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!
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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.
What's In This Guide?
Unfortunately, fixing those pesky malfunctions costs money and a whole lot of it. Without the right protection, you could spend thousands of dollars each year in 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?
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.
Top 5 Best Home Warranties For Mobile Home Coverage
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 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, heating system, and 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.
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, a plan from one of the top-ranked coverage plans can 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.
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.
Best Home Warranty For Mobile Homes?
Choice Home Warranty is our top pick for a home mobile on the warranty market. Their plans have some of the best per-item coverage limits and they have a great 24/7 call center to get you the repair service you need.
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.
Are you considering to purchase 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 appliance, 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.
Top Home Warranties For Mobile Homes Reviewed
When it comes to a warranty on your manufactured home, you have a whole lot of options. Here are our reviews of some of the best mobile home warranties on the market today:
Choice Home Warranty
Choice Home Warranty is our top pick for protecting your investment in your mobile home. They offer coverage for mobile homes up to 5,000 square feet under the same great policies that they provide for site-built houses.
With Choice, you have two policy options: a Basic Plan and a Total Plan. The Basic Plan covers a nice selection of different systems and appliances, including:
- Heating system, ductwork, and ceiling/exhaust fans
- Plumbing, water heaters, whirlpool bathtubs, and plumbing stoppages
- Electrical systems
- Oven, range, stove, cooktop, and built-in microwave
- Dishwashers and garbage disposals
Their Total Plan covers all of the following, plus air conditioning, refrigerators, and clothes washers and dryers. Additionally, you can choose from a list of optional coverage items that include pools, spas, well pumps, sump pumps, and septic tanks.
We like Choice because all of their plans cover the most important items in your mobile home. They’re a particularly good option for mobile homeowners that live in a manufactured home park because you don’t have to pay for coverage on things like septic systems if these items are maintained by someone else.
Plus, the company has some of the most affordable annual premiums in the industry, a low service fee, and high per-item coverage limits to keep more money in your pocket. They also have a 24/7 call center for quick service at any time of day.
- All plans include the most important coverage items for mobile homeowners
- Affordable premiums and low service fees
- Good per-item coverage limits on the most critical home systems
- No option to build your own plan
American Home Shield
American Home Shield has been an industry leader in the home warranty world for years, and their protection plans for mobile homes are no exception. The company allows mobile homeowners to use the same plans that they offer for site-built houses, so long as the building is under 5,000 square feet.
They offer three basic plan options: appliance, systems, or combo. With the appliance plan, you get protection for all your most important home appliances, while the systems plan exclusively covers things like your HVAC system and plumbing.
You can also choose a cost-effective and comprehensive combo plan that includes coverage for both appliances and systems. Alternatively, one of the biggest advantages of American Home Shield is that they allow you to build your own plan.
Their plans are ideal for anyone that wants to customize every bit of their coverage. American Home Shield even allows homeowners to choose their own service fee for a more personalized warranty experience.
- Can set your own service fee
- Ability to create your own plan
- Premiums are a bit higher than average
Select Home Warranty
Select Home Warranty offers coverage for mobile homes up to 5,000 square feet on all of their plans. They offer three plan options: bronze, gold, and platinum.
The Bronze Plan provides protection for your home appliances, such as:
- Washer and dryer
- Garbage disposal and dishwasher
- Stove, oven, cooktop, and built-in microwave
Meanwhile, the Gold Plan covers important home systems, including:
- Heating, cooling, and ductwork
- Plumbing and water heaters
- Electrical systems
Finally, the Platinum Plan offers comprehensive coverage of everything in both the gold and bronze plans as well as garage door openers and ceiling fans.
Select Home Warranty is one of the best service providers for mobile home protection because they offer a variety of different plan options. Plus, their annual premiums are affordable, and they have a low service fee. They even allow you to choose your own repair technician, and they provide emergency services when something breaks in the middle of the night.
- Cost-effective plan options for mobile homeowners
- Ability to choose your own technician
- Can file claims online or over the phone
- Septic and sump pump coverage are add-ons only
Total Home Protection
Total Home Protection covers mobile homes up to 5,000 square feet under their policies. They offer two plan options: gold and platinum.
With a gold plan, you get coverage for:
- Plumbing system, water heaters, whirlpool bathtubs, and stoppages
- Electrical systems
- Oven, range, stove, cooktop, and built-in microwave
- Sump pump
- Garbage disposal and trash compactor
- Ductwork and ceiling/exhaust fans
- Garage door opener
The platinum plan, on the other hand, protects all the above, as well as:
- Heating and cooling systems
- Clothes washer and dryer
They also offer a great assortment of optional coverage items, including for septic systems. We particularly like Total Home Protection’s offerings because all of their plans protect both your appliances and systems.
The company has an affordable service fee and reasonable premium rates for the protection value you get with their plans, which is great for owners of manufactured homes. Finally, they have emergency repair services available so you can get help when you need it most.
- Emergency repair service available
- Great list of optional coverage items
- Basic plan provides both appliance and systems coverage
- Limited availability in certain states
First American Home Warranty
First American Home Warranty protects mobile homes up to 5,000 square feet under their regular policy options. They offer two different plans – basic and premier – both of which cover systems and appliances.
With the basic plan, you get coverage on items including:
- Exhaust and ceiling fans
- Washers and dryers
- Instant hot water dispensers
- Refrigerators, built-in microwaves, ovens, ranges, and cooktops
- Garbage disposals and trash compactors
Their premier plan also covers systems and appliances, such as:
- Central vacuum system
- Ductwork and heating
- Plumbing, plumbing stoppages, and water heaters
We like First American because they offer some of the most affordable plans on the market, which is ideal for owners of mobile homes. They also provide coverage upgrades when you sell your home, helping you to quickly close your real estate transaction and increase the selling value of your house.
- Very affordable plans
- Coverage upgrades available during real estate transactions
- Covers systems and appliances all plan options
- Few add-on options
- Coverage not available in some states
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.