If you’re shopping for coverage, one key question often pops up: Does State Farm insure mobile homes in USA? The answer is a confident yes—but it’s important to know how their policies work, what coverage is available, and how costs compare. In this guide, we’ll dive into State Farm’s mobile home coverage, outline key policy details, share cost drivers, and offer tips to secure the best rate.
🏠 What State Farm Offers for Mobile Homes
✅ 1. Dwelling and Structure Coverage
State Farm provides protection for your mobile home’s structure—including walls, roof, and built-in appliances—against a variety of perils like fire, windstorms, hail, vandalism, and theft. Eligible mobile homes are typically IEC‑rated (Institute for Business & Home Safety) and permanently affixed to land, not easily transportable units.
✅ 2. Personal Property Protection
Coverage extends to contents such as furniture, electronics, clothing, and kitchenware. Standard coverage usually includes around 50–70% of dwelling limits, with optional floaters for high-value items.
✅ 3. Liability and Medical Payments
Covers you if someone is injured on your property—paying for legal defense, medical bills, and associated costs. State Farm also offers umbrella policies for extended liability limits.
✅ 4. Additional Living Expense (ALE)
If a covered event renders your mobile home uninhabitable, ALE covers costs for temporary lodging, meals, and other living expenses.
✅ 5. Optional Add-Ons
- Flood insurance: Available through the NFIP or private market—standard policies do not cover flood damage
- Hurricane and windstorm deductibles: Especially relevant in vulnerable zones
- Replacement cost endorsements: Upgrade from actual cash value to full rebuild value
📌 Eligibility: What Makes a Mobile Home Insurable?
Most State Farm policies require the mobile home to be:
- Permanently installed on a foundation and not usually transported
- A manufactured home meeting HUD construction standards
- In a State Farm operational area (typically most states, except a few rural or coastal zones)
Check with your agent to confirm eligibility in your ZIP code.
💵 How Much Does It Cost to Insure a Mobile Home with State Farm?
🔍 Key Factors in Premium Calculation
- Home value and replacement cost
- Age, size, and construction type
- Deductible choices (higher deductibles = lower premiums)
- Location—especially for areas prone to tornadoes, hurricanes, or hail
- Safety features—alarms, storm shelters, and impact-resistant windows
- Claims history and credit score
💰 Estimated Pricing
- National average: around $650–$1,200/year for a $70,000–$100,000 mobile home
- Premiums can exceed $2,000/week in high-risk coastal or storm-prone areas
- Typical monthly cost range: $54–$100+
Prices vary significantly based on coverage limits, location, and deductible selection.
🔍 Comparing State Farm with Competitors
📊 1. Progressive
Offers custom-tailored mobile home policies, strong online quoting, and bundling with auto, often resulting in affordable rates.
📊 2. GEICO
Partners with other carriers to provide mobile home coverage—ideal for customers already with GEICO auto.
📊 3. American Modern
Specializes in mobile and manufactured home insurance, providing unique endorsements like extended replacement cost and water backup coverage.
📊 4. Foremost
Known for flexible options, including seasonal coverage and floaters for personal items.
A local independent insurance agent can help you compare quotes and coverage limits.
🛡️ Why Mobile Home Insurance Differs from Traditional Home Coverage
- Lesser replacement cost per square foot, leading to generally cheaper premiums
- Higher risk of catastrophic damage, such as hurricane-related loss of mobility
- Unique safety and tie-down requirements
- Ineligible for standard homeowner discounts, requiring specific mobile-home focused endorsements
✅ How to Save on State Farm Mobile Home Insurance
🏷️ 1. Bundle with Other Policies
Combine with State Farm auto or life insurance to maximize multi-policy discounts.
🛠️ 2. Raise Your Deductible
Increasing deductibles—especially for hurricane damage—can reduce premiums significantly.
🚨 3. Enhance Safety Measures
Storm shutters, tie-down systems, smoke detectors, and deadbolts can unlock lower rates.
📊 4. Maintain a Strong Credit Score
In many states, credit-based insurance scoring impacts premiums—improving credit can pay off.
✨ 5. Ask About Endorsement Discounts
Windstorm, theft protection, or paid-in-full premium discounts boost value.
📌 Additional Coverage You May Need
🌊 Flood Insurance
Standard policies don’t cover flooding—get a policy via the National Flood Insurance Program (NFIP): fema.gov/flood-insurance.
⛈️ Hurricane and Windstorm Riders
If located in coastal or severe windstorm areas, these riders mitigate high-damage events.
🔐 Liability Umbrella
For large liability limits beyond standard coverage, umbrellas provide added protection at lower cost.
📝 How to Get a Quote from State Farm
- Online: Visit State Farm’s website and use the mobile home quote tool
- Local Agent: Many State Farm agents specialize in mobile/manufactured home insurance
- Prepare your details: Including age, square footage, foundation type, location, safety features, and personal property value
When State Farm May Not Be the Best Fit
- Live in a high-risk flood or hurricane zone with high premiums
- Need unique coverage for tiny homes, non-IEC-rated units, or travel trailers
- Prefer a specialist carrier like American Modern or Foremost for tailored coverage
📣 Real-Life Example
Case Study:
The Smith family insured their $80,000 mobile home in Alabama with State Farm. By choosing a $1,000 deductible, bundling with auto, and installing storm shutters, they paid about $650/year—25% less than Foremost and Progressive quotes. Adding a $300 umbrella increased the premium by just $50/year for extensive liability coverage.
✅ Final Verdict
Yes—State Farm does insure mobile homes in USA. Their policies typically include:
- Dwelling and structure coverage
- Personal property and personal liability
- Additional living expenses
- Customizable endorsements like flood, windstorm, and umbrella coverage
They offer competitive pricing, excellent customer service, and multi-policy discounts. However, homeowners with non-standard units or high-risk properties may want to compare with specialist carriers like Progressive, GEICO (with partnering underwriters), American Modern, and Foremost.
If you’d like help getting quotes, comparing coverages, or estimating premiums in your ZIP code, let me know—I’m happy to assist!
🔗 Helpful Links & References
