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6 Best Home Warranties for Mobile Homes of 2023
By Susan Doktor MONEY RESEARCH COLLECTIVE
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Home warranties are a popular way for homeowners to protect themselves against unexpected home repair bills. But the definition of “home” is fluid. Some of us live in “stick-built” single-family homes, while others live in condominiums, townhouses, manufactured homes and mobile homes.
There are dozens of home warranty companies out there. But not all offer coverage for mobile, manufactured or modular homes. So we’ve scoped out the best home warranties for mobile homes for you and reviewed them in detail below, to help you find a warranty that suits your needs as a mobile homeowner.
Note that all home warranty prices quoted in this article are for a mobile home located in Flagstaff, Arizona. Home warranty prices can vary depending on your location. Premiums vary depending on the deductible you pay when you file a home warranty claim. For the most accurate pricing for your home, request a free quote from the home warranty companies you’re considering.
Table of Contents
Our Top Picks for Best Home Warranties for Mobile Homes
Best Home Warranties for Mobile Homes Guide
Best Home Warranties for Mobile Homes FAQs
How We Evaluated the Best Home Warranties for Mobile Homes
Summary of Our Guide to the Best Home Warranties for Mobile Homes
Our Top Picks for Best Home Warranties for Mobile Homes
Cinch Home Services
- Three plans to choose from
- Exceptionally low premiums
- Choose your own deductible
- Partial reimbursement (up to $500) when you file a homeowner's insurance claim in connection with a repair covered by your Cinch home warranty
- Fewer add-on coverages than some companies
- Higher service call fees, starting at $100
| Plan name | Plan cost |
| Appliances plan | $27.99 |
| Built-in systems plan | $32.99 |
| Complete Home Plan | $39.99 |
According to Cinch Home Services, “Cinch’s protection plans cover all types of single-family residences, including condominiums, townhomes, modular homes and manufactured homes anchored to a permanent foundation. However, shared appliances or systems are not covered.” Mobile homes, therefore, are only covered when they are attached to a foundation. If you haul your mobile home from place to place, bear in mind that you can’t buy a Cinch home warranty protection for those times when your mobile home is “free-floating”.
Cinch Home Services offers three plan options. You can buy separate coverage for your mobile home’s systems or its appliances. You can also choose a combination plan that covers both.
If you choose the company’s $150 deductible, all of Cinch’s plans feature relatively inexpensive monthly premiums. If you choose a lower deductible, your premiums will rise. That’s the case with all home warranty companies. Still, even when you choose the lowest Cinch deductible ($100), prices remain competitively low.
If your home is connected to a septic system, you can purchase coverage for it as an add-on option for a separate fee. The same goes for your well pump if you’re not connected to a municipal water line. The company does not specify the fee for septic system coverage. But you can contact a customer service representative to find out.
Select Home Warranty
- Offers a choice of systems-only, appliances-only, and combination plans
- Large network of contractors
- No age limit for coverage of appliances
- Low monthly fee for septic system coverage
- Service fees not mentioned on its website
- Relentless robo calls and texts when you enter your information
- $500 cap on appliances
| Plan name | Plan Cost |
| Bronze Care | $44.42 |
| Gold Care | $42.43 |
| Platinum Care | $47.75 |
Select Home Warranty allows customers to purchase the coverage they need by offering systems-only, appliances-only and whole home coverage. Mobile home protection is offered for the same price as for any other single-family dwelling.
Select Home Warranty’s Platinum Care plan is among the least expensive comprehensive coverage plans we’ve come upon, at least when judged by its premiums. But it’s difficult to compare how much value any of its plans deliver because the company doesn’t publish its service call fee (or fees) on its website. High deductibles can drive the actual cost of coverage up significantly.
Select Home Warranty offers septic system coverage for about $5 per month. Specific septic coverage includes the septic tank itself, aerobic pumps, sewage ejectors and jet pumps. Coverage for well pumps cost an additional $3.33 per month.
American Home Shield
- Over 50 years in business
- Up to $6,000 per appliance replacement coverage (Shield Platinum Plan)
- Covers appliances that have not been well-maintained
- Unlimited systems coverage
- No appliances-only plan available
- Septic coverage excludes septic tanks
| Plan name | Plan cost |
| ShieldSilver | $35.52 |
| ShieldGold | $55.82 |
| ShieldPlatinum | $89.42 |
American Home Shield plans are distinguished for having fewer exclusions and higher coverage limits than other home warranty plans. AHS will cover appliances that have been poorly maintained, while other companies limit coverage to repairs necessitated due to normal wear and tear. That’s an important benefit when you move into a new home and don’t know how carefully the previous owner maintained the home’s appliances.
The company also stands out for its potentially high coverage limits on appliances. If you select American Home Shield’s ShieldPlatinum plan, you may get up to $6,000 in appliance coverage. Given the rising cost of home appliances and the popularity of high-end appliances, that’s an important differentiator.
AHS doesn’t offer separate coverage for appliances, but you can buy a systems-only plan. If your home’s systems are new or in excellent repair, AHS coverage may not be suitable for you.
American’s ShieldGold plan offers comprehensive coverage for appliances, including ranges, cooktops, ovens and built-in microwaves, refrigerators, washers and dryers, garbage disposals and instant hot water dispensers. It also includes your home’s major systems, including cooling and heating, electrical and plumbing systems and water heaters. At $55.82 per month, ShieldGold represents a pretty good value.
At $89.52 per month, American Home Shield’s ShieldPlatinum plan is a little on the pricey side. But it does offer some attractive benefits, including limited roof leak repairs, free HVAC tune-ups, unlimited air conditioning refrigerant top-ups and coverage for code violations, permits and modifications.
You can purchase septic coverage as an add-on option from AHS, but it only covers your septic pump components and not septic tanks themselves.
Liberty Home Guard
- Offers systems-only, appliances-only and combo plans
- Customize your plan with additional coverage options
- Website features live chat
- Systems coverage capped at $2,000 per system
- No option to customize your deductible
| Plan name | Plan cost |
| Appliance Guard | $49.99 |
| Systems Guard | $54.99 |
| Total Home Guard | $59.99 |
Liberty Home Guard offers three customizable plans, including separate coverage for appliances and systems. The company’s Appliance Guard plan offers comprehensive coverage for both kitchen and laundry room appliances, including cooktops, ranges and stoves, refrigerators, and built-in microwaves and clothes washers and dryers. Less expensive items, like garage door openers, garbage disposals and ceiling fans are also covered under the Appliance Guard plan.
Liberty Home Guard’s System Guard plan covers electrical systems, plumbing systems, and heating systems (including ductwork), as well as water heaters. Air conditioning is not covered under the plan, but if you step up to the company’s Total Home Guard plan, you will be covered.
Liberty Home Guard’s Total Home Guard plan offers whole-home coverage for both systems and major home appliances. It covers everything in its appliance and systems plans and adds in air conditioning and heating systems.
Liberty Home Guard stands out for offering 42 add-on options. That’s as long a list as any we’ve seen while researching home warranty companies. If you’d rather farm out chores like window cleaning, gutter cleaning, power washing your mobile home’s exterior or carpet cleaning, Liberty Home Guard has an optional coverage for you.
Overall, Liberty Home Guard assesses modest premiums for each of its plan options. You don’t, however, have the ability to choose your own deductible. Liberty Home Guard’s standard service call fee is $125. Often warranty companies use higher service call fees to give homeowners lower premiums. That can turn out to be a good thing or a bad thing, depending on how often you file a home warranty claim during your contract term.
Liberty Home Guard offers limited septic system coverage as an option. Its septic coverage includes septic pumping, ejector pumps and grinder pumps, but does not cover corrosion or other problems with septic tanks.
Choice Home Warranty
- Two combination plans to choose from
- Both plans covers a wide range of system and appliance breakdowns
- Inquire about available discounts
- No separate coverage for systems of appliances
- Single deductible option
| Plan name | Plan cost |
| Basic plan | $46.83 |
| Total plan | $54.75 |
Customers don’t have quite as many choices when they purchase a home warranty through Choice Home Warranty. You can’t buy separate coverage for systems and appliances and you cannot customize your deductible. Instead, the company offers two combination systems-and-appliances plans — Basic and Total.
That being said, Choice Home Warranty’s Basic plan, with a premium of $46.83 monthly for a mobile home, compares favorably to other home warranty companies’ opening price point plans. Depending on how your mobile home is equipped, you may find the Basic plan’s coverage incomplete. For example, refrigerators, washers and dryers are not included. The plan also covers heating, electrical, and plumbing systems and water heaters, but again, the Basic plan has its limits: it excludes air conditioners and air conditioning systems.
The company’s Total plan bridges some of the gaps in the Basic plan. It offers coverage for washers and dryers and covers your air conditioning system. So if your home is equipped with a washer, dryer and air conditioning, the Total plan is probably a better deal, since it only costs about $8 more per month.
In addition, Choice Home Warranty allows you to customize your coverage with 11 options for add-on coverage. Septic system coverage is one of the options you can choose. Septic pumping is available as a separate coverage.
First American Home Warranty
- Three plan options
- Choose your preferred deductible ($75, $100 or $125)
- Publishes sample contract online
- No separate coverage for appliances or systems
- Starter plan offers limited coverage
- Information on add-on coverage options is lacking
| Plan name | Plan cost |
| Starter plan | $37.00 |
| Essential plan | $46.00 |
| Platinum plan | $59.00 |
First American Home Warranty offers homeowners a choice of three combination plans, which cover a mix of major home systems and home appliances. Separate coverage is not available for systems or appliances.
At just $37 per month, First American’s Starter plan is very affordably-priced when compared to other combination plans. But when you dig into the plan’s details, you’ll see that coverage under the plan is limited. It doesn’t, for example, include coverage for laundry appliances, air conditioning systems or water heaters. But it does cover other critical systems like heating, plumbing and electrical.
If you select either First Home Warranty’s Essential or Premium plan, you do get coverage for clothes washers, dryers, water heaters and central air conditioning. Window air conditioners are also covered under these plans. The Premium plan also includes coverage for luxury appliances, faucets, garbage disposals, hot water dispensers and garage door systems if you happen to have one.
First Home Warranty offers mobile homeowners the option of setting their deductible at either $75, $100 or $125. The company also offers some optional coverages that may interest you, including septic systems and limited roof leaks.
Guide to the Best Home Warranties for Mobile Homes
Main things to know before purchasing a home warranty for a mobile home
Home warranties can be a great strategy for lowering the cost of home repairs to major home appliances and systems. They’re designed to give you peace of mind that an unexpected equipment failure won’t deal a death blow to your budget. But mobile home warranty plans don’t cover everything in your mobile home. They won’t cover major structural defects in your home’s chassis or foundation, for example. Even beyond those major exclusions, plans vary widely. Some differentiate between plumbing systems and plumbing stoppages. Faucets and hot water dispensers may not be part of your coverage, either. Ice makers may not be part of your refrigerator coverage. So it’s important to choose one that reflects your mobile home’s unique features. In addition, most home warranty companies collect premium payments from homeowners for thirty days before coverage kicks in.
How does a home warranty work?
Home warranties are contracts between a homeowner and a home warranty provider. They’re issued for a particular length of time — most often a year — but some companies sell multi-year contracts at a discount. With a home warranty, you pay monthly premiums. You also pay a service call fee (or deductible) each time a technician comes to your home to repair or replace a covered item.
What does a mobile home warranty cover?
That depends entirely on the home warranty company and individual plan you choose. Mobile home protection can be defined in a lot of different ways. It can be a little overwhelming, but before you buy a home warranty, it’s essential to examine the plan’s coverage details, coverage limits, and exclusions. Some companies offer separate coverage for systems or appliances, while others only offer combination coverage plans. Most companies also make optional coverages, such as for septic systems and second refrigerators available, as well.
How much does a home warranty for mobile homes cost?
Costs vary widely in the home warranty industry. But basically, you get what you pay for. The least expensive plans out there offer more limited coverage than their pricier counterparts. Plans with low premiums often come with high deductibles. Each home warranty provider has its own calculus. They figure out a cost/coverage balance that allows them to profit. In addition, home warranty costs can vary by location and by the size of your home.
What are the exclusions in a home warranty for mobile homes?
All home warranties for mobile homes have exclusions. But once again, they vary from company to company and from plan to plan. The best way to get informed on a plan’s exclusions is to read the sample policy provided by the home warranty company. Some companies provide these online. If a company you’re considering doesn’t, it’s incumbent on you, as a smart shopper, to request a copy from a customer service representative.
Best Home Warranties for Mobile Homes FAQs
Is a home warranty for a mobile home worth it?
Does a home warranty for a mobile home cover flat tires?
How long are the terms for a home warranty for a mobile home?
How much is the deductible for a home warranty for mobile homes?
How We Evaluated the Best Home Warranties for Mobile Homes
We considered a wide range of criteria before deciding which home warranty companies we’d list as our top choices and submitting our mobile home warranty reviews. These included the degree to which a company offered customers choices. We included companies that offer separate coverage for systems and appliances, as well as combination plans.
We looked for companies that allowed mobile home owners to customize their deductibles and, for those that didn’t, how much each service call would cost. We favored companies that made their coverage limits and exclusions accessible online so that customers could have a clear understanding of what they could expect from their plans. And we considered the add-on options offered by each home warranty company, paying special attention to septic system coverage, since many mobile homes are not connected to public sewer lines.
Summary of Our Guide to the Best Home Warranties for Mobile Homes
Mobile home owners have a lot of choices when it comes to purchasing a home warranty. Most companies that cover traditional homes also cover manufactured homes. Plans and prices vary widely depending on the number of items they protect, the deductible you choose, your location, and the actual dollar limits of the coverage under the plan. Mobile home warranties can be a great way to budget for home repairs and avoid unexpected home repair bills. If you’re a mobile home owner who’s considering buying a home warranty, it’s important to really dig into the details of your coverage — especially coverage limits and policy exclusions — before deciding which is the best mobile home warranty for you.
