Cheap Mobile Home Renters Insurance Quotes


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Updated: October 17, 2024

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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.

Cheapest Mobile Home Renters Insurance Companies

After you buy your mobile home, you'll want to get 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.

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.

State
Average Monthly Quote

Alaska

$8

Alabama

$17

Arkansas

$16

Arizona

$12

California

$20

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
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
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
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.

Compare Renters Insurance Rates

Ensure you're getting the best rate for your renters 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?
What is the average cost of mobile home renters insurance?
Where can I get a mobile home renters insurance quote?

Learn More About Renters Insurance

About Katy McWhirter


Katy McWhirter headshot

Katy McWhirter is a certified marketer and a personal finance writer at MoneyGeek, covering nonprofit management, marketing, personal finance and education. Her works have been featured in Forbes, U.S. News & World Report and other foreign publications.

McWhirter holds a master’s degree in modern history from the University of York and a bachelor’s degree in social entrepreneurship from Belmont University. She earned her professional certificate in Marketing from The Chartered Institute of Marketing.


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