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Like other types of renters insurance, mobile home renters insurance protects your belongings from damage and theft, covers your legal liability and pays for a place to stay if your rented home is temporarily uninhabitable. You can get cheap renters insurance by comparing quotes from multiple insurers.

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

Cheapest Mobile Home Renters Insurance Companies

To help you find the best mobile home renters insurance for your needs, MoneyGeek analyzed the cheapest options across the country. Our findings revealed that Allstate and State Farm provide the most affordable average annual rates for $20,000 in personal property coverage. Allstate charges $119 per year on average, while State Farm coverage costs roughly $127.

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  • Renters Insurance Company
    Annual Quote
  • 1.
    Allstate
    $119
  • 2.
    State Farm
    $127
  • 3.
    Farmers
    $156
  • 4.
    Travelers
    $162
  • 5.
    MetLife
    $166
  • 6.
    Nationwide
    $331
Allstate

As the third-largest insurer in the country, you can purchase Allstate policies in all 50 states. On average, Allstate offers the most affordable mobile home renters insurance policies in the nation. Renters can save even more on its low monthly rate by bundling renters insurance with car insurance. Mobile home renters insurance from Allstate covers personal property, additional living expenses, liability and guest medical protection.

State Farm

State Farm provides insurance coverage in all 50 states and Washington D.C., making it a great option, regardless of where you live. Much like with Allstate, State Farm’s renters policies cover personal property, loss of use, additional living expenses, liability and medical payment coverage for anyone injured in your manufactured home.

Average Cost of Mobile Home Renters Insurance by State

Individual states regulate insurance premiums, meaning the cost of mobile home renters insurance can vary substantially based on where you live. You should always compare quotes to make sure you find the best deal and coverage available. Check out the table below to see how your state stacks up against others.

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  • State
    Average Monthly Quote
  • Alaska
    $8
  • Alabama
    $17
  • Arkansas
    $16
  • Arizona
    $12
  • California
    $20
  • Colorado
    $11
  • Connecticut
    $8
  • Washington D.C.
    $10
  • Delaware
    $11
  • Florida
    $10
  • Georgia
    $19
  • Hawaii
    $10
  • Iowa
    $9
  • Idaho
    $8
  • Illinois
    $10
  • Indiana
    $13
  • Kansas
    $11
  • Kentucky
    $10
  • Louisiana
    $13
  • Massachusetts
    $11
  • Maryland
    $11
  • Maine
    $7
  • Michigan
    $21
  • Minnesota
    $8
  • Missouri
    $12
  • Mississippi
    $18
  • Montana
    $10
  • North Carolina
    $9
  • North Dakota
    $7
  • Nebraska
    $10
  • New Hampshire
    $8
  • New Jersey
    $9
  • New Mexico
    $8
  • Nevada
    $11
  • New York
    $10
  • Ohio
    $12
  • Oklahoma
    $13
  • Oregon
    $9
  • Pennsylvania
    $16
  • Rhode Island
    $10
  • South Carolina
    $11
  • South Dakota
    $7
  • Tennessee
    $18
  • Texas
    $11
  • Utah
    $9
  • Virginia
    $11
  • Vermont
    $9
  • Washington
    $10
  • Wisconsin
    $9
  • West Virginia
    $10
  • Wyoming
    $10

Find the Cheapest Mobile Home Renters Insurance Companies in Your State

Texas, Florida and North Carolina had the largest mobile home shipments last year, and we've highlighted the cheapest renters insurance company in each state.

Mobile Home Renters Insurance in Texas

Texans purchased more manufactured homes than residents of any other state last year, so there are plenty of mobile home renters insurance options in Texas. The average annual premium for renters insurance in the state is $134, or $11 per month. For most renters, Lemonade offered the lowest rate at $7 per month or $84 per year. If you're a current or former military members who's eligible for a policy with USAA, it just beats Lemonade, costing an average of $81 per year.

The Cheapest Companies for Mobile Home Renters Insurance in Texas

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  • Company
    Monthly Rate
  • 1.
    USAA
    $81
  • 2.
    Lemonade
    $84
  • 3.
    Allstate
    $93
  • 4.
    Nationwide
    $142
  • 5.
    Amica Mutual
    $161
  • 6.
    Farmers
    $161
  • 7.
    State Farm
    $165
Lemonade

Lemonade currently offers mobile home renters insurance in Texas and 26 other states, plus Washington D.C. Lemonade’s typical policy covers personal property, temporary living expenses, personal liability, and medical bills for others. Lemonade also offers extra coverage for items such as jewelry, art and other specific categories.

Mobile Home Renters Insurance in Florida

Florida ranked second for the most mobile home shipments last year. A standard renters insurance policy in this state costs an average of $119 per year or $10 per month, with Travelers offering the cheapest option at $110 annually on average.

The Cheapest Companies for Mobile Home Renters Insurance in Florida

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  • Company
    Monthly Rate
  • 1.
    Travelers
    $110
  • 2.
    Allstate
    $123
  • 3.
    State Farm
    $125
Travelers

If you're looking for mobile home renters insurance in Florida, you can't go wrong with Travelers. Like other companies, Travelers covers personal property, personal liability, additional living expenses and medical payments for accidents or injuries to others on your property. You can take advantage of discounts through multi-policy programs or by installing a home security system.

Mobile Home Renters Insurance in North Carolina

North Carolina received the third-largest shipment of mobile homes last year. Mobile home renters insurance in the state costs an average of $106 per year or $9 per month, making it an affordable option for keeping your property safe. State Farm was the cheapest option in North Carolina, at an average cost of $84 per year or $7 per month.

The Cheapest Mobile Home Renters Insurance in North Carolina

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  • Company
    Monthly Rate
  • 1.
    State Farm
    $84
  • 2.
    USAA
    $88
  • 3.
    Travelers
    $94
  • 4.
    Allstate
    $104
  • 5.
    Nationwide
    $108
  • 6.
    MetLife
    $139
State Farm

If you live in a mobile home in North Carolina and want renters insurance, the chances are good that State Farm will provide the most affordable option.

What Mobile Home Renters Insurance Covers

Mobile home renters insurance can help cover your personal property, personal liability, additional living expenses and third-party medical payments. You can only make a claim on your insurance if it falls under approved categories. These typically include fire, theft, vandalism and certain types of water or electrical damage.

  • Personal property coverage: Personal property pertains to items within your mobile home that are lost or damaged due to a covered peril. Examples of personal property include furniture, clothing, electronics and some jewelry. Particularly expensive items that exceed policy limits, such as art or fine jewelry, may require additional coverage.
  • Personal liability coverage: If you're at fault for property damage or injury to others, personal liability protection can cover some medical bills and property damage. For example, if a guest suffers an injury at your mobile home due to your negligence and sues you, you’ll be covered up to your policy limits.
  • Additional living expenses coverage: Sometimes known as loss of use coverage, this helps cover the costs of living elsewhere if your property becomes uninhabitable. You can receive funds to live in an apartment or hotel until your current property is repaired or until you find a new place to live. It can also pay for food and transportation, in some cases.
  • Medical payments coverage: This type of coverage helps pay some medical bills and related expenses if someone is injured on the property, regardless of who is at fault. Rather than suing the policyholder, the injured person can file on the renters insurance policy.
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MONEYGEEK EXPERT TIP

The main reason mobile home renters insurance costs less than homeowners insurance is that it only covers your personal property and not damages the mobile home structure itself.

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

FAQ About Mobile Home Renters Insurance

You may still have questions about mobile home renters insurance, and you’re not alone. Take a look at the answers to a few of the most commonly asked questions about this form of coverage.


What does mobile home renters insurance cover?This is an icon

Mobile home renters insurance usually covers personal property, personal liability, additional housing expenses and medical payments for others

What is the average cost of mobile home renters insurance?This is an icon

Because the cost of mobile home renters insurance varies depending on which state you’re in, it can vary widely from state to state. Research indicates that Allstate and State Farm offer the lowest average premiums across the country at $10 and $11 per month, respectively.

Where can I get a mobile home renters insurance quote?This is an icon

Many different insurance companies offer mobile home renters coverage on both a national and regional scale. Allstate and State Farm are often the cheapest options, but you should request custom quotes from multiple companies to get the best coverage and rates.

Learn More About Renters Insurance

About the Author


expert-profile

Katy McWhirter is a professional writer and owner of Heritage Creatives, a boutique historical branding agency. She has experience in nonprofit management, marketing, personal finance, government relations and education from her decade-plus writing career. Katy’s work has been featured in both the United States and abroad, highlighting the need for research-driven, accessible information on financial topics.

Katy earned her bachelor’s degree in social entrepreneurship from Belmont University in Nashville, Tennessee, and her master’s degree in modern history from the University of York in England. She spends her free time with her husband and two cats, restoring their 1901 home in Louisville and reading up on all things personal finance.


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