My grandparents lived in a mobile home for as long as I can remember. I have fond memories of helping my grandpa do repairs and maintenance tasks in, around, and under it. I didn’t know it then, but those lessons were the foundation on which I would build my skills and career in the construction industry as a roofer and carpenter (and occasional personal handyman for my grandparents.)
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Given my experience, I’m pretty familiar with the unique needs and requirements of mobile homes, especially in terms of the mechanical and physical side of owning and maintaining one. In many ways, they’re the same as a stick-built house, but in many ways, they’re different. Because of that, choosing a home warranty company for your mobile home can be a bit tricky. There are a lot of potential catches and hang-ups buried in the fine print, so trying to find the best one can be confusing and opaque.
Worry not. I’ve spent numerous hours researching best home warranty companies, reading through the fine print of their agreements and identifying the five companies I think are best suited for mobile home owners. I’ve vetted their services against our in-house review standard, which assesses companies over multiple categories and subcategories, and I’m confident to say that most mobile home owners would be satisfied with any one of them. However, let’s take a look at the specifics of each, their pros and cons, and see if we can’t find the best one for you.
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.
Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.
We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.
Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.
Read our full Home Warranty Review Methodology for more details.
Top 5 Home Warranty Companies for Mobile Homes
- Liberty Home Guard is my top choice for best home warranty company for mobile homes for their abundance of add-ons and quality of life extras, such as a 30-day money-back guarantee and the ability to take your plan with you to a new home.
- Most companies offer a sample service agreement on their website that outlines all their services, add-ons, exclusions, and legal fine print. Reviewing it carefully is the most efficient, accurate way to assess a company and find out if they’re right for you.
- Beware of reviews and reports that companies drag their feet or deny claims. If they’re not paying out for repairs when customers are entitled to them, they’re little more than a scam.
My Expert Recommendation
Home Warranty Companies for Mobile Homes I Didn’t Include
Cinch Home Services
I didn’t include Cinch Home Services because they don’t cover mobile homes. I only found this out by reading the fine print of their service contract, which is frustrating. I find it unfortunate that pertinent information like that isn’t stated up front. Because of that, I wasted time I could’ve otherwise spent on something more productive. They’re not the worst home warranty company, but they’re certainly disqualified from this list.
American Home Protect
American Home Protect missed the list because of a few problems. They only have a single coverage plan, which doesn’t give customers many options to customize their service or find something within their budget. Coverage limits were also fairly low compared to other companies. They also lacked coverage for specialty items, such as electronics and roof leaks. Generally, they fall short of what a home warranty should cover.
Compare The Highest Rated Home Warranties for Mobile Homes
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Company | Rating | Monthly Cost | Service Fee | Response Time | BBB Rating | Link |
---|---|---|---|---|---|---|
$50-$60 | $75 | 12-48 hrs. | NR | Get Quote | ||
$35–$75 | $100–$125 | 24-72 hrs | B | Get Quote | ||
$44.99-$58.99 | $70 | 48 hours | A+ | Get Quote | ||
$46–$55 | $85 | 24-48 hrs. | B | Get Quote | ||
$52–$58 | $75-$85 | 24-48 hrs. | B | Get Quote | ||
$38–$62 | $75–$125 | 48 hours | B | Get Quote | ||
$38–$48 | $75–$125 | 48 hours | B | Get Quote | ||
$17–$60+ | $65–$100 | 24 hrs | A- | Read Review | ||
$28–$68 | $100–$150 | 2–24 hrs | B | Get Quote |
Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.
Our Reviews of the Best Home Warranties for Mobile Homes
Liberty Home Guard
4.6
Our Rating
Liberty Home Guard (LHG) has the most add-ons of any company on the list, so it’s my suggested go-to for anyone who’s looking for highly customizable coverage. It’s especially suited to mobile home owners, since some systems — such as wells and septics — are more common to mobile homes than conventional houses. LHG has two dozen different add-ons, from central vacuum systems to sump pumps to TV mounting. From where I’m standing, there doesn’t seem to be anything Liberty Home Guard won’t cover.
LHG has several other features I like. They offer a 30-day money-back guarantee (minus a $50 cancellation fee and any outstanding cost for claims made within that 30 days) so you can try out their service and see how you like it. If you find that you don’t like it or you find another company more suited to your needs, you can simply call them and cancel (for any reason, no questions asked.) You can also change your plan within the first 30 days, so if you decide you need a plan with additional coverage, less coverage, or a couple more add-ons, it’s as easy as making a phone call to switch. LHG gives you discounts on major, name-brand appliances. Finally, you can choose your own contractor to perform claims service and take your coverage with you if you move.
Compared to other companies, such as American Home Shield, LHG’s coverage limits are a little low. They’re not terrible by any means, but if you have high-end appliances, you might have to purchase add-on coverage to ensure that they’re fully covered. Outside of that, the average homeowner should be adequately covered under LHG’s base coverage limits. Remember to read through your agreement to be sure.
LHG doesn’t cover mobile home roof leaks, plumbing leaks in a slab, and exposed gas line repairs. Considering that many mobile homes are parked on slabs and have exposed lines underneath them, that’s less than desirable. That said, some of these coverage options that are common to mobile homes are often a bit lacking with home warranty companies. LHG isn’t the worst offender here.
LHG is one of my top choices on this list. Their array of add-ons means you can customize your plan to suit your needs and the unique demands of a mobile home. With multiple quality-of-life additions, such as being able to take your plan with you if you move, and a 30-day money-back guarantee, there’s a lot to love. It’s the little things that really set a company apart, especially when it’s a service company, and LHG does them well. Coupled with their solid base service, they’re one of the strongest companies on the list, if not the strongest.
The issue with lacking coverage for mobile home roof leaks, plumbing leaks in a slab, and coverage of exposed gas lines isn’t ideal, though. While it has extensive coverage of other areas of the home, those three things are pretty important to have covered for many mobile home owners.
LHG is exceptional in its plans and coverage. The three plans they offer are well priced and provide great coverage with minimal exceptions and exclusions. Liberty is one of the strongest, if not the strongest, in this category. They’re also the best company on the list for service fees, going as low as $60 per claim. The fees vary according to the nature of the claim, so you can’t expect it to be $60 every time, but you can anticipate some flexibility in your fees.
Plan | Monthly Cost | Service Fee | Available Discounts |
Total Home Guard | $59.99 | $60 – $125 | $200 off with 2 free bonus months, free limited roof leak coverage |
Systems Guard | $54.99 | $60 –$125 | $200 off with 2 free bonus months, free limited roof leak coverage |
Appliance Guard | $49.99 | $60 – $125 | $200 off with 2 free bonus months, free limited roof leak coverage |
Editor’s Note: The cost data mentioned in this article was sourced for a mobile home under 5,000 square feet in St. Louis, MO. The cost data presented was accurate at the time of writing.
Available Add-Ons
Liberty Home Guard has an extensive array of add-ons to choose from, which is its stand-out quality as a company. As you can see from the list below, they cover just about everything. Importantly for mobile home owners, they offer a lot of septic system-oriented add-ons, such as ejector pumps and grinder pumps.
- Pool and spa: $19.99/month
- Additional spa: $9.99/month
- Lawn sprinkler system: $9.99/month
- Saltwater pool: $23.99/month
- Generator: $19.99/month
- Casita guest unit: $35.99/month
- Electronics protection: $19.99/month
- TV mounting (less than 65 inches): $14.99/month
- TV mounting (more than 65 inches): $19.99/month
- Pro-series refrigerator: $14.99/month
- Pro-series stand-alone freezer: $14.99/month
- Pro-series range/oven/cooktop: $12.99/month
- Pro-series dishwasher: $7.99/month
- Pro-series microwave: $4.99/month
- Pro-series washing machine: $4.99/month
- Pro-series clothes dryer: $4.99/month
- Central vacuum: $8.99/month
- Stand-alone freezer: $5.99/month
- Water softener: $13.99/month
- Swamp cooler: $14.99/month
- Second refrigerator: $7.99/month
- Trash compactor: $7.49/month
- Ice maker: $3.99/month
- Freestanding ice maker: $14.99/month
- Wine cooler: $11.99/month
- Water dispenser water line: $4.99/month
- Instant hot water dispenser: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Limited roof leak: $11.99/month
- Re-key: $9.99/month
- Gutter cleaning: $14.99/month
- Pest control: $14.99/month
- Carpet cleaning: $19.99/month
- Window washing: $19.99/month
- Power washing (exterior flooring): $19.99/month
- Lighting fixtures: $7.99/month
- Plumbing fixtures: $7.99/month
- Sump pump: $8.99/month
- Well pump: $12.99/month
- Septic system pumping: $12.99/month
- Ejector pump: $14.99/month
- Grinder pump: $14.99/month
Exclusions
- AC: gas systems, roof mounting hardware, geothermal piping
- Heating: geothermal; any outdoor piping
- Plumbing: cracked porcelain, shower and tub pans, toilet lids and seats, gas lines
- Electrical: carbon monoxide and smoke detectors, doorbells
- High-end, name-brand appliances such as GE Monogram, KitchenAid, Bosch, Liebherr, Lynx, and others
- Flues, vents, and chimneys
- Filters
- Disposal of old appliances
- Handling of any hazardous or bio-organic material, such asbestos or mold.
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
LHG is middle of the road as far as pricing goes — some of their competitors are cheaper and some are more expensive. That’s just in terms of base plans, though. Add-ons will increase the price. To get the best deal, LHG offers discounts for longer agreements, so signing up for five years, as opposed to one, will lower your monthly payment and save you some money in the long run. Overall, you’ll get good prices and great value for your money with LHG.
Liberty Home Guard’s customer service is very good, with friendly and helpful representatives. The company has glowing reviews on Trustpilot and Google. They consistently mention the helpfulness, professionalism, and knowledge of company reps. Technicians are often praised for being timely, professional, and completing quality repairs. In the thousands of reviews across multiple review sites, it’s hard to find any critical ones. Their customers seem overwhelmingly pleased with the service.
As of early 2024, Liberty Home Guard had an A+ BBB rating, which was among the best on this list. However, an issue arose between them and the Better Business Bureau that caused Liberty to lose their A+ and be rated as NR, or not-rated. Despite that, customer reviews for LHG, including on the BBB website, are overwhelmingly positive. Reviewers report quality customer service from knowledgeable reps, timely appointments, a high rate of claims acceptance, and professional, hardworking service technicians. As so many mobile homeowners live in rural or outlying areas, responsive service is crucial to getting claims resolved promptly. LHG really excels on this front, and of all companies on the list, they’re one of the best.
Rating Site | Rating | Number of Reviews |
BBB | NR* / 4.49 out of 5 stars | 2,466 |
Trustpilot | 4.7 | 3,084 |
4.7 | 10,999 | |
Yelp | 1.2 | 64 |
Editor’s Note: The ratings provided were accurate at the time of writing.
*Note (as of 5/9/24): Recently the Better Business Bureau shifted LHG’s A+ rating to “NR” (Not Rated). We reached out to a representative from LHG for comment and they shared this statement: “Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”
Liberty’s claim process is pretty standard for the industry. You can file a claim and view its status through their online system, or you can file a claim over the phone and receive updates directly from their claims team. Upon payment of the service fee, Liberty will contact a service technician within 48 hours who will meet with you at your mobile home to get you back up and running.
Issues in a mobile home can compound quickly. Leaks can seep into vital systems and damage difficult-to-replace components. Mobile homes don’t always have the most robust insulation, so heating or AC failures can result in the temperature becoming uncomfortable quickly. Liberty will work to get a technician to your home as soon as possible and avoid those potential issues, so they can be a real asset to you.
Liberty Home Guard is available nationwide, including Washington, D.C. Their availability makes them stand out from competitors who, despite having good availability, often miss a few states, such as Alaska and Hawaii. LHG also has a nationwide system of technicians, with multiple technicians in each state, meaning quick repairs and timely service for your mobile home.
American Home Shield
4.3
Our Rating
American Home Shield (AHS) provides plans with a lot of features and great coverage limits compared to other top-rated companies. Reading through their service contract, I found many small considerations that make the customers’ lives easier. For example, on all their plans, they cover refrigerant for AC systems, whereas their competitors don’t. They also have the best appliance coverage limits of companies on this list ($2,000 to $4,000, depending on the plan), making them perfect for customers with higher-end systems and appliances.
Another nice thing I found in the fine print is they allow customers to nominate an authorized representative to act on their behalf with the company. That’s a great service for elderly customers or customers who might otherwise have trouble interacting or communicating with the company.
American Home Shield doesn’t cover window AC units, which can hurt some mobile homeowners. Central air isn’t always feasible with mobile homes, and plenty of mobile homeowners rely on window AC units for all their cooling. This means American Home Shield falls short compared to contenders on the list, many of which do offer coverage for window ACs.
They also fall short on some mobile-home-specific add-ons such as septic pump coverage. While they generally have great coverage limits, their limits on septic pumps are low ($500). It’s not uncommon for pumps to go above $500, so you might risk ending up in a situation where you have to pay more out of pocket or settle for a pump that comes in under the $500 cap. For a system as important as the septic system, I don’t find that to be very desirable. They also don’t cover roof leak repairs for mobile homes. That’s probably not a huge loss, as roof leak coverage isn’t great across the entire home warranty industry, but it does mean mobile homeowners are left with no coverage at all.
American Home Shield is a good company with solid service and great coverage limits. Their service contract is very detailed and features a lot of things I like and only a few I don’t. The interesting part is a lot of those things I liked didn’t make it into the marketing on their website. While they have a great website with lots of good information, I think prospective customers would benefit from taking a look at an American Home Shield sample service agreement to see some of the positive things they choose to omit, such as coverage for ceiling fans, exhaust fans, and showerheads.
On the flip side, there are some things they could do better. Coverage for certain items that are common for mobile homes is lacking. Not covering AC window units is a big one, as many mobile homeowners have window units. They don’t cover roof leaks for mobile homes. The coverage limit on septic pumps is low. I don’t think any of these are deal-breakers, but they’re something to bear in mind when considering your options. I have a positive impression of American Home Shield, and I found nothing that threw up any red flags, so I think most mobile homeowners would be happy with them, even if that means accepting they fall a bit short in a couple of places.
American Home Shield gives you the choice of three plans, all of which provide good coverage but skew to the higher side of cost. While the ShieldPlatinum plan is a bit on the expensive side, it’s a very thorough plan that covers all the essential and most non-essential items. I would rate ShieldGold and ShieldSilver as slightly better values. Still, if you want the comfort of knowing that your mobile home is robustly covered, ShieldPlatinum is among the best plans offered by any company on this list.
For all plans, you have a choice between a $100 and $125 service fee, with the higher service fee leading to a lower monthly cost.
Plan | Monthly Cost | Service Fee | Available Discounts |
ShieldPlatinum | $89.99 – $99.99 | $100 – $125 | 40% off on signupAARP (American Association of Retired Persons) discountMilitary and veteran discounts$50 off on multiple home plans |
ShieldGold | $59.99 – $69.99 | $100 – $125 | 40% off on signupAARP discountMilitary and veteran discounts$50 off on multiple home plans |
ShieldSilver | $39.99 – $49.99 | $100 – $125 | 40% off on signupAARP discountMilitary and veteran discounts$50 off on multiple home plans |
Editor’s Note: The cost data mentioned in this article was sourced for a mobile home under 5,000 square feet in St. Louis. The cost data presented was accurate at the time of writing.
Available Add-Ons
American Home Shield has the fewest add-ons of companies on my list. I find this a bit disappointing because it doesn’t allow for a high level of customization. That said, the add-ons they do offer are lower-cost compared to approximate add-ons offered by competitors. Coupled with the great coverage of their base plan, you should be able to find a combination that provides broad coverage for your mobile home.
- Guest unit: $10.00/month
- Well pump unit: $8.00/month
- Septic system ejector pump and pumping: $5.00/month
- Pool and built-in spa equipment: $24.00/month
- Electronics protection plan: $18.00/month
- Roof leak repair: $10.00/month
Exclusions
- Smart Home Systems and electronics that don’t contribute to the primary function of covered items
- Items that were not functioning prior to signing the home warranty contract
- Cosmetic damage that doesn’t inhibit the primary function of the item
- Waste disposal or handling hazardous material
- Plumbing stoppages caused by damage outside the home’s foundation
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
While American Home Shield’s ShieldPlatinum is the costliest plan included on this list, the pricing of AHS’s other two plans (ShieldGold and ShieldSilver) is in line with competitors. ShieldPlatinum is best suited for customers looking for complete coverage. It’s pricey, but sometimes peace of mind is worth the cost. The other two plans are slightly better value but lack the complete coverage offered by the ShieldPlatinum plan. The choice is up to the customer. Not everyone needs or wants a high level of coverage, but some customers do. So, the good part is American Home Shield has something for everyone.
Customers widely praise the professionalism of company representatives and prompt communication about claims. They also state that technicians are generally prompt (arriving within two days) and efficient.
Common complaints center around slow repair times and subpar outcomes. Another commonly reported experience is having to get an item repaired multiple times before AHS finally agrees to replace it. It’s hard to know who’s right in these situations without seeing all the details. However, multiple repairs were a notable standout in the critical comments. But it’s also worth noting that home warranty companies generally attempt repairs a couple of times before agreeing to a replacement. AHS isn’t unique here.
American Home Shield is scored well by the Better Business Bureau, and has 24,296 resolved complaints. It shows that, despite any mistakes or failures, the company does seem to be responsive to failures and tries to make it right with the customer. AHS may not be perfect, but they’re willing to confront their mistakes. That says a lot about their company character and reputation.
Rating Site | Rating | Number of Reviews |
BBB | B / 2.1 out of 5 stars | 11,804 |
Trustpilot | 2.2 | 5,312 |
Yelp | 1.1 | 1,284 |
Editor’s Note: The ratings provided were accurate at the time of writing.
The claims process is simple and straightforward. You can file a claim over the phone or through AHS’s online claims system, at which point you’ll owe a service fee, and AHS will make an appointment within 48 hours for a service technician to evaluate your claim. This can be done in person or, in some cases, through a video call, which is convenient for mobile homeowners in rural areas. Video calls cut down on travel time for technicians and allow speedier evaluations of claims. If your claim is approved, the process of repair or replacement will begin. Generally, barring major failure, technicians will repair the item in question. It’s often the case that AHS technicians will attempt repairs a couple of times before signing off on a full replacement.
Home warranty companies often allow customers the right to ask for a second opinion, which means they’ll dispatch a second technician to assess the problem. Also, you can hire a third-party repair service to give you their independent opinion, too. So, keep that in mind if you find yourself in a claim dispute.
American Home Shield is available in all states except Alaska and Hawaii. They also don’t offer services in New York City. So, most of you shouldn’t have any trouble getting coverage where you are. Coupled with a robust system of service technicians, AHG is able to respond to your claims quickly and efficiently.
Choice Home Warranty
4.3
Our Rating
Specific to many mobile home owners, Choice Home Warranty (CHW) covers septic pumping to address clogs once per contract term. Most other companies on this list don’t offer septic pumping for any reason, so it’s nice to see them offer this. In addition, unlike most other companies, CHW covers various types of exhaust fans.
CHW has robust appliance coverage with minimal exceptions or exclusions. While their coverage limits aren’t the best on this list, I’d still put them in the top three for appliance coverage, especially for people with standard-brand appliances. Mobile homeowners with high-end appliances would do better with a company such as American Home Shield, which has higher base coverage limits and optional add-ons to extend coverage limits, but CHW is perfect for the average mobile home owner.
The information on CHW’s website is a bit thin. Competitors put a lot of effort into their websites, so it leaves CHW at a disadvantage, especially considering how many people prefer to shop online as opposed to ordering over the phone. So, because of their information-poor website, you might have to call a sales representative with some of your questions. It also might be worth ordering over the phone in case you have questions.
One mobile home-specific issue I caught was they don’t cover any outside or underground piping. That’s problematic for many mobile homeowners, as utilities often run under the home, at least, to some extent. It’s also potentially a problem for people in mobile home parks on a slab where utilities are run to the lot through a conduit. Depending on the contract, the park may or may not be responsible for utilities all the way to the hookup. In any case, not covering external piping creates gray areas and potential surprises if a customer goes to make a claim only to find it’s not covered.
Choice Home Warranty is generally a good company, but they lack any strong selling points over their competitors. Looking through their agreement and the fine print, I find that they don’t do anything better than their competitors, but they don’t do anything worse, either. Generally speaking, they just struggle standing out from the crowd.
This lack of differentiation is also evident in their plans, of which there are only two: the Total Plan and the Basic Plan. Both are reasonably priced — they provide acceptable coverage — the service fee is middle-of-the-road — and the first month is free. Still, those are common amongst their competitors and do nothing to really grab the attention of a potential customer.
At the end of the day, I would suggest reading their Choice Home Warranty sample contract. In my opinion, they’ve kind of fallen down on the marketing end, so it’s difficult to get a good picture of the company through their website or advertising material. This company would be my suggestion for the no-nonsense type of mobile home owner who doesn’t want flashy advertisements, who’s okay to pore over and scrutinize the contract, and who’s willing to critically assess their needs versus what the company offers.
Choice Home Warranty offers two plans. I found both to provide good coverage with minimal exclusions or exceptions. They’re both similarly priced and competitive in their pricing. The notable difference is that the Total Plan covers AC, refrigerator, washer, and dryer, whereas the Basic Plan doesn’t. Because of how similar they are and because they’re both middle of the road, I wouldn’t suggest Choice Home Warranty to someone looking for maximum coverage. These two plans are good, but you’ll find more comprehensive coverage from other companies.
Plan | Monthly Cost | Service Fee | Available Discounts |
Total Plan | $57.50 | $100 | On website, $50 off and 1 month free |
Basic Plan | $49.17 | $100 | On website, $50 off and 1 month free |
Editor’s Note: The cost data mentioned in this article was sourced for a mobile home under 5,000 square feet in St. Louis. The cost data presented was accurate at the time of writing.
Available Add-Ons
Choice Home Warranty doesn’t have many add-ons, but they have enough for mobile homeowners. They cover the major septic system pumps and even tank pumping (which is not common amongst their competitors). So, mobile homeowners will find a good level of coverage with them.
- Pool/spa: $15.00/month
- Limited roof leak: $5.83/month
- Additional spa: $15.00/month
- Stand-alone freezer: $3.33/month
- Central vacuum: $3.33/month
- Sprinkler system: $8.33/month
- Second refrigerator: $3.33/month
- Well pump: $8.33/month
- Sump pump: $3.33/month
- Septic tank pumping: $5.42/month
Exclusions
- AC: window units
- Solar power systems
- Generators
- Vent and sewer outside main foundation
- Septic tanks
- Outside and underground piping
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Choice Home Warranty plans are well-priced and competitive. With the limited number of add-ons, you shouldn’t find any combination of plan and add-ons that breaks the bank. You can find more bang for your buck with other companies, but if there are specific things you like about Choice Home Warranty, I don’t think the differences are important enough to warrant a switch away from Choice.
Choice Home Warranty is well received by customers. They even earned our “Best Claim Acceptance Rate” superlative for their high rate of claim approval. And that shouldn’t be overlooked, either. A common complaint with home warranty companies (even some on this list) is that they drag their feet or even outright deny claims. It undermines the entire purpose of home warranties, so claim approval isn’t a minor issue.
CHW is rated well by the Better Business Bureau, and it’s reviewed well by customers. While there are some complaints, I didn’t see any red flags while reading through reviews. Customers report prompt, polite technicians, a good online claims system, and knowledgeable customer representatives. They generally have a positive attitude about the company and the service they receive.
Rating Site | Rating | Number of Reviews |
BBB | B / 1.04 out of 5 stars | 4,466 |
Trustpilot | 3.7 out of 5 stars | 39,077 |
Yelp | 1.1 | 154 |
Editor’s Note: The ratings provided were accurate at the time of writing.
CHW has 24/7/365 claims service, so you can file a claim day or night on their online system or over the phone. Customer reviews were very positive about their online claims system — I saw it mentioned in many reviews. Considering how everything is done online these days, it’s a selling point to have a good online system for your customers. However, the choice of whether to call or file online is completely up to you. After you file a claim, CHW will dispatch a service technician within 48 hours to contact you and set up an appointment (though you can expect to hear from the service technician well before the 48-hour mark in most cases.) Upon arrival, the technician will evaluate your claim and begin repairs or replacement.
Choice Home Warranty offers services in all states except Washington. In California, customers can’t purchase plans directly from CHW. However, they can purchase them through The Home Service Club, which CHW is partnered with in California.
Elite Home Warranty
4.3
Our Rating
Elite Home Warranty (EHW) provides a 90-day quality guarantee on their claim repairs, which sets them well ahead of their competitors that offer a maximum guarantee of 60 days. Also, with EHW maintenance records aren’t required, and you can select your own repair service. This makes them one of the best companies on the repair end, providing good options and guarantees to their customers.
Another strong point is that ductwork is covered under their AC and heating coverage. This is an area that companies can get picky about, with lots of exclusions and caveats. EHW’s fairly blanket policy of covering ductwork simplifies things a lot and saves the customer from any frustration stemming from specific aspects of ductwork not being covered.
Elites Home Warranty’s website is somewhat bewildering at first sight. This might be a personal inclination, but I didn’t find it intuitive to navigate, and their quote tool wasn’t straightforward to use. While I did manage to navigate it fine after getting my bearings, it was a bit of a shock at first. I feel like both the site and quote tool could use a cleaner, more professional look.
EHW doesn’t cover a few things that are common in mobile homes. Most septic system components outside of pumps are excluded from coverage. Smart thermostats and range exhaust hoods are also excluded. Lastly, propane heating systems are excluded. These kinds of shortcomings for systems common to mobile homes aren’t rare on this list or in the wider home warranty industry, but it’s something you have to consider when shopping around for a warranty. Of all the companies I’ve researched, EHW isn’t the most egregious in this regard, but you should thoroughly go over your agreement to ensure you’re not surprised by those or any other exclusions that might catch you off guard.
EHW is generally a good company and one that’s certainly worth considering. They have great pricing and a slew of add-ons to customize a plan to suit your needs. While they do have some exclusions, they have mostly robust coverage that shouldn’t leave you wanting. Perhaps most importantly, customers seem to be happy with their choice.
The only problem with EHW is, from the standpoint of a mobile homeowner, they’re a little weak on things common to mobile homes. Specifically, they don’t cover propane heating systems, and their coverage of septic systems is lacking compared to their competitors. These aren’t necessarily deal-breakers, but it’s something to be aware of when you’re making your choice. It’s hard to say that another company on the list is better for mobile homeowners because it really comes down to what your specific needs and wants are, as well as what you’re willing to bend on. However, if you can bend on propane heating and septic, then there’s a lot to like about EHW.
EHW has well-priced plans skewing toward the lower side of average for the list. Their plans have great coverage with few exceptions and exclusions, so they really knock it out of the park in this category. Their plans are also conveniently oriented to what you want to be covered rather than specific price points. Rather than offer the standard lower-tier, middle-tier, and higher-tier plan, they offer plans that cover systems, appliances, or both.
The Elite Appliance plan is the cheapest plan that covers all essential and major home appliances: refrigerator, stove, dishwasher, clothes washer, clothes dryer, microwave, garbage disposal, and ceiling fans. The Elite Systems plan covers important home systems, such as heating, plumbing, AC, and electrical. Lastly, the Elite Complete plan combines the previous two plans, covering everything that each of them do individually but under one plan. It’s the most comprehensive of the three.
One thing to note is that the service fee for items covered under their premium appliance add-on is $150 instead of the standard $70 that applies to non-premium appliances.
Plan | Monthly Cost | Service Fee | Available Discounts |
Elite Complete | $59.99 | $70 | $150 off annual cost |
Elite Systems | $49.99 | $70 | $150 off annual cost |
Elite Appliances | $44.99 | $70 | $150 off annual cost |
Editor’s Note: The cost data mentioned in this article was sourced for a mobile home under 5,000 square feet in St. Louis, MO. The cost data presented was accurate at the time of writing.
Available Add-Ons
EHW has a superb variety of add-ons that should cover any of your needs. Despite having relatively poor septic coverage, they do have good coverage for the variety of pumps you’ll find in septic systems. They also have upgraded coverage add-ons (Premium Appliance, System, and Systems Plus) if you need a higher coverage limit on your items.
- Well pump: $24.99/month
- Septic system: $10.83/month
- Sump pump: $8.33/month
- Grinder pump: $8.33/month
- Ejector pump: $8.33/month
- Lift pump: $8.33/month
- Effluent pump: $8.33/month
- Pool and spa equipment: $16.66/month
- Pool equipment: $12.49/month
- Outdoor freestanding spa equipment: $9.99/month
- Central vacuum: $4.08/month
- Water filtration system: $8.33/month
- Freestanding freezer: $4.99/month
- Freestanding ice maker: $4.99/month
- Indoor jetted hot tub: $8.33/month
- Generator: $8.33/month
- Swamp cooler: $12.49/month
- Wine cooler: $5.83/month
- Water softener: $8.33/month
- Attic exhaust fan: $5.83/month
- Service line: $29.16/month
- Limited roof patching: $8.33/month
- Premium appliances: $20.83/month
- Premium systems: $24.99/month
- Premium systems plus: $41.66/month
- Geothermal heating and cooling systems: $24.99/month
- Guest house: $24.99/month
- HVAC annual maintenance: $24.99/month
Exclusions
- Wine chillers
- Stove range exhaust hoods
- Smart thermostats
- Propane heating systems
- Toilet seats and lids
- Garage door keypads, wall buttons, remote controls
- Septic system leach beds, ejector pumps, leach lines, and waste disposal
- Most filters
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
As far as cost, EHW is a really competitive company. Their base plans skew below average while still maintaining robust coverage and good limits. For their add-ons, they’re not the lowest, but they’re not the highest either. Generally, you should be able to get a base plan with a few add-ons for a good price. While their service fee isn’t the lowest one offered on the list, it’s slightly lower than the average. As a bonus, they don’t charge a fee for cancellation.
Reviewers report that company representatives are informative and knowledgeable. They have generally positive things to say about the technicians and general claims and repair process. Except for a few critical reviews, I found nothing suspicious or concerning in reported customer experiences.
EHW has an outstanding reputation with the Better Business Bureau. Reviews are strong and speak highly of the company and the service they offer. They specifically mention the quality of representatives and technicians.
Rating Site | Rating | Number of Reviews |
BBB | A+ / 4.97 out of 5 stars | 400 |
Trustpilot | 4.8 | 81 |
4.7 | 155 | |
Yelp | 4.8 | 4 |
Editor’s Note: The ratings provided were accurate at the time of writing.
EHW has a 24/7 claims process where you can file a claim online or through their over-the-phone claims concierge. After you pay the service fee, they’ll assign a technician who will normally contact you within 48 hours. They lose points for not having an emergency service and charging $150 for claims made on nights and weekends. This is probably the worst criticism of them. While they’re competitive and outclass the other companies on the list in many categories, they’re behind the others by charging for claims made during non-standard business hours and not having an emergency service. On a positive note, they have a system for you to provide feedback on service technicians, which helps keep technicians motivated to do quality work and deliver good customer service.
EHW operates in all states except Texas, California, and Wisconsin. Their nationwide network of certified service providers will keep your mobile home serviced and in good condition with a minimum of headaches. Their claims service is 24/7, so they’ll be available to you anytime you need them, day or night.
First American Home Warranty
4.3
Our Rating
First American Home Warranty (FAHW) has an edge over its competitors with two great services to make your life easier. The first is a filter delivery service, which will deliver a variety of different filters of your choosing (such as furnace filters) on a regular schedule. Since filters are generally not covered under home warranties, it’s a great service to offset that lack of coverage. It also helps to keep systems well maintained and avoid breakdowns.
The second service they offer is called Porch Home Assistant, which will assist you with home projects. Technicians can come and help you do things such as hang a door, install a fan, or mount a TV. They’ll even do small handyman projects such as repairing a hole in drywall, installing locks, or cleaning gutters. It’s a great service, especially for older adults or people with mobility issues. FAHW is also the only company I’ve found to offer anything like this, so it really helps them stand out from their competitors.
A lot of services mobile homeowners need are add-ons rather than being part of FAHW’s basic plans. This kind of feels like a tax on mobile homeowners. Some add-ons are also limited, such as their septic system add-on which only really covers the pump itself and not much else. While mobile homes are generally underserved in the home warranty world, it’s nonetheless frustrating to see. They’re a good company otherwise, but omitting common services for mobile homes leaves potential customers in a difficult place. I would certainly still consider them because of all the other great services they have, but you’ll have to weigh the pros of those services against the cons of falling short on some services mobile homeowners need.
I found the First American Advantage add-on to be mostly worthless. It covers a couple different things, such as a crane if you need an AC unit removed from your roof for repair or replacement. Rooftop AC units aren’t often used anywhere but commercial buildings and mansions, so it has little value for mobile home owners. The add-on also covers the cost of bringing things up to code during a repair or replacement if they’re found to be in violation of building codes. However, building codes generally don’t apply to mobile homes. Mobile homes aren’t built — they’re manufactured. Codes and compliances are almost exclusively the burden of mobile home manufacturers, not owners. The same goes for permits, which are also covered under the add-on. FAHW technicians don’t undertake any kind of work that would require a permit. Permits are only required for major construction and repair. Replacing a washer or repairing a furnace doesn’t require any sort of permission or notification to the local government.
I generally like FAHW. Their website is difficult to navigate, but they have a decent spread of plans, numerous add-ons, and reasonable exclusions. Their prices are slightly higher compared to those of their peers on the list, but they generally have strong reviews from customers. Also, they’ve been in business for 35 years, which is a testament to a successful business model and satisfied customers who choose their service year after year.
Their biggest stumbling point is lack of coverage for things that are common to mobile homes, such as septic tanks. While this lack isn’t exactly uncommon (mobile homes seem to be an afterthought for a lot of home warranty companies), Elite’s is still a bit worse than that of their competitors. It’s not enough for me to write them off by any means. It’s still a solid company, but it’s worth being aware of and considering when making your choice.
I found their plans to be very thorough and pretty limited on exclusions. The only thing I can say against them is that they’re priced a little higher than the average for this list. They’re a good value that include coverage of major systems and appliances, such as AC, plumbing, electrical, stove, and refrigerators. However, some customers might find plans elsewhere that they’re happy with and that are a little cheaper. Monthly cost of each plan depends on what service fee you choose with a higher service fee resulting in a lower monthly cost.
Plan | Monthly Cost | Service Fee | Available Discounts |
Premium Plan | $71.00, $75.00, or $84.00 | $75, $100, or $125 | None |
Essential Plan | $57.00, $62.00, or $71.00 | $75, $100, or $125 | None |
Starter Plan | $49.00, $53.00 or $70.00 | $75, $100, or $125 | None |
Editor’s Note: The cost data mentioned in this article was sourced for a mobile home under 5,000 square feet in St. Louis, MO. The cost data presented was accurate at the time of writing.
Available Add-Ons
FAHW has a very balanced spread of add-ons. There’s enough to make a plan that’s customized to your needs, but not so many that it’s overwhelming. I’d rate them in the upper half of this list for the quality and diversity of add-ons.
- First American Advantage: $0.00/month
- Pool/spa equipment: $20.83/month
- Additional refrigerant: $4.17/month
- Water softener: $7.08/month
- Septic tank pumping/system: $7.08/month
- Limited roof leak: $8.33/month*
- HVAC tune-up: $2.08/month*
- Central air conditioning (electric): $8.33/month
- Well pump: $7.08/month
*Limited roof leak protection and HVAC tune-up are free with FAHW’s Premium Plan
Exclusions
- Plumbing: fixtures, faucets, showerheads, shower pans
- Septic tank
- Electronics
- AC: window units
- Filters
- Heating: space heaters
- Hazardous waste and bio-organic material handling
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
FAHW is a little higher than average on the cost of their base plans, but they do well with service fees and add-on costs. Compared to other companies on this list, they have some of the best pricing based on our review standards. They also have flexible service fees. So, all told, they’re among the best on the list for value for your money.
Reviewers are generally positive about the company, but there are plenty of complaints. Positive reviews report good response time to claims and quick repairs by technicians and that both the representatives and techs are friendly, knowledgeable, and professional. However, some reviewers are critical of both customer service and repair technicians. A common lament among negative reviews is a drop in quality of FAHW’s service in the last two years. Those reviewers state that, while technicians have always been hit or miss, customer service from claims representatives has taken a downward turn.
FAHW is rated well by the Better Business Bureau with few complaints generally and a high number of resolved complaints. FAHW has been in business for 40 years and accredited with the BBB since 2000. Their longevity is a testament to a good business model and customer reputation. Poorly run companies don’t tend to last long, while FAHW has been at it for decades.
Rating Site | Rating | Number of Reviews |
BBB | B / 1.77 out of 5 stars | 1,859 |
Trustpilot | 4.2 out of 5 stars | 14,000 |
2.8 out of 5 stars | 2,673 | |
Yelp | 1.1 out of 5 stars | 1,908 |
Editor’s Note: The ratings provided were accurate at the time of writing.
FAHW follows a standard claims process very similar to other companies on my list. You start by filing a claim 24/7 online or over the phone. At that point, you’ll be charged a service fee. Once FAHW receives payment, a technician will be dispatched and will generally arrive within 48 hours. The technician will assess the issue, determine if it’s covered, and then undertake the repair or replacement.
Reviews are mixed on FAHW’s claims process. Some reviewers praise the customer service and technicians, saying that they’re prompt, communicative, and reliable. Others report poor experience with either the service reps being unresponsive or unhelpful.
FAHW lost a few points here for only being available in 35 states. That puts them behind their competitors, who all offer nationwide or nearly nationwide service. FAHW offers services in Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Ohio, Indiana, Kansas, Kentucky, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wyoming.
Calculate the Cost of Home Warranty
Insert your information below to get an estimation of the cost of a home warranty.
Appliance | Average Repair Cost | Average Replacement Cost |
---|---|---|
Dehumidifier | $50–$200 | $1,300–$2,800 |
Microwave | $50–$400 | $60–$2,000 |
Dishwasher | $50–$500 | $400–$3,000 |
Exhaust Fans | $16–$300 | $250–$950 |
Electric Range | $100–$500 | $230–$3,000 |
Gas Range | $100–$500 | $230–$3,000 |
Dryer | $100–$400 | $450–$2,300 |
Oven | $100–$430 | $400–$3,000 |
Washer | $50–$450 | $400–$2,300 |
Freezer | $90–$500 | $160–$2,900 |
Refrigerator | $40–$350 | $200–$5,000 |
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Frequently Asked Questions
Do You Need a Home Warranty for Mobile Homes?
No, a home warranty isn’t necessary. It’s a convenience to help manage the potential large, out-of-pocket expenses of owning a home.
How Much Does a Home Warranty Cost for Mobile Homes?
Warranties range from $50 to $100 per month (not including add-ons), depending on the plan you choose. Check out our article on home warranty cost to learn more about what variables determine cost.
How To Save Money When Shopping for Home Warranties for Mobile Homes?
Compare rates and terms offered by the company to see if you get a better price for paying, for instance, yearly instead of monthly. Also, search for discounts and promos on the company website, couponing websites (such as Groupon), and through membership organizations such as the American Association of Retired Persons (AARP.)
Is a Home Warranty Worth It for Mobile Homes?
Home warranties are worth it if homeowners want to reduce the potential of being hit with large out-of-pocket repair expenses. To learn more about the pros and cons of home warranties, take a look at our article on whether a home warranty is worth it for you.
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