Mobile or manufactured homes have risen in popularity over the last few years, especially in southern states. In fact, Alabama comes in second on the list of states with the highest number of manufactured houses in 2023. [1] And protecting your mobile home from damage and disaster is just as important as protecting other assets, like a traditional home or a car.
Below is a list of some of the mobile home insurance companies offering coverage in Alabama.
What companies offer mobile home insurance in Alabama?
Alabama residents can choose from multiple mobile home insurance options, including Alfa Insurance, Foremost, and American Modern. Also, many of the largest insurance companies, like Liberty Mutual and Progressive, offer mobile home insurance as one of their coverage options.
Some other companies, like Manufactured Housing Insurance Services, only offer mobile home insurance. This means you wouldn’t be able to bundle your mobile home insurance with, say, an auto insurance policy.
Mobile home insurance companies in Alabama
Here are some of the insurance companies offering mobile home insurance in Alabama in 2024:
American Modern
4.9
Why we chose it
American Modern stands out thanks to its willingness to insure manufactured homes both old and new, its high-deductible policy options, and its optional golf cart and hobby farming coverages — popular with some Alabama homeowners.
Pros and cons
Pros
Insures older mobile homes — with no age restriction
High-deductible options up to $5,000
Water damage coverage included in your base policy
Cons
Maximum dwelling coverage is only $300,000
Doesn’t disclose on its website whether certain makes or models are or aren’t eligible for coverage
Foremost
4.2
Why we chose it
As the first company to offer home insurance policies specifically for mobile homes, we like Foremost for its willingness to insure homes of any age, model, make, and value — rare among other insurers.
Pros and cons
Pros
Insures homes of any age, model, make, and value
Replacement cost coverage available for your home, other structures on your property, and your personal belongings
Trip coverage available when moving your mobile home
Cons
Deductible options aren’t disclosed on its website
Progressive
4.5
Why we chose it
Progressive offers guaranteed replacement cost coverage and extended replacement cost coverage for your dwelling, plus replacement cost coverage for your belongings and seasonal home insurance if you only live in your mobile home for part of the year.
Pros and cons
Pros
Available in all states except Alaska and Hawaii
Slew of policy and discount options available
Easy-to-use app to manage policy
Cons
Not a direct insurance carrier
Cost varies by company Progressive places you with
Customer service & claims options vary by company
More details
With availability in all states except two and a generous multi-policy discount, Progressive is the ideal insurance company for homeowners who have a car or other types of property to insure. It also earned an above-average rating in J.D. Power’s 2022 digital experience study, indicating customer satisfaction with Progressive’s mobile and web experience.
However, Progressive isn’t a direct insurance carrier. This means your coverage, rates, and claims experience will depend on which company it places you with. Because of this, Progressive may not be the best choice for homeowners who prefer paying their bills and filing claims all with one company.
How much is mobile home insurance in Alabama?
The average cost of homeowners insurance in the U.S. is $1,754 per year, with Alabama residents paying about 10% more than the national average. Due to the higher risk of loss in extreme weather situations, mobile home insurance is often pricier than standard home insurance coverage. But rates vary based on a number of factors, including:
Where you live
Size of your manufactured home
Age of your mobile home
Your claims history
Your policy deductible amount
Mobile home insurance discounts in Alabama
Some of the most common discounts in Alabama for manufactured home insurance are:
Mobile home park: If your home is located in an approved mobile home park.
Age of home: If you own a newer mobile home.
Wind-resistant features: If your mobile home is retrofitted with wind-resistant features, like storm windows, to help protect against tornadoes, tropical storms, and hurricanes.
Bundled policies: If you bundle your mobile home insurance with another insurance policy, like auto insurance, with the same company.
No claims in past three years: If you’ve been claims-free for a specific number of years (typically three years, but sometimes up to five years).
Association membership: If you’re a member of certain associations, like USAA, AFI, or AARP..
Paperless policy: If you sign up to receive your policy documents electronically.
Paid-in-full: If you pay your insurance premium up front for the year, instead of monthly or bimonthly.
Age of insured: If you’re at least 50 years old or are retired.
Is mobile home insurance required in Alabama?
No, Alabama residents are not legally required to purchase mobile home insurance. But if you have a mortgage, your lender likely requires you to have mobile home insurancein place to protect their investment.
Also, you may be required to purchase manufactured home insurance if you live in a mobile home park. That’s because homes in mobile home parks are located so close together, so damage from something like a fire or flood can spread quickly and potentially destroy the entire park, leaving uninsured residents financially ruined.
What does mobile home insurance cover in Alabama?
A standard HO-7 mobile home insurance policy comes with six types of coverage:
Dwelling: Covers the physical structure of your mobile home, including things like walls, windows, and the roof.
Mobile home extensions: Protects additional buildings or structures, including porches, garages, and other separate structures.
Personal property: Covers your belongings, like furniture and electronics.
Additional living expenses: Pays for costs associated with relocating or staying elsewhere while your mobile home is being repaired after a covered loss.
Personal liability: If you are found liable for damage or injury to someone else, this coverage pays for those legal and medical expenses.
Medical payments: Covers small-dollar medical expenses associated with a guest being injured on your property.
Extra coverages to consider for your mobile home in Alabama
There are many other types of coverage you may want to purchase in addition to mobile home insurance, including:
Replacement cost coverage: More comprehensive than actual cash value coverage, this covers your home, personal belongings, and other structures based on the cost to replace them with new items without factoring in depreciation.
Hobby farming: Provides property and liability coverage related to farming activities.
Trip collision: Covers your mobile home on the road while you are moving it from one place to another.
Flood insurance: Protects your mobile home from flood damage caused by flooding events like hurricanes and tornadoes.
Does mobile home insurance in Alabama cover flooding?
Mobile home insurance does not include coverage for flooding — you’ll need a separate flood insurance policy for that. In addition to comparing mobile home insurance quotes with Policygenius, Alabama homeowners can also compare the best private flood insurance rates, or choose a policy through the government-run National Flood Insurance Program.
Learn more >> Flood insurance for mobile homes
Frequently asked questions
How much does it cost to insure a house in Alabama?
The average cost of homeowners insurance in Alabama is $1,940 per year, about 10% higher than the national average of $1,754 per year.
Why is it harder to insure a manufactured home?
Because mobile and manufactured homes are more likely to be damaged by hurricanes, floods, tornadoes, and other extreme weather, it is riskier to insure them and the insurance is likely more expensive than regular homeowners insurance.
Is homeowners insurance required in Alabama?
No, Alabama residents are not required by law to purchase homeowners insurance. However, homeowners who have a mortgage are likely required to have homeowners insurance coverage by the terms of their loan. Also, having homeowners insurance can protect you financially in the event of a disaster, so you should consider buying home insurance whether or not it is required by law.
Do mobile homes have titles in Alabama?
According to state law, manufactured homes that are 20 years old or newer are required to be titled in Alabama. If your manufactured home has more than one side, a separate certificate of title is required for each side.
