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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Our Top Picks Overview
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 Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor’s Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Total Home Protect Review (Best For Larger Systems)
Why Do We Like Total Home Protect?
Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
First American Home Warranty Review (Best Customer Service)
Why Do We Like First American Home Warranty?
First American Home Warranty made our list as a home warranty with above average customer service mixed with in with a decent price point.
The only drawback was that they aren’t nationwide lacking coverage in the following states: ND, MN, WI, IL, NY, VT, NH, ME, MA, CT , RI , DE, AL, HI, LA.
Their plan options include a “Basic“ plan, which only covers appliances and will run you about $28 per month. Their combo plan, which covers major systems and appliances branded the “Premier” plan costs around to ~$43 per month.
Overall a good home warranty provider, but just lacking the coverage, which would have helped make a better case for “best overall home warranty company”.
Policy On Pre-Existing Issues or Older Units?
Again, all of the home warranty providers seem to have adopted a similar policy in that they cover “old” appliances and systems that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Great Customer Service (B+ BBB Score)
- Online Chat Support
- Not Available In 15 States
- Can’t Choose Your Own Contractor
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.