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. 

Best for Customization
liberty home guard logo
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Limited Time: $200 off + 2 Months Free + Roof Leak Protection.
Best Overall Value
select home warranty
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Limited Time: Use code HOUSE25 for $150 off + 2 months free.
Best Coverage Limit
american home shield logo
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Limited Time: $150 off All Home Warranty Plans for new members.
Best Claims Acceptance
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Limited Time: $50 off + 1 month free when you sign up today.

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: Best Coverage Limits For Mobile Homes
  • 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
Best Coverage Limits

American Home Shield


Our Rating

Limited Time: $150 OFF All Home Warranty Plans for new members.

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).

Industry founder with nearly 50 years of experience
Provides 24/7 customer service and responds to claims within 24 hours 98% of the time
Covers items damaged due to rust and corrosion
Covers undetectable pre-existing conditions 
Accepts and pays more claims than any other home warranty company in the nation
5 optional add-ons
30-day service guarantee
Each plan costs at least $49.99 per month

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 planSystems plan
RefrigeratorAir conditioning and ductwork
DishwasherHeating system and ductwork
Built-in microwavePlumbing and plumbing stoppage
Trash compactorElectrical
Freestanding ice makerWater heater
Range/oven/cooktopInstant hot/cold water dispenser
Built-in food centerCentral vacuum
Clothes dryerGarbage disposal
Clothes washerSmoke detector
Garage door openerCeiling fan

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 planCost
Appliances planAbout $49.99 per month
Systems planAbout $49.99 per month
Combo planAbout $59.99 per month
Service Fee (all plans)$75-$125
Best Value

Select Home Warranty


Our Rating

Limited Time: Use code HOUSE25 for $150 off & 2 months free.

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.

Very affordable plans
Offers 8 optional add-ons
Guaranteed claim response time of 24-48 hours
24/7 customer service
One of the best promotions in the industry
Under 20 years of experience in the industry
Not BBB accredited
Charges repeat service fees

Select Home Warranty offers three plan options to choose from: Bronze Care, Gold Care, and Platinum Care.

Bronze CareCovers your washer, dryer, dishwasher, cooktop, microwave oven, stove/oven, refrigerator, and garbage disposal
Gold CareCovers your A/C, heating system, plumbing system, electrical system, water heater, and ductwork 
Platinum CareCovers 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:

Bronze CareAbout $35.83 per month
Gold CareAbout $35.83 per month
Platinum CareAbout $37.50 a month
Service Fee (All Plans)$75
Most Comprehensive Claims Coverage

First American Home Warranty


Our Rating

Limited Time: Checkout Online and Get a $100 Instant Discount

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.

Get a free quote from First American Home Warranty.

Excellent HVAC coverage with no caps on refrigerant
Coverage of unknown pre-existing conditions
30-day service guarantee
BBB accredited
Coverage of improperly installed or maintained items
Basic plan does not cover plumbing or electrical items
Premier plan doesn’t cover central air conditioning

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:

Basic PlanCovers your washer and dryer, cooktop, dishwasher, and more
Premier PlanCovers 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.

Basic PlanAbout $28 per month
Premier PlanAbout $42.50 per month
Optional Add-OnsVaries 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.

Today’s Homeowner Tips
While a home warranty may sound similar to homeowner’s insurance, they are two different things. Homeowner’s insurance provides financial protection in the event of a catastrophe, such as a break-in, vandalism, or fire. Home warranties do not cover these occurrences, instead providing funds for repairing appliances and systems that break down due to standard wear and tear.

Other Home Warranty Resources

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. 

Best for Customization
liberty home guard logo
Visit Site
Limited Time: $200 off + 2 Months Free + Roof Leak Protection.
Best Overall Value
select home warranty
Visit Site
Limited Time: Use code HOUSE25 for $150 off + 2 months free.
Best Coverage Limit
american home shield logo
Visit Site
Limited Time: $150 off All Home Warranty Plans for new members.
Best Claims Acceptance
choice home warranty logo
Visit Site
Limited Time: $50 off + 1 month free when you sign up today.

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.

Editorial Contributors
Alora Bopray

Alora Bopray

Staff Writer

Alora Bopray is a digital content producer for the home warranty, HVAC, and plumbing categories at Today's Homeowner. She earned her bachelor's degree in psychology from the University of St. Scholastica and her master's degree from the University of Denver. Before becoming a writer for Today's Homeowner, Alora wrote as a freelance writer for dozens of home improvement clients and informed homeowners about the solar industry as a writer for EcoWatch. When she's not writing, Alora can be found planning her next DIY home improvement project or plotting her next novel.

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Roxanne Downer


Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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