4 Best Mobile Home Warranty Companies (2020)

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Which home warranty companies are the best for mobile homes? Find the best provider for your home’s needs using our guide to the best mobile home warranties. | Photo Credit: Shutterstock © K303

Owners of mobile homes often purchase home warranties to protect their houses from expensive repairs that can cost thousands of dollars. With a mobile home warranty, you pay a relatively small monthly premium and a service fee whenever you need service instead of paying large repair bills out of pocket.

Though a mobile home warranty is not needed every month, it provides peace of mind that when an expensive system or appliance breaks down or needs repairs, thousands of dollars could be saved.

In This Article:

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.

The reviews team has analyzed and ranked every major home warranty company in the industry on their coverage, cost, quotes and claims processes, customer service, and more. We received real price quotes and talked to representatives from each company in order to get the data we needed on each company. 

In this article, the research team dives into the four home warranty companies we recommend for mobile home owners. Each provider has its pros and cons, so consider which provider might meet your needs the best. We recommend that you get a quote from each of these companies so that you can compare their offers against each other.

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.


american home shield

Best Overall for Mobile Homes: American Home Shield

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 both Choice Home Warranty and First American (keep reading for the details on these three).

You can get a free quote from American Home Shield by filling out this simple form or by calling 844-529-9298.

Below you’ll find pros and cons for this provider:

Pros & Cons

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

Plans & Coverage

AHS offers four plans for mobile homes: Appliances, Systems, Combo and Build Your Own. 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.

Finally, American Home Shield offers a Build-Your-Own plan. This allows you to select the 10 items you care about most.

You also have the choice to add-on 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.

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

Cost

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
Build Your Own plan 10 items for $54.99 and $2 for every item over that amount
Service Fee (all plans) $75-$125

Get A Free Quote

You can get a free quote from American Home Shield by filling out this simple form or by calling 844-529-9298.


logo choice home warranty

Best for Aging Mobile Homes: Choice Home Warranty

Choice Home Warranty offers two coverage options, which will cover a wide range of expensive systems and appliances in a mobile home. Choice is particularly a great choice for homeowners with aging mobile homes because it does not deny coverage based on the age of your covered items.  

You can get a free quote from by calling 800-495-1292 or by filling out this simple form. Choice is currently offering $50 off and one month free to new customers.

Below we break down the pros and cons:

Pros & Cons

Pros Cons
Affordable plans Not BBB accredited
Offers nine optional-add ons Service fees are a bit high
90-day guarantee on parts and a 30-day guarantee on labor
Guaranteed response time of 48 hours
Does not deny coverage based on the age of your home or covered items

Plans & Coverage

CHW offers two plans: Basic plan and Total plan. The table below shows the items that CHW covers in each of its plans.

Covered appliances and systems Total plan Basic plan
Air conditioning system
Heating system
Electrical system
Plumbing system
Plumbing stoppage
Water heater
Whirlpool bathtub
Refrigerator
Oven/range/stove
Cooktop
Dishwasher
Built-in microwave
Garbage disposal
Clothes washer
Clothes dryer
Ductwork
Garage door opener
Ceiling and exhaust fans

Optional add-ons: Pool/spa, well pump, sump pump, central vacuum, limited roof leak, septic system, second refrigerator, stand alone freezer, septic tank plumbing

Cost

Choice Home Warranty offers reasonably priced plans, based on what the researchers found when collecting quotes.

Below are sample quotes the research team received from Choice:

Plan Cost
Basic Plan About $36.17 per month
Total Plan About $43.85 per month
Service Fee (All Plans) $85

Get a Free Quote

You can get a free quote from by calling 800-495-1292 or by filling out this simple form. Choice is currently offering $50 off and one month free to new customers.


select home warranty

Best for Value Shoppers: Select Home Warranty

Quick Take 

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.

Get a free quote by calling 888-370-3956 or by filling out this online form. Select is offering $150 off and two months free to new customers.

Below we break down the pros and cons you need to know:

Pros & Cons

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

Plans & Coverage

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

Below you’ll find a breakdown of what each plan covers:

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

Cost

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

Get a Free Quote

You can get a free quote by calling 888-370-3956 or by filling out Select Home Warranty’s online form. The company is currently offering $150 off and two months free to new customers.


first american home warranty

Most Comprehensive Claim Coverage: First American

Quick Take

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.

You can get a quote from First American by calling 833-777-0049 or by filling out First American’s online form.

Below you’ll find important pros and cons:

Pros & Cons

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

Plans & Coverage

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

Cost

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

Get a Free Quote

You can get a quote from First American by calling 833-777-0049 or by filling out First American’s online form.


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, Choice Home Warranty 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.


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