Real carrier recommendations from independent insurance agents who have successfully placed mobile homes and manufactured housing.
Finding the right carrier for mobile homes and manufactured housing is one of the most common challenges independent insurance agents face. Based on 28 real placement discussions from working agents, this guide summarizes which carriers are writing this class of business, what underwriting hurdles to expect, and which states have the most active markets.
Wind and hail exposure, age restrictions, and park location risks make mobile homes one of the most common hard-to-place personal lines risks. Many carriers have strict age and condition requirements.
The carrier recommendations below aren't theoretical — they come from agents who have actually bound coverage for mobile homes and manufactured housing. The most frequently mentioned carriers are Foremost, American Modern, Kinsale, Erie, Tower Hill. Scroll down for the full list, state-by-state breakdowns, and detailed agent discussions.
These carriers are most frequently recommended by agents for placing mobile homes and manufactured housing. Rankings are based on how often agents mention each carrier in successful placement discussions.
Our analysis of 28 placement discussions reveals patterns that can help agents place mobile homes and manufactured housing more efficiently:
Data sourced from 28 verified agent discussions. Updated daily as new discussions are captured.
This matrix shows which carriers have been recommended by agents for mobile homes and manufactured housing in specific states. Data is based on 28 real placement discussions — a ✓ means at least one agent has reported placing this risk with that carrier in that state.
| Carrier | CA | SC | FL | NC | TX | CO | LA |
|---|---|---|---|---|---|---|---|
| Foremost | ✓ | ✓ | ✓ | — | — | ✓ | ✓ |
| American Modern | ✓ | ✓ | — | — | ✓ | — | ✓ |
| Kinsale | ✓ | ✓ | — | — | — | — | — |
| Erie | — | — | — | — | — | — | ✓ |
| Tower Hill | — | ✓ | — | — | — | — | — |
| Progressive | — | — | — | — | — | — | ✓ |
| USLI | — | — | — | ✓ | — | — | — |
Based on 28 agent discussions. Carrier availability may vary — always verify with the carrier or your wholesaler. Last updated: July 01, 2026.
Agents in these states have shared placement experiences for mobile homes and manufactured housing.
Real conversations from independent insurance agents about placing mobile homes and manufactured housing. Each discussion includes the original question and agent replies with carrier suggestions.
Browse state-specific carrier recommendations and agent discussions for mobile homes and manufactured housing.
Based on 28 agent discussions, the most frequently recommended carriers for mobile homes and manufactured housing include Foremost, American Modern, Kinsale, Erie, Tower Hill. Carrier availability varies by state and specific risk characteristics. Surplus lines markets may offer additional options when admitted carriers decline.
Wind and hail exposure, age restrictions, and park location risks make mobile homes one of the most common hard-to-place personal lines risks. Many carriers have strict age and condition requirements.
The states with the most agent discussions about placing mobile homes and manufactured housing are California, South Carolina, Florida, Tennessee, North Carolina. Coverage availability and pricing can vary significantly by state due to regulatory differences and local market competition.
Start by contacting the carriers most frequently recommended by agents: Foremost, American Modern, Kinsale, Erie, Tower Hill. Many agents also report success through wholesale brokers and MGAs who specialize in this class. The 28 discussions on this page include specific agent experiences with quoting and binding coverage.
It depends on the state and specific risk details. Some admitted carriers do write mobile homes and manufactured housing, but many agents report needing to access surplus lines or specialty markets. States like California, South Carolina, Florida tend to have more carrier options based on agent discussions.
Typical coverage needs include general liability, property, and often workers compensation. Depending on the specific operation, agents also discuss commercial auto, professional liability, inland marine, and umbrella coverage for mobile homes and manufactured housing. Review the agent discussions below for specific coverage recommendations.
The carrier recommendations on this page come from 28 real discussions between independent insurance agents with 5 agent replies. Every data point originates from a verified agent community — not marketing materials, carrier websites, or AI-generated content. Data is captured daily and this page was last updated on July 01, 2026. Read our full methodology.