Assurant home insurance review: Great for mobile homes
Assurant offers manufactured and mobile home insurance coverage, as well as flood insurance through the NFIP in all states except Florida, Hawaii, and D.C.
By
Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
4.1
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
Assurant home insurance is ideal for homeowners of manufactured or mobile homes looking for an insurer with strong financial stability — it earns an A+ (Superior) rating from AM Best. proving it likely has the funds to pay out claims in the aftermath of a disaster.
You can not only get a quote online, but it offers the option to purchase your policy with a few clicks in just minutes. And it’s willing to insure previously owned mobile homes of any age — rare in the insurance industry.
However, Assurant’s website isn’t transparent about costs, discounts, or coverage add-ons available. And it received nearly 20% more customer complaints in 2021 than other similar-sized home insurance companies. You also won’t be able to purchase coverage if you live in Florida, Hawaii, or Washington, D.C.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
You can add these additional coverages to your Assurant mobile home insurance policy for even more protection:
All-risk protection: Also known as open perils coverage, this extends your policy’s coverage to include more causes of loss that generally aren’t covered in a standard policy.
Flood insurance: Offers flood insurance coverage through the NFIP, a government program run by the Federal Emergency Management Agency (FEMA).
Extended warranties: Pays to repair or replace AC units, water heaters, and other home systems that are damaged due to mechanical breakdown.
Renters insurance: Purchased by tenants, renters insurance covers the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Ratings methodology
Price
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Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. We didn't have cost or discount information available for Assurant as of March 2023, so we didn’t rate the insurer on price.
Customer experience
4.7/5
Assurant isn’t included in J.D. Power’s claims or customer satisfaction surveys, which means its perfect score on our customer experience rating scale is based solely on its National Association of Insurance Commissioners (NAIC) National Complaint Index Score. Earning a 1.18, Assurant received around 18% more customer complaints in 2021 compared to similar-sized home insurance companies.
Coverage options
3.2/5
Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. Assurant scores below average compared to other regional home insurance companies.
Financial strength
4.5/5
Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: AM Best, Standard & Poor’s (S&P), and Moody’s. Assurant has an A+ rating from AM Best, an A rating from S&P, and an A2 rating from Moody’s.
How much does Assurant home insurance cost?
The average cost of home insurance with Assurant will vary depending on a variety of factors, including:
Where you live
Your home’s age, condition, and claims history
Discounts you qualify for
Your coverages and policy limits
Your credit score
Compare home insurance quotes with top insurers in minutes
What discounts does Assurant offer?
Most insurers offer ways to help you save on the cost of home insurance. Contact an Assurant agent to find out if you qualify for eligible home insurance discounts.
Assurant home insurance state availability
Assurant home insurance is available in all states except Florida, Hawaii, and Washington, D.C.
What to expect with Assurant home insurance
How to get a quote: You can get an Assurant home insurance quote online or by calling 866-690-3092.
Customer service options: You can get in touch with an Assurant customer service rep by calling 877-716-2936, emailing mhmail@assurant.com, sending a fax to 305-969-4171, or mailing a letter to American Bankers Insurance Company of Florida — P.O. Box 979220, Miami, Florida 33197.
How to file a claim: You can file an Assurant home insurance claim by calling its 24/7 claims department at 800-358-0600.
How to cancel your policy: You can cancel your Assurant home insurance policy by mailing, faxing, or emailing a letter to the American Bankers Insurance Company of Florida at the numbers or addresses listed above. Be sure to include your name, address, policy number, policy type, and the date you’d like your policy canceled.
Assurant vs. other home insurance companies
Compare Assurant to other popular home insurance companies in the industry:
Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
