Assurant home insurance review: Great for mobile homes

Assurant offers manufactured and mobile home insurance coverage, as well as flood insurance through the NFIP in all states except Florida, Hawaii, and D.C.

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Jennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at and a content strategist at


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Policygenius rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
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AM Best rating

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).



Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).


The bottom line

Assurant home insurance is ideal for homeowners of manufactured or mobile homes looking for an insurer with strong financial stability — it earns an A+ (Superior) rating from AM Best. proving it likely has the funds to pay out claims in the aftermath of a disaster. 

You can not only get a quote online, but it offers the option to purchase your policy with a few clicks in just minutes. And it’s willing to insure previously owned mobile homes of any age — rare in the insurance industry.

However, Assurant’s website isn’t transparent about costs, discounts, or coverage add-ons available. And it received nearly 20% more customer complaints in 2021 than other similar-sized home insurance companies. You also won’t be able to purchase coverage if you live in Florida, Hawaii, or Washington, D.C.


  • Specializes in manufactured and mobile home insurance coverage, including all-risk protection

  • Willing to insure previously owned mobile homes of any age — rare among other insurers

  • Online quote tool lets you purchase a policy online in just minutes


  • Website lacks detailed information about all of its coverage and discount options available

  • Received around 18% more customer complaints in 2021 expected for a company of its size

  • Not available in Florida, Hawaii, or Washington, D.C.

Basic coverages offered

Assurant mobile home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:

  • Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.

  • Mobile home extensions or other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.

  • Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.

  • Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.

  • Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.

  • Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.

Additional coverages offered

You can add these additional coverages to your Assurant mobile home insurance policy for even more protection:

  • All-risk protection: Also known as open perils coverage, this extends your policy’s coverage to include more causes of loss that generally aren’t covered in a standard policy.

  • Flood insurance: Offers flood insurance coverage through the NFIP, a government program run by the Federal Emergency Management Agency (FEMA).

  • Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.

  • Scheduled personal property: Offers higher coverage limits for specific scheduled items like silverware, jewelry, fine art, collectibles, and other priceless possessions.

  • Extended warranties: Pays to repair or replace AC units, water heaters, and other home systems that are damaged due to mechanical breakdown

  • Renters insurance: Purchased by tenants, renters insurance covers the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.

Ratings methodology



Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. We didn't have cost or discount information available for Assurant as of March 2023, so we didn’t rate the insurer on price.

Customer experience


Assurant isn’t included in J.D. Power’s claims or customer satisfaction surveys, which means its perfect score on our customer experience rating scale is based solely on its National Association of Insurance Commissioners (NAIC) National Complaint Index Score. Earning a 1.18, Assurant received around 18% more customer complaints in 2021 compared to similar-sized home insurance companies.

Coverage options


Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. Assurant scores below average compared to other regional home insurance companies.

Financial strength


Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: AM Best, Standard & Poor’s (S&P), and Moody’s. Assurant has an A+ rating from AM Best, an A rating from S&P, and an A2 rating from Moody’s.

How much does Assurant home insurance cost?

The average cost of home insurance with Assurant will vary depending on a variety of factors, including:

  • Where you live

  • Your home’s age, condition, and claims history

  • Discounts you qualify for

  • Your coverages and policy limits

  • Your credit score

Compare home insurance quotes with top insurers in minutes

What discounts does Assurant offer?

Most insurers offer ways to help you save on the cost of home insurance. Contact an Assurant agent to find out if you qualify for eligible home insurance discounts.

Assurant home insurance state availability

Assurant home insurance is available in all states except Florida, Hawaii, and Washington, D.C.

What to expect with Assurant home insurance

  • How to get a quote: You can get an Assurant home insurance quote online or by calling 866-690-3092.

  • Customer service options: You can get in touch with an Assurant customer service rep by calling 877-716-2936, emailing, sending a fax to 305-969-4171, or mailing a letter to American Bankers Insurance Company of Florida — P.O. Box 979220, Miami, Florida 33197. 

  • How to file a claim: You can file an Assurant home insurance claim by calling its 24/7 claims department at 800-358-0600.

  • How to cancel your policy: You can cancel your Assurant home insurance policy by mailing, faxing, or emailing a letter to the American Bankers Insurance Company of Florida at the numbers or addresses listed above. Be sure to include your name, address, policy number, policy type, and the date you’d like your policy canceled.

Assurant vs. other home insurance companies

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Frequently asked questions

Who is Assurant insurance owned by?

Assurant is owned by American Bankers Insurance Group.

Does Assurant offer mobile home insurance?

Yes, Assurant specializes in manufactured and mobile home insurance.

Does Geico offer home insurance through Assurant?

Yes, Assurant is Geico’s dedicated insurance partner for customers looking for mobile home insurance.

How do I cancel my Assurant home insurance policy?

You can cancel your Assurant home insurance policy three ways:

  • Mailing a letter to: American Bankers Insurance Company of Florida — P.O. Box 979220, Miami, Florida 33197

  • Sending a fax to: 305-969-4171

  • Sending an email to:

Be sure to include your name, address, policy number, policy type, and the date you’d like your policy canceled.

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