5 Best Home Warranty Companies for Mobile Homes (2022)

Mobile homes have become increasingly popular among first-time homebuyers as a more affordable alternative to traditional site-built homes. 

Beyond their standard systems and appliances, manufactured homes have a few unique features that will require routine maintenance and eventual replacements — like nearly flat roofs, below-floor plumbing systems, and exterior skirting.

Yet after purchasing a home, most people are too strapped for cash to cover urgent home repairs upfront. Fortunately, a mobile home warranty can easily save you three figures per year on the cost of servicing an out-of-order appliance or system. 

Read on to find out what a mobile home warranty covers, how it’ll save you money in the long run, and our picks for the top five best home warranty companies for mobile and manufactured homes. 

The Best Home Warranty Companies for Mobile Homes in 2022

House Method researched over 40 carriers offering mobile home coverage and hand-selected five home warranty companies for their generous annual coverage limits, transparent claims processes, and generally positive customer testimonials from accredited sources like the Better Business Bureau (BBB).

Here is our refined list of the home warranty industry’s top contenders:

Name

Description

Our take: Best Overall
Plan options: 2 plans + optional add-ons
Monthly premium: $45-$53
Year founded: 2008
State availability: 49 states (excluding WA)

Score
9.7 / 10
Name

Description

Our take: Most Cost-Effective
Plan options: 3 plans + optional add-ons
Monthly premium: $57-$62
Year founded: 2012
State availability: 46 states (excluding NM, NV, WA, WY)

Score
9.6 / 10
Name

Description

Our take: Most Customizable
Plan options: 3 plans + optional add-ons
Monthly premium: $30-$75
Year founded: 1971
State availability: 49 states (excluding AK)

Score
9.5 / 10
Name

Description

Our take: Quickest Service
Plan options: 2 plans + optional add-ons
Monthly premium: $50-$63
Year founded: 2008
State availability: all 50 states

Score
9.4 / 10
Name

Description

Our take: Most Trustworthy
Plan options: 3 plans + optional add-ons
Monthly premium: $65-$80
Year founded: 2017
State availability: 48 states (excluding WA & WI)

Score
9.3 / 10
Name

Description

Our take: Best Workmanship Guarantee
Plan options: 3 plans + optional add-ons
Monthly premium: $35-$68
Year founded: 1978
State availability: 48 states (excluding AK & HI)

Score
9.2 / 10
Name

Description

Our take: Best for Immediate Coverage
Plan options: 2 plans + optional add-ons
Monthly premium: $53-$61
Year founded: 2016
State availability: 46 states (excluding CA, NV, NY, WA)

Score
9.1 / 10

1. Choice Home Warranty

For over 14 years, Choice Home Warranty (CHW) has remained a leading name in the home warranty category for its low-cost, customizable coverage for all types of residential properties, including mobile and manufactured homes. CHW is an excellent option for customers with an older mobile home, as it won’t ever base a claim decision on the age of the affected home appliance or system. 

Whether you own a single-, double- or triple-wide, Choice Home Warranty offers the same coverage dimensions for mobile homes as it does for stick-built houses. CHW’s two standard manufactured home warranty plans — Basic and Total — cover mobile homes under 5,000 square feet. Coverage for properties over 5,000 square feet is available through Choice, but for an additional payment. 

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Key Highlights

  • All repairs and replacements initiated by CHW are covered by a 90-day warranty on parts and 30 days on labor
  • New customers who opt to pay annually will receive an extra $50 off and one month of free coverage
  • Guarantees a claims decision in 48 hours or less

Plans, Cost, and Coverage

  • The Basic Plan ($45 per month / $560 per year): Covers 14 appliances and home systems, including heating, electrical, plumbing/plumbing stoppages, water heaters, whirlpool bathtubs, ovens/ranges/stoves, cooktop exhaust, built-in microwaves, dishwashers, garbage disposals, ductwork, and ceiling/exhaust fans
  • The Total Plan ($53.33 per month / $660 per year): Covers 18 items including all items in the Basic Plan plus air conditioning systems, clothes washers, clothes dryers, and refrigerators
  • Optional Add-Ons ($40-$180 per year): Pool/spa, well/sump pumps, central vacuum, limited roof coverage, septic systems, second refrigerators, stand-alone freezers, and septic tank pumping
  • Service Fee: $85

Fill out this form or call 929-400-6164 to get a free quote from Choice Home Warranty.

Read our full Choice Home Warranty review for more.

2. Select Home Warranty

Select Home Warranty (SHW) is the perfect provider for mobile homeowners who simply can’t resist a good deal. On top of its competitively priced policies and lower-than-average service call fees, SHW is also known industry-wide for its series of seasonal discounts.

Mobile homeowners who sign up with Select Home Warranty will have exclusive access to $150 off one of three standard plan levels, two months of free coverage, and complimentary roof leak protection. Also, if you ever decide to move out of your mobile home, SHW will transfer your policy to your new address free of charge.

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

Key Highlights

  • All customers are entitled to a 30-day money-back guarantee (so long as no claims have yet been filed)
  • Has a contractor network of over 10,000 licensed and pre-screened home repair technicians
  • Covers an unlimited number of repairs per contract term within your annual coverage limit

Plans, Cost, and Coverage

  • The Bronze Care Plan ($58 per month / $630 per year): Covers 8 appliances including garbage disposals, dishwashers, built-in microwaves, stoves/ovens, clothes washers, and dryers
  • The Gold Care Plan ($57.67 per month / $630 per year): Covers six major home systems, namely air conditioners, ductwork, heating systems, electrical, plumbing, and hot water heaters
  • The Platinum Care Plan ($62.08 per month / $699.99 per year): Covers all appliances and systems mentioned above plus plumbing stoppages, ceiling fans, and garage door openers
  • Optional Add-Ons ($39.99- $99.95 per year): Offers nine coverage riders for pools/spas, septic systems, well/sump pumps, lawn sprinkler systems, roof leaks, central vacuum, and stand-alone freezers
  • Service Fee: $60

For a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

Read our full Select Home Warranty review for more details.

3. American Home Shield

Founded in 1971, American Home Shield (AHS) has been protecting manufactured homes under 5,000 square feet since before the HUD code went into effect in 1976. With a customer base of over 2 million homeowners, AHS offers some of the most customizable plans on the market. 

American Home Shield’s standard coverage is branched off into three plan levels — ShieldSilver, ShieldGold, and ShieldPlatinum —  from least comprehensive to most. Mobile homeowners who enroll in Shield Platinum have exclusive access to limited roof leak coverage, one free HVAC tune-up per year, and unlimited A/C refrigerant. 

Also, AHS allows customers to choose their service fee of $75, $100, or $125. With a lower service fee comes a higher monthly premium and vice versa.

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

Key Highlights

  • Offers a few unique optional policy riders like electronics protection and coverage for guest units/on-site alternative dwellings up to 750 square feet in size
  • Covered items that can’t be repaired will be automatically replaced
  • Items with pre-existing conditions, damage due to lack of maintenance, or rust/corrosion are still eligible for coverage 

Plans, Cost, and Coverage

  • ShieldSilver ($29.27- $44.27 per month / $347.88 – $527.88 per year): Covers 14 major systems primarily related to heating and cooling, ventilation, electrical, and plumbing 
  • ShieldGold ($39.27 – $54.27 per month / $467.88 – $647.88 per year): Covers 23 systems and appliances with the same inclusions as ShieldSilver plus kitchen and laundry appliances like dishwashers, built-in microwaves, stoves/ovens, trash compactors, water dispensers, clothes washers/dryers, etc.
  • ShieldPlatinum ($59.27 – $74.27 per month / $711.88 – $891.88 per year): Combo plan of both ShieldSilver and ShieldGold plus roof leaks, one preseason HVAC servicing, A/C refrigerant, and protection for mobile home code violations
  • Optional Add-Ons: Offers coverage for pool/spa, septic pumps, well pumps, roof leaks, and guest house repairs
  • Service Fee: $75, $100, or $125

For a free quote from American Home Shield, fill out this online form or call 888-365-2839.

To learn more about AHS, visit our American Home Shield review

4. The Home Service Club

We highly recommend The Home Service Club (HSC) to anyone in the process of buying or selling. With only a ten-day waiting period required after sign-up — about two weeks shorter than most competing providers — new homeowners can promptly access their HSC home warranty benefits after closing. 

For customers on the seller’s side, The Home Service Club offers free listing coverage to help boost the marketability of your mobile home while also protecting you from breakdowns that might occur while your property is under contract.

HSC splits its coverage into two clear-cut Standard and Comprehensive Coverage plans with three service call fee options of $60, $75, or $95. 

Quickest service

  • Offers 2 plans + optional add-ons for over 10 items
  • Covers items regardless of their age, make, or model
  • Provides high coverage caps on essential systems and appliances
  • Has real estate home warranty plans

Key Highlights

  • Live customer service is available 24 hours a day, seven days a week, 365 days a year
  • Won’t deny repairs or replacements based on the age or manufacturer of covered appliances and systems 
  • One of the few leading providers to offer coverage in all 50 states and Washington, D.C.

Plans, Cost, and Coverage

  • Standard Coverage Plan ($50 per month / $650 per year): Covers 18 systems and appliances, including HVAC, plumbing, pipe leaks, electrical, built-in food centers, ovens/stoves, trash compactors, and more
  • Comprehensive Coverage Plan ($62.90 per month / $800 per year): Covers 33 systems and appliances including the items mentioned above plus re-circulating water pumps, gas/water/sewer leaks, plumbing stoppages, pest control, telephone and alarm wiring, smoke detectors, doorbells, and more
  • Optional Add-Ons ($3.33 to $16.66 per month): Offers additional coverage for, water/sewer/gas/power lines, roof leaks, sewage ejector pumps, pools/spas, sprinkler irrigation, well pumps, water softener, jetted bathtubs, dual-compressor refrigerators, and freestanding freezers
  • Service Fee: $60, $75, or $95 

To get a free quote from The Home Service Club, fill out this online form or call 800-842-9334.

Continue reading about HSC in our complete The Home Service Club review.

5. Liberty Home Guard

As one of the very few providers with an A rating from the Better Business Bureau (BBB), Liberty Home Guard (LHG) has earned its spot as the most trustworthy home warranty company in the industry. 

Both because of its credibility and easy-to-understand policy structure, we’d most recommend LHG to first-time mobile homeowners who are new to home warranties. 

Liberty Home Guard keeps the sign-up process painless with its tri-fold standard coverage. Customers will have the option to choose between an appliance plan, a systems plan, or a two-for-one package that combines both. LHG policyholders also have access to 41+ elective coverage add-ons for everything from light fixtures to gutter cleaning. 

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Key Highlights

  • Covers all LHG-sponsored repairs and replacements with a 60-day workmanship warranty
  • Has over 40 optional coverage riders with home service offerings that can’t be found with any other provider
  • Doesn’t have binding contracts, meaning LHG customers can cancel their mobile home warranty coverage at anytime 

Plans, Cost, and Coverage

  • Appliance Guard ($70 per month/$700 per year): Covers 11 appliances including, refrigerators, built-in microwaves, dishwashers, ranges/ovens/cooktops, ice makers, clothes washers/dryers, garbage disposals, and more 
  • Systems Guard ($74.99 per month/$750 per year): Covers nine systems including, HVAC, plumbing, water heaters, electrical, toilets, bath exhaust fans, and ceiling fans
  • Total Home Guard ($79.99 per month/$799.99 per year): A combination of the 20 appliances and systems in both plans mentioned above. 
  • Optional Add-Ons ($49.99 – $299.99 per year): Offers coverage for pool/spa, roof leaks, pest control, locksmithing, carpet cleaning, wine coolers/fridges, generators, plumbing fixtures, reverse osmosis water systems, and plenty more 
  • Service Fee: $75

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

Continue reading about LHG in our Liberty Home Guard review

What is a Home Warranty for Mobile Homes?

A mobile home warranty is a renewable service contract that guarantees discounted repairs and replacements for specified household features within your manufactured home as they break down due to age-related damage. 

Most home warranty agreements only include coverage for a select variety of major appliances and systems in their standard plans. Still, they may offer optional add-ons for customers looking to maximize their policy.

When a covered item breaks down from age or normal wear and tear, home warranty customers pay their provider’s pre-approved contractor a reasonably small service fee instead of the full cost to repair a system or appliance.

Mobile Home Warranty vs. Manufacturer’s Warranty

Because mobile homes are typically pre-fabricated, meaning they’re mass-produced in factory settings, most are covered by a limited-time manufacturer’s warranty as soon as the installation is complete. 

This short-term warranty usually lasts between one and three years and only covers functional failures in new homes due to factory defects and improper installation. While a home warranty won’t cover pre-existing conditions, it does offer more comprehensive coverage for major appliances, systems, and other areas throughout the home year after year.  

Is a Mobile Home Warranty Right for You?

Any owner of a manufactured or mobile home should consider a mobile home warranty. As we’ve covered, newly manufactured homes may be guaranteed under a builder’s or extended warranty, arguably giving you the first few years of ownership to identify your coverage needs. 

But for homeowners who perhaps purchased a used manufactured home with older chattels and fixtures, a mobile home warranty will safeguard your finances against likely repair and replacement costs. 

A mobile home warranty is also a valuable investment for homeowners new to the area. With a home protection plan, your service provider will automatically connect you with a reputable, pre-screened technician — no research required on your part.

Investing in a mobile home warranty is also a smart move if:

  • You own a pre-HUD manufactured home or a modular property over ten years old 
  • You have rolled steel roofing 
  • You have polybutylene “PB” piping

What Does a Mobile Home Warranty Cover?

Depending on the level of coverage you choose, a home warranty plan can cover anything from large appliances like refrigerators, dishwashers, and washing machines, to major systems such as HVAC, electrical, and plumbing.

Here are some other common items that are covered under a mobile home warranty:

Cost to repair Cost to replace Savings with warranty
Furnace $285 $4,249 $1,500
Air conditioner $347 $5,413 $1,500
Plumbing $305 $1,038 $643
Toilet $216 $370 $656
Electrical system $317 $1,287 $500
Refrigerator $310 $1,925 $1,385
Oven/range/stove/cooktop $150 $1,675 $1,400
Built-in microwave $125 $408 $1,485
Washing machine $310 $1,250 $1,600
Dryer $250 $1,075 $1,600

Though itemized inclusions and exclusions vary between providers, most mobile home warranties generally share the same coverage guidelines, in that most will only cover items that are:

  • Explicitly stated in the home warranty contract
  • Failing due to age-related deterioration or normal wear and tear
  • Have been properly installed, maintained, and used

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How Much Does a Mobile Home Warranty Cost?

A standard mobile home warranty policy costs about $30 to $60 per month or $360 to $720 per year. Homeowners who choose to add elective coverage riders for extra items like septic system or roof leak coverage should expect a $20+ increase in their premium. 

On top of a set monthly or annual premium, policyholders will also be charged a service call fee, ranging between $60 and $125, depending on the provider. Some companies, like American Home Shield, allow customers to choose their service fee from a sampling of deductible options, while other carriers like Select Home Warranty charge a fixed amount. 

Fortunately, most contracts guarantee home repairs for at least 30 days, so you won’t be charged for follow-up service requests if the problem persists after the maintenance appointment.

The amount you’ll pay for a mobile home warranty depends on several factors, including:

  • Level of standard coverage
  • Plan type
  • Coverage riders/add-ons
  • Size of the home 
  • Cost of living with your ZIP code

As you window shop for the best mobile home warranty plan for you, we strongly recommend getting quotes from a few different providers so you can compare pricing and select a policy that falls within your budget.

What are the Benefits of a Mobile Home Warranty? 

Aside from protecting your major home systems and appliances, a mobile home warranty has a few other perks:

  • Financial savings and discounts – House Method readers clued in on an array of deals and discounts on all the top home warranty providers. Look into the details of each company to find out whether they offer seniors or military discounts. 
  • Unique perks like discounts at retailers and restaurants and savings on appliances: Some home warranty companies offer special members-only benefits outlined on their website — this could mean big savings on brands like Whirlpool or GE.
  • Access to quick, professional repair services: Each home warranty provider has a network of experienced service professionals around the country that can fix or replace your home items if needed. Some companies have their professional contractors, and others contact local professionals in your area to get the job done.
  • Additional security and peace of mind: Without worrying that you’ll ever need to shell out thousands for an out-of-the-blue repair or replacement, you can relax and enjoy your time at home. When an appliance or system breaks, you won’t have to stress over how you’re going to pay for it. 
  • Higher resale value if you’re selling your mobile home: Typically, homes with a transferable home warranty already attached have an overall higher market value. A property covered by a home warranty also heightens buyer confidence in the listed condition of the property.

Frequently Asked Questions About Mobile Home Warranties

What is the best home warranty coverage for mobile homes?

Choice Home Warranty currently has the best home warranty options for mobile homes with cost-effective yet comprehensive coverage. Offering two base plan options accompanied by a la carte coverage riders, CHW keeps its policy framework simple while still leaving ample room to build out your policy as you see fit. 

What is the difference between a home warranty and home insurance?

A home warranty is an optional service contract that covers repairs and replacements of appliances and systems when they break due to normal wear and tear or age. Homeowners insurance is a policy required by mortgage lenders that covers the cost to repair or rebuild your property in the event of natural disasters, like tornadoes, hurricanes, or fires.

How long do home warranties typically last?

A one-year warranty is standard in the home warranty industry, but some companies like Select Home Warranty will offer customers discounts for enrolling in three-to-five-year home warranty plans.

Is a home warranty worth it for an older home?

Yes. Because older homes can have a lot of unknowns and defects that go undetected during the home inspection process, investing in a home warranty provides you with an added layer of financial protection against unforeseen maintenance and repair costs.

What doesn’t a mobile home warranty cover?

A home warranty won’t cover pre-existing damages or any damage to your systems and appliances resulting from improper installation or maintenance. Cosmetic defects (scratches, dings, etc.), issues at non-residential properties, and remediation for toxic materials like mold, asbestos, or lead paint also aren’t included in home warranty coverage.

Final Thoughts — Is A Mobile Home Warranty Worth It?

Adding mobile home warranty coverage from a reputable provider on top of your home insurance policy will ultimately save you more money in the long run. 

No matter how disciplined you are with routine tune-ups around your home, all appliances and systems will inevitably break down over time. And realistically, it’s far more likely these items will fail to function properly due to normal wear and tear rather than sustaining damage from a natural disaster. If you’re focused on getting your money’s worth, the yearly cost of a home warranty pays for itself within one to two repairs or replacements of an appliance or system.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. 

Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly and service fees compared to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we judged each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that set them apart from the competition.

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