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.
Mobile home owners often purchase home warranties for protection from expensive repairs that can cost thousands of dollars. A mobile home warranty can easily save you three figures per year on the cost of servicing an out-of-order appliance or system. As with other top home warranties, you pay a relatively small monthly premium and a service fee.
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.
Top Mobile Home Warranties
The reviews team has analyzed and ranked more than 40 major home warranty companies 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). We received real price quotes and talked to representatives from each company in order to get the data we needed on each company.
Here is our refined list of the home warranty industry’s top contenders:
- American Home Shield has the best overall home warranty for mobile homes
- Select Home Warranty has the best value for shoppers
- First American has the most comprehensive coverage plans
American Home Shield
4.2
Our Rating
If you’re looking for a mobile home warranty, we recommend American Home Shield above others. The company provides a quick claims response, unique and thorough coverage plans and a strong industry reputation. One downside to keep in mind is that its plans are not the cheapest. For cheaper plan options, consider Select Home Warranty’s plans and the Basic plans offered by First American (keep reading for the details on these three).
American Home Shield offers three plans for mobile homes: Appliances, Systems, and Combo. AHS places no limits on the amount of covered repairs or replacements you can have during the length of your contract. It also covers appliances and systems with undetectable pre-existing conditions.
Below we list out the items covered in each of American Home Shield’s plans. The two main options are the Appliances Plan and the Systems Plan. However, the Combo Plan combines these two, so all 21 of the items below are covered.
| Appliances plan | Systems plan |
| Refrigerator | Air conditioning and ductwork |
| Dishwasher | Heating system and ductwork |
| Built-in microwave | Plumbing and plumbing stoppage |
| Trash compactor | Electrical |
| Freestanding ice maker | Water heater |
| Range/oven/cooktop | Instant hot/cold water dispenser |
| Built-in food center | Central vacuum |
| Clothes dryer | Garbage disposal |
| Clothes washer | Smoke detector |
| Garage door opener | Ceiling fan |
| Doorbell | |
| Re-key |
You can also add one or more of the following five items: Pool and spa, well pump, septic pump, guest unit, electronics. Note that each will result in an upcharge on your premium.
When considering a home warranty, it’s important to understand the cost structure. Most plans are set up to have a monthly premium, plus a service fee paid at the time of service. You can select a service fee between $75 and $125 with American Home Shield. The higher the service fee you are willing to pay, the lower your monthly premium and vice versa.
Below are sample quotes the research team received from this company:
| Name of American Home Shield plan | Cost |
| Appliances plan | About $49.99 per month |
| Systems plan | About $49.99 per month |
| Combo plan | About $59.99 per month |
| Service Fee (all plans) | $75-$125 |
Select Home Warranty
4.2
Our Rating
Our research team rates Select Home Warranty as the Best for Value Shoppers because of its competitive pricing. The company offers monthly premiums that are less than $40 per month, one of the best prices for mobile home warranties. Select Home Warranty also offers an excellent promotion of $150 off and two months free for new customers.
Select Home Warranty offers three plan options to choose from: Bronze Care, Gold Care, and Platinum Care.
| Bronze Care | Covers your washer, dryer, dishwasher, cooktop, microwave oven, stove/oven, refrigerator, and garbage disposal |
| Gold Care | Covers your A/C, heating system, plumbing system, electrical system, water heater, and ductwork |
| Platinum Care | Covers appliances and systems contained in its Bronze and Gold plan and also covers your plumbing stoppage, garage door opener, and ceiling fan |
Optional add-ons: Pool pump, central vacuum, sump pump, well pump, roof leak, stand-alone freezer, lawn sprinkler system, septic system
Select Home Warranty offers some of the cheapest plans in the mobile home warranty market. That’s why the research team rates them Best for Value Shoppers. You get great coverage at a great price.
Here are the sample quotes we received when speaking with a representative:
| Plan | Cost |
| Bronze Care | About $35.83 per month |
| Gold Care | About $35.83 per month |
| Platinum Care | About $37.50 a month |
| Service Fee (All Plans) | $75 |
First American Home Warranty
3.9
Our Rating
Issues with claim coverage is something you may see in mobile home warranty reviews, but the research team found First American to be great in this regard. The company is known for its excellent HVAC coverage and acceptance of improperly installed or maintained items and those with unknown pre-existing conditions. The provider also offers a 30-day service guarantee.
First American Home Warranty gives you a choice between two plan options: Basic and Premier. First American notably replaces HVAC systems with high-quality, energy-efficient replacements. Moreover, the company doesn’t place caps on refrigerant for them.
The company’s Basic plan does not cover plumbing or electrical items, and its Premier plan does not cover central air conditioning. Still, its plans are competitive in the mobile home warranty market. Below we break down what’s covered as well as the optional add-ons:
| Plan | Coverages |
| Basic Plan | Covers your washer and dryer, cooktop, dishwasher, and more |
| Premier Plan | Covers appliances in the Basic plan and systems, including your heating, electrical, central vacuum systems, and more |
Optional Add-ons: Additional refrigerators, central air conditioning, pool/spa equipment, and well pump
The research team found that FAHW offers competitive pricing. The Basic plan is much cheaper than the Premier plan but does not cover plumbing or electrical items in a home. Ultimately, it comes down to value. If you want to have your home comprehensively covered in case of repairs, then the more expensive plan might be the best deal for you.
| Plan | Cost |
| Basic Plan | About $28 per month |
| Premier Plan | About $42.50 per month |
| Optional Add-Ons | Varies by item |
| Service Fee (All Plans) | $75 to $100 |
What Is a Mobile Home Warranty?
A mobile home warranty covers the essential systems and appliances in your home, such as your refrigerator, HVAC system, or plumbing. It varies in price, based on the provider you choose as well as the type of plan.
Other Home Warranty Resources
- What Are the Best Home Warranties?
- What Are the Cheapest Home Warranties?
- What Is the Best Home Appliance Insurance?
- What Are the Best Home Warranties for HVAC Systems?
- What Are the Best Home Warranties for Sewer Lines?
- What Are the Best Home Warranties for Water Heaters?
- What Are the Best Home Warranties for Rental Properties?
- What Are the Best Home Warranties for Condos?
- What Are the Best Home Warranties for Veterans?
- What Are the Best Home Warranties for Roof Coverage?
Final Thoughts — Is A Mobile Home Warranty Worth It?
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.
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.
Frequently Asked Questions
Who has the best home warranty plan?
The best home warranty plan is the one that suits your needs the best. We ranked American Home Shield as the Best Overall provider, but we also highly recommend Select Home Warranty, First American, and America’s 1st Choice Home Club.
Do home warranties cover mobile homes?
Yes, home warranties typically cover mobile homes. The top providers in the industry all provide home warranties for mobile homes.
Are home warranties worth the money?
Our review team believes that home warranties from reputable providers are worth the money because of the peace of mind and financial stability that they bring to many homeowners. You can read more about this in our article on the value of a home warranty.
