Is a Mobile Home Warranty Worth It?

By Kealia Reynolds | Advertiser Disclosure

A mobile home warranty can protect the appliances and systems in your home if they malfunction or fail due to normal wear and tear. While your items may be covered under a short-term manufacturer’s warranty or extended warranty, a mobile home warranty will cover these major appliances and systems year after year.

House Method created this guide on mobile home warranties to save our readers time, money, and confusion. Our team researched a variety of home warranty companies and compared monthly premiums and service fees, claims processes and customer service, and customer reviews from accredited organizations like the Better Business Bureau (BBB).

To help you find the best home warranty, we’ve narrowed this overwhelming selection down to three of the top home warranties for your mobile home.

Editor's Choice
  • 2 plans available + optional add-ons
  • Plans cost $36–$44 per month
  • Has over 10 years of industry experience
  • Provides a 90-day repair guarantee

Best customizable plans
  • 4 plans + add-ons and the option to build your own plan
  • Plans cost $50–$55 per month
  • Customers can choose the service call fee they want to pay
  • Provides generous coverage caps

Most cost-effective plans
  • 3 plans + optional add-ons
  • Plans cost $36–$38 per month
  • Offers free roof leak coverage
  • Provides discounts to customers who sign up for multi-year plans

What is a mobile home warranty?

A mobile home warranty is a service agreement between homeowners and a home warranty company of their choice. It covers repairs or replacement costs of systems and appliances that are specifically covered under contract.

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

What’s covered under a mobile home warranty?

Mobile home warranties cover items that are A) specifically written into the contract, B) have broken from age or normal wear and tear, and C) have been properly installed and maintained. As a mobile homeowner, you will have three levels of home warranty coverage to choose from: a systems-only plan, an appliances-only plan, and a combination plan. 

Systems plans only cover home systems, while appliance plans protect only appliances. Comprehensive combo plans cover a mix of systems and appliances. You can also customize your plan with optional add-on coverage for items like roof leaks or a septic system.

Depending on the level of coverage you choose, a home warranty plan can include large appliances—like a refrigerator, dishwasher, and washing machine—to major systems such as heating and cooling, ductwork, 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

How much does a mobile home warranty cost?

Mobile home warranties cost $25 to $50 per month. For more comprehensive coverage, you’ll probably pay closer to $50. You may be able to get a cheaper home warranty by choosing a custom plan and only paying for coverage on select items.

In addition to a monthly premium, you’ll be charged a service fee per claim that ranges between $75 and $125. Some companies like American Home Shield, will allow you to choose your own service fee, while companies like Select Home Warranty pre-determine the service fee for you. Fortunately, most contracts guarantee home repairs for at least 30 days, which means you won’t be charged for repeat visits if the problem persists.

Because mobile home warranty prices depend on the provider you go with, the amount of home warranty coverage you want, and where you live, we recommend getting quotes from a few different providers so you can compare pricing and select a plan that falls within your budget.

Benefits of a mobile home warranty

In addition to providing protection for your major home systems and appliances, a mobile home warranty offers the following benefits:

  • Financial savings and discounts
  • Unique perks like discounts at retailers and restaurants and savings on appliances
  • Access to quick, professional repair services
  • Additional security and peace of mind
  • Higher resale value if you’re selling your home

Who needs a mobile or manufactured home warranty?

Any owner of a manufactured or mobile home should consider a mobile home warranty. Although optional, you’ll save money and gain peace of mind. Newly manufactured homes could be covered under a builder’s or manufacturer’s warranty for one to two years, but if your home is older than that, we recommend signing up for a home protection plan.

Our Conclusion

The bottom line is that we, at House Method, believe it’s a good idea to get a home warranty on top of your homeowners insurance. Appliances and systems will inevitably break over time and it’s more likely these items will break due to normal wear and tear than be stolen or damaged by a natural disaster.

We’re a fan of wise investments at House Method, which is why we suggest shopping around for a mobile home warranty before you buy. Consider getting quotes from all three providers listed in this article so you can compare pricing and price match with the lowest offer you receive.

Frequently Asked Questions about Mobile Home Warranties

How long does a home warranty 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.

What doesn’t a home warranty cover?

A home warranty won’t cover pre-existing damages or any damage to your systems and appliances that was a result of improper installation or maintenance. Rust, corrosion, and mold are also not covered.

How do I file a home warranty claim?

If a major system or appliance breaks down, call your home warranty company or submit a claim online. Your claim should be approved within 48 hours and a contractor should be assigned to your case. When the contractor arrives to diagnose the issue, they’ll assess if the broken item needs a repair or replacement and you’ll pay the set service call fee.

What’s the difference between a home warranty and homeowners 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 hail or fire.

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