Foremost Insurance Group
Foremost — owned by Farmers Insurance Group — is the largest mobile home insurer in the United States, with policies in all 50 states. Their underwriting accepts homes from 1976 forward (post-HUD code), and they're competitive on both single-wide and double-wide manufactured housing.
Strengths: nationwide availability, established claims network, accepts homes up to 30 years old without major restrictions, and offers replacement cost coverage on most homes built after 1995. Weaknesses: pricing in hurricane-belt states (FL, LA, MS, TX coast) is among the highest, and they require physical inspection on homes 20+ years old.
Assurant
Assurant runs both retail mobile home policies and the largest lender-placed mobile home book in the US. If your bank or manufactured home community requires proof of insurance and you don't have a policy, the placement carrier is almost always Assurant.
Strengths: will write older homes (1980s and earlier) that competitors decline, strong in park-tenant policies, fast online quote-and-bind. Weaknesses: retail premiums are often 15–25% above Foremost for the same home, customer service ratings lag the industry.
American Modern Insurance
American Modern (a Munich Re company) is the specialty market leader for the toughest mobile home risks: pre-1976 homes, park-model RVs, vacation/seasonal mobile homes, and homes in flood-prone or wildfire-prone areas where standard carriers refuse to bind.
Strengths: writes risks others won't, comprehensive scheduled-personal-property options, strong in the Midwest and rural markets. Weaknesses: higher premiums (you're paying for the specialty appetite), available only through independent agents — not direct-to-consumer.
Progressive Mobile Home
Progressive's mobile home product runs through Foremost on the back end but is sold under the Progressive brand, with the major advantage of bundling with Progressive auto for a 5–15% multi-policy discount.
Strengths: bundling savings, online quote tool, single-bill convenience. Weaknesses: same underwriting restrictions as Foremost (the underlying carrier), so the homes accepted/declined are identical.
How to pick the right carrier for your home
There is no single 'best' mobile home insurer — the right carrier depends on your home's age, location, and use case:
- Home built after 1995 + standard location: Foremost or Progressive (bundle savings)
- Home built 1976–1994: Foremost retail or American Modern
- Home built before 1976 (pre-HUD): American Modern is usually your only option
- Hurricane-belt coastal home: Get quotes from American Modern AND your state's last-resort wind pool
- Park tenant (you rent the lot): Assurant or Foremost tenant policies
- Vacation/seasonal mobile home: American Modern is the specialist