last seven years, according to Realtor.com. That's higher than typical single-family homes, which saw a 58.6% increase over the same period.

Whether you've lived in one for years or are considering moving into one, a manufactured home will change your insurance needs. After all, the structures are vastly different from a traditional single-family home, so the insurance you need will be different, too. For example, a mobile home requires an HO-7 policy, whereas a standard home needs an HO-3 policy.

Typically, an HO-7 policy includes coverage for the home's structure, your belongings and your liability, just like a traditional homeowners policy. However, things like additional living expenses coverage — which can cover necessary spending if your primary home is unlivable — and medical payments to guests are often optional on an HO-7, though they'd be standard in an HO-3.

That could mean that you'd need to do some comparison shopping to find the right fit. CNBC Select analyzed more than 10 companies offering mobile home insurance to determine the best. (See our methodology for more on how we made our top picks.)

Who's this for? Foremost pioneered mobile home insurance more than 70 years ago. It offers discounts for people over 50 and has an AARP partnership tailored for mobile homes that includes additional coverage and member discounts.

Standout benefits: Foremost offers several add-ons for mobile homes, including additional living expenses coverage, personal injury coverage and earthquake coverage.

Who's this for? If you want to keep your home and auto insurance in one place — and get a discount for it — Allstate offers discounts of up to 20% for bundling.

Standout benefits: Allstate includes guest medical protection in its standard coverage, so you wouldn't have to add it separately.

Who's this for? American Modern doesn't put an age cap on mobile homes, so it's accessible to owners of older model homes.

Standout benefits: This policy covers a variety of property types, including modular and tiny homes, which not all brands cover.

Also known as an HO-7 policy, manufactured or mobile home coverage is different from a standard homeowners insurance policy. It offers several main coverages:

• Dwelling coverage: Pays to repair or replace the physical structure of your mobile or manufactured home after damage.
• Personal property: Helps you replace items lost in a covered incident up to a set limit.
• Liability coverage: Steps in if you're held liable for damages or injuries to someone else.

Some policies also include the following coverages, or allow you to add them on:

• Additional living expenses: Pays for expenses beyond your normal spending (i.e., meals, laundry, hotel costs) if you're displaced from your home due to a covered loss.
• Other structures coverage: Helps repair or replace detached structures on your property, like a shed.
• Replacement cost coverage: Pays to repair or replace your home without considering depreciation.
• Medical payments to others: Compensates another person who's hurt on your property.

There may be additional options, too, like coverage for a golf cart, water backup, trip insurance for moving your home and fire department service.

Like standard homeowners insurance, there are no federal laws requiring you to carry mobile or manufactured home insurance on your property.

However, if you have a loan on the home, your lender may require insurance as a condition of your loan. Certain communities may also require residents to carry mobile or manufactured home insurance.

Even if it's not required, it's good to have — if you don't have the funds to repair or replace your home on hand, this coverage could keep you afloat if something catastrophic happens to your home.

You can expect to pay somewhere between $700 and $1,500 for mobile home insurance per year, according to data from Realtor.com. However, premiums can be much larger in higher-risk areas, like those on the coast or those prone to wildfires.

Your claims history, exact ZIP code and age can play a role in your price, as can the age and model of the home you're insuring — older homes can sometimes be more costly to insure than newer ones. To find the best price, get several quotes and compare them before buying a policy, paying special attention to the coverage types and limits included.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

CNBC Select analyzed more than eight insurance companies that offer mobile and manufactured home insurance to pick the best ones, focusing on the following features:

• Standard coverage types: Standard policies tend to include coverage for structural damage, personal property and personal liability. We favored companies that also included additional living expenses and medical payments to others.
• Optional coverages: We considered the number of optional coverages available, including replacement cost coverage and other useful add-ons.
• Discounts: Insurance companies with more opportunities for rate reductions were weighed more heavily, as were firms with sizable discounts for bundling.
• Availability: We considered how many states a provider operated in and if discounts were widely available.
• Digital experience and claim filing: We favored companies that made the claims process available online and made quotes easy to access. We also considered companies with a useful mobile app or website more heavily.

• Customer service: We considered customer ratings and grades issued by the Better Business Bureau.

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.

Based on these criteria, our picks for the best mobile or manufactured home insurance are:

• Best for people over age 50: Foremost
• Best for bundling: Allstate
• Best for older homes: American Modern

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