Best Mobile Home Warranties of 2021
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Do you own a mobile or manufactured home? You may be interested in purchasing a home warranty. A home warranty can protect your home's most valuable assets, like your appliances and important systems. If your home's items and systems unexpectedly break down due to normal wear and tear, you can save time and money by letting your home warranty company take care of the repairs.
There are dozens of companies within the home warranty industry; luckily, our team is here to help you identify the right provider for you. We've analyzed the best home warranty companies' plans, prices, and reputations to help you make the best decision for you and your family.
We recommend getting mobile home warranty quotes from these top providers:
What Is a Mobile Home Warranty?
A mobile home warranty is a policy to help protect your home's most important items and systems. Every home warranty company offers slightly different coverage plans, but you can expect to find certain items being covered by most companies.
Here are some items that home warranty plans commonly cover:
Air Conditioning
Plumbing
Refrigerator
Washer/Dryer
Dishwasher
Garbage Disposal
Garage Door Opener
Electrical System
Oven/Stove
Microwave
Water Heater
In addition to commonly offered items, most home warranty companies offer a la carte add-on coverage for items not covered by the base plan. These often include well pump, pool, and septic coverage.
With a mobile home warranty, you decide which appliances and systems you want covered, and you pay a monthly premium. Instead of paying for expensive repairs all at once, you submit service requests to your warranty provider, and the repairs are either partially or completely covered.
Home warranty companies often offer plans to cover only appliances, only systems, and a combination of both appliances and systems. It's up to you which items you want covered; if you want more coverage, you'll likely pay a higher monthly rate.
Another factor to consider when choosing a home warranty is the service call fee. A service call fee is how much you are required to pay each time you submit a repair request. Our research has found that the industry standard range is $75-125 per service call. If you plan on making a lot of service calls in the future, perhaps a lower service fee will save you even more money over time.
Benefits of a Mobile Home Warranty
A home warranty's primary purpose is to provide protection against expensive repairs, but there are other benefits to purchasing a home warranty. Below are some of the top benefits.
Peace of mind: If you're like most homeowners, you don't have thousands of dollars to spend all at once on repairs to your refrigerator or air conditioning units. A home warranty can put your mind at ease; in the case of a breakdown, you'll probably only pay a couple hundred dollars at the most.
Resale value: If you ever decide to sell your mobile or manufactured home, a warranty can help improve your home's resale value. Studies have shown that homes that include a warranty plan often sell more quickly.
Trusted contractors: Not all repair technicians are the same. Some are better than others. Home warranty companies usually have an extensive network of licensed technicians to make repairs. This saves you the time of having to vet these professionals on your own.
The Best Mobile Home Warranty Companies
There are dozens of home warranty companies, so finding the provider that offers the right balance of coverage and cost for you can be tough. Our review team has done the research to save you time in finding the right fit for your needs.
We recommend getting quotes from the companies listed below before making a decision. In our review, Choice Home Warranty scored the best for covering older homes, Select Home Warranty was our top choice for budget-conscious shoppers, and American Home Shield was our best overall provider.
Here's a rundown of what each company has to offer:
American Home Shield
Get a free quote: Call 844-529-9298 or complete this form
Our verdict: Best Overall
Number of plans: 3
Monthly cost: $39.99–$64.99
Service fee: $75–$125
State availability: All but Alaska
BBB rating: B
Choice Home Warranty
Get a free quote: Call 929-400-6165 or complete this form
Our verdict: Best for Older Homes
Number of plans: 2
Monthly cost: $36.17–$43.85
Service fee: $85
State availability: All but CA and WA
BBB rating: C
Select Home Warranty
Get a free quote: Call 888-370-3956 or complete this form
Our verdict: Best for Budget Shoppers
Number of plans: 3
Monthly cost: $41–$47
Service fee: $75
State availability: All but NV, NY, WA, and WI
BBB rating: B
Home Warranty Rating Methodology
The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.
Here's what our review process looks like:
We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.
We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:
Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.
Frequently Asked Questions About Mobile Home Warranties
What is the difference between a mobile and manufactured home?
Mobile and manufactured homes are similar in nature, in that they're both built off-site and transported to another location. Usually, they are built in factories. Mobile homes are often built on a chassis, which allows them to be transported elsewhere, while manufactured homes are usually completed and delivered to a permanent resting site.
Both types of homes are eligible for home warranties, so if you own either, we recommend getting a quote from one of our top providers.
I own a mobile home. Is my coverage any different?
With most providers, home warranty companies afford the same coverage and protection to owners of mobile homes as they do for any other homeowner. However, it is worth getting quotes from different providers just to make sure.
Is a home warranty worth it?
Whether not a home warranty is worth it depends on the home and homeowner. If you think your items and systems could break down unexpectedly in the future, a home warranty is an easy way to avoid costly repairs. There is a possibility, however, that you avoid expensive repairs altogether during your home warranty term, and you end up paying each month for nothing. With that in mind, many homeowners with a home warranty find that the low monthly rate is worth it for the peace of mind of knowing that their most valuable systems and appliances are protected.
Do home warranties cover septic tank systems?
Septic tanks and pumps are not always covered by home warranties; however, if they are not covered by your providers' base plan, there's a high likelihood that septic coverage is available as an optional add-on.
Will a home warranty cover a leaky roof?
Not all home warranty companies offer roof leak coverage. Select Home Warranty, one of our top recommended providers, offers free limited roof leak coverage for parts of your roof above the living space. This free coverage is a great way to extend the life of your roof and stop problems before they start.
