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Top 5 Best Home Warranties For Mobile Homes (2022 Review)

Top Best Home Warranty Companies Mobile Homes Review

Looking for the best home warranty for a mobile home?

Excellent, you have come to the right place. In this guide, you’ll learn:

  • What are home warranties for mobile homes?
  • How much does a home warranty on a mobile home costs?
  • Will a home warranty be worth it for your home?
  • How do home warranties for manufactured homes work?
  • What are the best home warranty plans for protecting your mobile unit?
  • And much more!

We’ve reviewed 68 different warranty companies, and below are our top picks for mobile home coverage specific to your state. Want to learn more about each? Scroll down!

Editor's Choice

Limited Time: New Customers Get $50 Off
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Best Overall

Limited Offer: $50 Off + 1 month free
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Most Affordable

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

Our Top Home Warranty for Mobile Homes Picks

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.50
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.50
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Whether you’ve lived in your manufactured home for a while or you just moved in, at some point, something will need to be repaired. Malfunctioning air conditioners, broken water heaters, and electrical systems that just won’t cooperate are all part of the experience of owning a home.

Top 3 Home Warranty Companies For Mobile Homes (2021)

Company NameChoice Home WarrantyAmerican Home ShieldSelect Home Warranty
Number of Plan Options2 Plans3 Plans2 Plans
Monthly Plan Cost$45 – $55$35 – $65$36 – $45
ReviewsRead Choice Home Warranty ReviewsRead American Home Shield Reviews


Choice Home Warranty (Best Home Warranty for Mobile Homes)

Choice Home Warranty is the best home warranty for manufactured homes. When owning a manufactured home, various systems and appliances will need to be covered. Without the protection of the appliances and systems, there will be costly repair expenses and replacements. Choice Home Warranty offers a Basic Plan and a Total Plan for the manufactured homeowners. With the Choice Home Warranty plans, there is a combination of both system and appliance coverage. This means that your heating system, electrical system, microwave, dishwasher, ceiling fans, and more can all be covered under one impressive policy. Choice Home Warranty can offer more coverage for a lower price because of their combo plan structure. Companies like American Home Shield and Select Home Warranty will require customers to purchase a more expensive comprehensive policy to get both system and appliance coverage. 

Owners of manufactured homes also need to consider the quality of service they are getting when a repair is completed. With the straightforward way a Choice Home Warranty plan is created, the claim submittal process only takes a minute, or two and service is quick for completing the repair. If for some reason, the first repair to an appliance or system is not adequate, Choice will come back out at no extra cost and fix the repair until it is functioning. For manufactured homeowners choosing a company that offers fair deductible pricing, fast service, and a plan that won’t turn down older homes is a wise decision. Choice will check all the boxes for owners of manufactured homes. 

There has never been a better time to get started on the Choice Home Warranty plan for your manufactured home. Choice is currently offering $50 off, one month free, and 30 days of free cancellation should you not enjoy the policy and its benefits. 

American Home Shield (Most Customizable)

American Home Shield is the editor’s choice for the best home warranty for manufactured homes. No two manufactured homes are alike. Your home may have high-end appliances, custom systems, or even fixtures that other manufactured homes don’t typically have. To get the best coverage possible for your manufactured home, choosing a plan with customization available can make sense. The American Home Shield plan will allow you to customize your policy premium and your coverages. If it works better for you to pay a higher monthly fee and lower deductible, you will have that choice with American Home Shield. 

Both Choice Home Warranty and Select Home Warranty have been in the market for over ten years. However, American Home Shield has spent the last 50 years in the business. Over the last 50 years, AHS has built up quite a reputation as a reliable and high-quality home warranty service provider. The network of technicians is quite extensive, the customer service team is well trained, and the response times are some of the fastest on the market. If you want to ensure a home warranty plan adequately covers your manufactured home, AHS is the way to go.

Select Home Warranty (Most Affordable)

Select Home Warranty is the most affordable home warranty plan for manufactured homeowners. The monthly fees and the service fee are some of the lowest on the market. However, SHW still offers an excellent range of coverage. The Select Home Warranty can be purchased as an all appliance plan, all systems, or a combination plan. With all of these plans, you will get free roof leak coverage for your manufactured home. A company like Choice Home Warranty would charge you extra to add this coverage to your policy. Anytime you can get a free coverage in the home warranty industry, it is smart to take advantage of it. 

The Select Home Warranty plan is very serious about the contractors and repair technicians that they send to your home. It takes a lot for a contractor to get certified with Select Home Warranty. Once they have this certification, they will do everything possible to keep it. This means you get someone that cares about keeping your manufactured home in excellent condition. In addition, if you decide to move to a new manufactured home, you can transfer your Select Home Warranty policy for no charge at all. With the coverage and the professionalism associated with the SHW, it’s a great time to start protecting your manufactured home. 

Currently, Select Home Warranty offers a joining incentive that consists of $150 off, two months free, and 30 days to cancel with no penalty. The current promotion is quite a bit of saving and will help get your manufactured home warranty off to a great start.

Unfortunately, fixing those pesky malfunctions without a home appliance warranty costs money and a whole lot of it. Without the right protection, you could spend thousands of dollars each year on appliance and system replacement costs in your mobile home.

Thankfully, a good home warranty plan can cover most, if not all, of the cost of your annual home repairs. Indeed, home warranty coverage for your mobile unit is one of the best ways to avoid substantial out-of-pocket fees for maintaining your house.

But, can you have coverage for a mobile unit? How does this process even work?

If you’re looking for a trusted, industry-leading home warranty company, we recommend Choice Home Warranty. They’re a top-rated brand and right now you can take advantage of their current promotions that get you $50 off, plus one free month and free 30-Day cancellation. Get a free online quote or contact a specialist at 929-400-6169 before these deals end. Another great option is American Home Shield which offers $50 off. Get a free quote online or you can call a home warranty specialist directly at 866-464-7521.

Up next, we have answers to all of your top questions about mobile home warranty plans, plus your guide to getting the coverage that’s right for your needs.

What Are Home Warranties For A Mobile Residence?

A mobile home warranty is a way to protect yourself against huge annual repair bills whenever a major appliance or home system breaks. With a home warranty protection plan, you pay an annual premium to the warranty company.

Then, if one of your covered items or systems malfunctions, you simply make a service call and submit a claim. Your home warranty provider will then send a qualified repair specialist to your home in exchange for a small service fee.

The contractor will assess, diagnose, and repair or replace the broken home appliance or major system so your house can be back to proper working order. Your warranty company will then cover the cost of the repair or replacement up to the terms listed on your contract. It’s as easy as that.

What Does A Home Warranty For A Mobile Home Cost?

The average warranty for a mobile unit will cost between $300-$600 per year, which works out to about $25-$50 a month. However, your home warranty cost will vary depending on two key factors: the size of your manufactured home and where you live.

Additionally, the other major element that will dictate how much your home warranty costs is how much coverage you want. There are three basic types of plans: appliance plans, systems plans, and combo plans.

With an appliance insurance plan, you’ll get protection for the most important appliances in your home, such as your cooktop, garbage disposal, or dishwasher. Systems plans, however, cover things like your air conditioning, ductwork, furnace, heating system, and plumbing system.

Read Also: Does A Home Warranty Cover Plumbing System?

Combo plans provide protection for both systems and appliances, so they’re usually a good choice for comprehensive coverage. Some companies will often allow you to build your own plan or choose from a list of optional coverage add-ons to customize your policy to your needs.

Read Also: What Are The Typical Costs Of A Leading Home Warranty Company?

Ultimately, the amount of coverage you decide to get will affect your annual premium. However, while a basic plan might save you a bit of money on your monthly warranty plan payment, combo plans will usually offer you more protection when something breaks in your home.

Is A Warranty For A Mobile Home Worth It?

Understandably, spending $300-$600 a year on a home warranty might seem like a pretty big expense. But, mobile home warranties are definitely worth the cost of your annual premium. Here’s why:

Peace Of Mind & Financial Protection

When you have a home warranty service contract, you can have the peace of mind to know that you’ll be covered if your house needs a major repair. Whether you’ve just bought a new home or you’ve been living in yours for a while, there’s nothing better than knowing that you won’t have to pay thousands of dollars out of pocket when your house has an issue.

With a protection plan, you’re covered up to a set dollar amount per item or per system/appliance category, as written in your service contract. So, with your one-year warranty, you can save thousands of dollars on home repairs that you would’ve had to pay for with your own savings. Instead, you just pay a small service call fee and sit back as your warranty company pays for your home repairs.

For owners of mobile properties, this financial protection is all the more valuable. If you live in a manufactured home park, you’ll already have to pay for land rent each month, so tacking on a major repair expense isn’t exactly an enticing idea. 

Alternatively, if you own the land that your mobile unit is on, you’re already paying a mortgage, property taxes, and housing association fees on top of any loans you might have for your house. So, the best home warranty plans protect you against huge unforeseen major repair costs each year while keeping your regular expenses at a minimum.

Quick And Easy Mobile Home Repairs

Many people who choose to purchase a home warranty do so because they want the financial protection that comes with their plan. However, warranty companies also provide excellent and efficient repair service that saves you a whole lot of hassle.

If you have a policy, whenever you need a repair on a covered item, you simply submit a warranty claim to the home warranty company using their call center. Then, the company will send a service provider straight to your house to assess the damage.

Home Warranty Coverage For A Mobile Home Facts

The whole process of getting a home repair when you have a warranty takes the stress out of an emergency with your heater, air conditioning, or appliances. Instead, you can feel confident that a trusted professional will be sent to your home to address any issues your house might have.

This is particularly beneficial for new homeowners or anyone that’s recently moved to a new area. With a warranty plan, you don’t have to rush to find and vet a repair technician in a new town that specializes in mobile homes when you’re having a home emergency because someone will be sent right to your house.

Complete Mobile Home Protection

When you purchased your mobile unit, you probably took out a homeowners insurance policy. These insurance policies are incredibly important for protecting you against damage caused by fires, floods, and natural disasters. 

But insurance doesn’t cover everything. In fact, your insurance won’t pay just because your air conditioning system decided that it doesn’t want to work anymore, nor will they pay to replace your sump pump when it breaks.

Home warranties, however, will pay for repairs on any covered item. Basically, home warranties cover what homeowners insurance won’t, giving you complete protection for your house.

Coverage After Warranties Expire

A home protection plan will also cover repairs and replacements of major appliances and systems long after the manufacturer’s warranty runs out. Many mobile homeowners will often have “manufactured home warranties,” which cover any defects in workmanship or materials in the building itself.

However, this coverage eventually expires, leaving you liable to pay for any subsequent repair costs. So, a home warranty plan will give you the coverage you need throughout the time that you live in your home.

Easier Resale Of Your Mobile Property

If you just moved into your mobile home, you’re probably not thinking about selling it. But, someday, you may want to sell your house, in which case a home warranty can make a big difference.

Home warranties affect real estate transactions in two ways. First and foremost, if you have a warranty policy on your house, it’s more attractive to potential home buyers because they’ll want to know that they are protected if something happens to a system or appliance after closing.

Additionally, when you have a warranty policy, you’ll be able to stay on top of repairs for your mobile home. Having well-maintained and regularly updated systems and appliances are more attractive to home buyers, so you can get a better selling price for your house.

Read Also: How Does Home Coverage For Sellers Work?

Are you considering purchasing a mobile home? If so, check out this video for five quick tips to help in your search.

How Do Home Warranties For Mobile Houses Work (Are They Unique)?

Interestingly, warranty policies for mobile homes are generally the same policies you can buy for a regular home. However, you can choose a plan that best fits your individual needs as a mobile homeowner. Here’s how it all works:

Step 1: List Your Priorities

Before you start looking at the details of different policies, take some time to think about your coverage priorities. As a mobile homeowner, you have unique needs that a site-built homeowner doesn’t.

For example, if you live in a manufactured home park, you may not need coverage for a septic tank or well pump because these systems are maintained by the owner of the park. Alternatively, if you own the land that your home is on, you might be interested in some optional coverage for these items.

Step 2: Sign Up For A Plan

After you’ve decided what kind of coverage you’re looking for, it’s time to sign up for a plan. You can choose between appliances, systems, and combo plans, or you can make your own. What’s important is that you get protection for all of the most important systems and appliances in your home.

Step 3: Wait For The Grace Period To End

The majority of home warranty companies will have a grace period between when you sign up for your policy and when you can submit your first claim. Generally speaking, this waiting period is about 30 days.

That being said, most companies will waive this grace period if you already have coverage, but you’re looking to switch policies. If so, you can make a claim right after you sign your service contract.

Step 4: Make A Claim & Pay The Service Fee

Once the grace period has passed, you can make your first claim whenever a covered appliance or system breaks. To do so, you’ll have to call your warranty company or use their online system to start a repair claim.

Then, you’ll pay a small service fee (usually between $60-$125), and the company will send a technician to your home. It’s as simple as that!

Step 5: Get Prompt Repair Service

After your claim is processed, you’ll get prompt repair service with your home warranty. A qualified specialist will come to your home to assess, diagnose, and repair or replace the problematic equipment.

Are You A First-Time Buyer? Check Out This Article!

Home Warranties for Mobile Homes: Coverage

What kind of coverage is right for your mobile home? You want the protection of a service plan on things like the air conditioning, dishwasher, and refrigerator. You don’t want to fuss with plumbing problems. So what’s the best choice? 
For mobile home coverage, you probably do not need an extensive, expensive, “soup to nuts” plan. The appliances and systems in your mobile home need solid, basic protection. Choice Home Warranty offers excellent coverage on the things in your mobile home that need to stay working, without a lot of extras you don’t need. There’s no basement, so you don’t need sump pump coverage. The Choice Total Plan covers everything you need, plus coverage on a garage door opener, which you probably don’t have where your mobile home is situated. 
Other home warranties offer more, for more money (we’ll explore the expense side in the next section). For instance, Cinch Home has a Combo Plan that covers items, compared with 18 for Choice. But do you need coverage for a food center (where all your appliances connect in one space-hogging area of your kitchen), a sump pump, or a freestanding ice maker? If your mobile home accommodates those things, then Cinch is a great choice, but there are better fits for more basic coverage.
One thing to consider in any home warranty plan is the rate of denial. This is a factor we consider when making our top picks for home warranty coverage. For instance, our data shows that Choice Home Warranty has a claim denial rate that is half that of the industry as a whole. American Home Shield is slightly under, at 8% compared with the 10% rate of the industry as a whole.
Basic Combo CoveragePotentially Unnecessary Coverage
Kitchen AppliancesSump Pump
Laundry AppliancesFood Center
HVACGarage Door Opener
PlumbingFree Standing Ice Maker
Water Heater 

Home Warranties for Mobile Homes: Expense

Understanding the cost of a home warranty policy is important. You have enough expenses with utilities and lot rental fees. You need to make smart choices about coverage so you are not overpaying. Here are a few things to consider as you look at the cost and value proposition of a home warranty.
First, you want the full picture of the cost of a home warranty. You want to consider not just the cost of the monthly premium payment, but the deductible, also known as the service call fee. Usually, the higher the deductible, the lower the monthly premium payment. 
Some home warranty companies offer just one deductible level, so the decision is easy. Of our top five picks for mobile homes, Select has the lowest deductible at $60. Choice has an $85 deductible. So with those two, let’s look at the Combo Plan premiums. The Choice Combo Plan premium is $53 per month, which comes out to $660 per year. Select is similar, with a monthly premium of $58 and a yearly cost of $696. The highest price plan in our top five is Liberty Home Guard, with a Combo Plan running $70 per month or $840 per year.
Here’s a quick comparison chart
ProviderDeductibleYearly Premium
Choice Home Warranty$85$660
Select Home Warranty$60$696
Liberty Home Guard$70$840
Coverage limits are another consideration when it comes to costs. Choice and American Home Shield offer coverage limits up to $3,000 on covered items like appliances and HVAC systems. That goes a long way in repairing or replacing key systems and appliances in your mobile home. Total Home and Liberty offer coverage up to $2,500. Select offers coverage limits up to $2,000. 
You’ll want to weigh the cost of coverage with the potential coverage limits as you make your final decision on home warranty coverage for your mobile home. 
Cancelation fees range from $25 to $75, with an industry-standard of 30 days to cancel at the start of your service contract before a fee is charged. 

Home Warranties for Mobile Homes: Reliability 

Home warranty coverage on your mobile home is only as good as its reliability. Let’s look at how our top five providers fare when it comes to reliability. A company doesn’t get on our top five list if they don’t have a solid track record in this category. But what are some standards that you as a mobile homeowner should consider? Let’s look at customer feedback, the timeline for repairs, and cancellation policies. These measures offer a snapshot of how reliable a home warranty provider will be when you need them most.
In our research into ratings on customer review sites, American Home Shield scored very well on Google Reviews, earning 4.4 stars, compared to the industry average of 3.4. On BBB, they score right at the industry average of 2.7. And Liberty Home Guard is at the head of the class in BBB accreditation, with a rating of A+. They also score well on Google Reviews and Site Jabber, with a 4.6 and 4.5 star rating respectively.
But customer reviews are only one measure of reliability. When something goes wrong in your mobile home, you want fast and reliable service. The industry average timeline for repair is 2.5 days. Choice Home Warranty comes in under that at 2 days. In fact, all of our top five providers have a track record of repair or resolution on covered items of 2 days. 
All of our top five also offer emergency service on a 24/7 basis, so if there is a major problem in your mobile home, help will be on the way quickly. 

Final Thoughts On Home Warranties For Mobile Homes

If you own a mobile home, a home warranty is one of the best ways to protect your investment. Annual repair costs on your appliances and systems can really eat away at your savings, so a home warranty can help keep more money in your pocket.

Choice Home Warranty is our top choice for owners of mobile homes because they offer solid all-around plan options that are affordable for any budget. Plus, their plans have some of the best per-item coverage limits on your most expensive home systems, and they have a great 24/7 call center to get you the repair service you need.

Looking for a mobile home warranty in Mississippi? Check out our comprehensive reviews on Mississippi and how you can protect your systems and appliances.

Home Warranty for Mobile Homes FAQs

Below are just some of the frequently asked questions we receive about home warranties for mobile homes.


Do home warranties cover mobile homes?

When appliances or systems malfunction in a manufactured home, it can cost a lot of money to make those home repairs. A home warranty will cover your major appliances and systems in a mobile home. 

Does Choice Home Warranty cover mobile homes?

Choice does cover mobile homes just as they cover other residential, non-commercial property types. You can choose from their “Basic Plan” covering fewer items at a lower premium, or their “Total Plan” which covers all the main systems and appliances in your mobile home for just a little bit more per month.

Which home warranty offers the best coverage for mobile homes? 

For reasonable premium prices and excellent coverage, Choice Home Warranty is the best home warranty for mobile homes. Below are the dollar amount coverage limits of each provider. Choice edges out American Home Shield because they cover both systems and appliances at the $3,000 level, where AHS covers only appliances at that level.

$$ Coverage Limit
Choice Home Warranty
$500 - $3,000 
American Home Shield
$1,000 - $3,000 
Select Home Warranty
$500 - $2,000
Liberty Home Guard
$500 - $2,500

What does a home warranty cover?

For a manufactured home, stick-built, detached single-family, townhome, or condo, a home warranty is meant to cover common appliances and systems from breakdown due to everyday wear and tear. 

Common appliances covered:
  • Clothes dryer
  • Clothes washer
  • Refrigerator
  • Dishwasher
  • Oven/range/stove
  • Built-in microwave

Common systems covered:
  • Plumbing system including stoppages
  • Electrical system
  • HVAC including ductwork
  • Water heater

Most home warranties also cover things like garbage disposal, doorbells, and garage door openers. You can also get optional add-on coverage for things like a pool or spa, sump pump, well pump, a stand-alone freezer, or additional refrigerator or HVAC units.

What Is The Pricing For Home Warranty Plans for Mobile Homes? 


The best home warranty companies have figured out ways to make sure that home warranty coverage is both affordable and effective for mobile homeowners. There will be exclusions for some things, and of course, there can be a deductible or service request fee, but mostly the plans are comparable to what they are for a traditional home. 

The majority of comprehensive plan options will range anywhere from $500 to $800 or so per year. When you consider the other expenses associated with fixing something like corrosion or a broken refrigerator, these home warranty coverage options start to make more sense financially.


How To Choose A Great Home Warranty For A Mobile Home


There are a lot of home warranty companies on the market, and many of them are going to offer coverage to mobile homeowners. One of the ways that people choose a company is by looking at the BBB ratings and deciding who may have the best options. Although this is a great indication, it is not the only thing to consider. 

You will need to know what the plan covers if normal wear is part of the plan, the waiting period to start your coverage, and the home services that the company will provide should you experience a problem. Not until you understand these important factors can you truly choose a home warranty company. 

Once you have a basic idea of the companies that could be a good fit for you, do a bit of research into things like roof leak coverage, ceiling fans, reservice fees, improper installation of an appliance, and other fine print type items. Once you find a great company that is upfront about its fees and services, you won't want to choose another one.


Is a home warranty worth it for a mobile home?

For peace of mind, quick and easy repairs, and financial protection from large repair bills, a home warranty on a mobile home can definitely be worth it. For just around $500 a year (paid in monthly premiums) you can have all your mobile home appliances and systems covered, instead of paying hundreds or even thousands of dollars to repair or replace them individually.