If you have a manufactured or mobile home you know finding insurance coverage can be tricky as a lot of traditional insurance companies are unwilling to cover them. Or if they are willing to, they will often limit the coverage you need. This has left a lot of customers in a bad spot. However, there are a number of companies that specialize in covering manufactured homes, and have an appetite for providing the specialty coverage that a manufactured home policy needs. For many years there have been 3 main players in the market: American Modern, American Reliable/Assurant, and Foremost. However, the market has changed dramatically and a number of smaller companies have popped up recently competing with these companies. Here are some of the carriers that we at Gila Insurance Group work with to offer the best coverage we can find for our clients. We have listed these in alphabetical order. The companies have many coverage options, so you will want to speak with one of our licensed professionals to ensure you get the coverage that fits your scenario. 

fallen tree on mobile homeAegis General Insurance

Aegis is a company that has been in the market for a LONG time, but were very regional in nature. However, their leadership team has come several of the larger Manufactured home insurance companies, and they recently completed the acquisition of American Reliable.

American Modern

American Modern has long been a leader in the Manufactured home insurance market with coverage that matters. They have competitive coverage and rates and are among the best options you can find for manufactured home insurance. American Modern is A+ Rated. 

CoverTree

CoverTree is a newer player in the market with the backing of one of the largest insurance companies in the market, Markel. Their coverage is awesome, as are their rates for newer manufactured homes. Markel is A Rated. 

Foremost 

Foremost is the market leader and has been for many years. They offer coverage options on older mobile homes that their competitors will not, and are hands down the best option for homes that are older than 1980. Their rates are competitive, which is why they have been the market leader for many, many years. Foremost is a part of the Farmers Insurance group of companies and is A Rated. 

Standard Casualty

Standard Casualty is owned by a titan of the manufactured home industry, Cavco Industries. They have been around since 1961, and only sell manufactured home insurance. They offer no other lines of business. Their coverage for manufactured homes is phenomenal and they offer some coverage that others do not. They are a great option for homes that are 1980 and newer. Standard Casualty Company has a Rating of B++ (Good) according to AM Best (as of 3/29/2023).

Tower Hill Insurance

Tower Hill has been around since 1972. They are based in Florida and is one of Florida’s largest residential property insurance companies. They have expanded into 16 additional states. They offer excellent coverage for newer Manufactured Homes and have very competitive rates. They are A Rated According to Demotech. 

The key to finding the best-manufactured home insurance company is to find a company that understands manufactured homes. What do you look for in a manufactured home carrier? While a lot of the coverage is standard there are a couple of things that will indicate that your carrier doesn’t like manufactured homes. 

  1. Do they have weird exclusions for additions like sun rooms or carports? 
  2. Do they offer replacement costs on your home? If not, will they offer replacement costs on partial losses? While even the manufactured home specialists will sometime limit this on older homes, non-manufactured home carriers will often exclude this coverage on new homes. 

If you need coverage for your manufactured home, be sure to speak to a specialist who will have access to different manufactured home companies. You can start the conversation with Gila Insurance Group, by completing our free online insurance quote form, and we will shop these carriers and provide you with the best option for you.