Assurant Mobile Home Insurance Review & Ratings (2024)

Assurant is rated A+ from the BBB and has one of the better customer review ratings (3.67 out of 5 stars) compared to other companies on the BBB website.

Assurant has a long-term issuer credit rating of BBB+ from A.M. Best, which means that it has a good ability to repay its long-term debt. It also has a short-term issuer credit rating of AMB-1, which means that it has an outstanding ability to repay short-term debt.

Unfortunately, Assurant has an NAIC complaint index of 2.16. Compared to the national average of 1.00, this indicates that Assurant receives more complaints than companies of a similar size. In addition, Assurant insurance reviews online complain of poor customer service.

What You Should Know About Assurant

Welcome to our comprehensive guide on Assurant Mobile Home Insurance. As a mobile home owner, ensuring the protection of your valuable asset is of utmost importance. We provide you with in-depth insights into Assurant Mobile Home Insurance, covering a range of crucial topics.

We explore the diverse coverage options available, including property coverage, liability protection, and additional endorsements. Our guide also delves into the benefits of choosing Assurant, such as their exceptional customer service and hassle-free claims process.

Furthermore, we offer valuable tips on how to select the right insurance coverage for your specific needs and budget. To simplify your insurance shopping experience, we encourage you to enter your zip code below.

By doing so, you can easily compare rates from the best insurance providers in your area, allowing you to make an informed decision and secure the ideal protection for your beloved mobile home. Protect your investment with Assurant Mobile Home Insurance and gain peace of mind today.

Assurant Insurance Coverage Options

Assurant mobile home insurance, or Assurant manufactured home insurance, includes comprehensive protection, liability coverage, stated value loss settlement, and personal property coverage. However, it is not clear whether these options are automatically included in all policies or if you must pay extra for some or all of them.

Mobile home insurance is typically similar to homeowners insurance. According to the Insurance Information Institute, the two main parts of mobile home insurance cover physical damage to the property and personal liability claims.

Coverage for physical damage would likely cover your home, other structures on your property, such as a garage, patio, or shed, and personal property. Damage may be covered for events such as hail, theft or vandalism, fire, and more. However, some policies will only cover your property for specific named perils, so be sure to check your policy to see when you are covered.

Personal liability is meant to provide coverage for damages that you make to another person’s property or if someone is injured on your property. However, it doesn’t typically cover damages to your own property or injuries to anyone living in the house.

Mobile home insurance is unlikely to cover your mobile home while it is in transit or if it is damaged due to flooding. In some cases, your policy may not even cover damage caused by water leaks in your pipes.

Assurant Insurance Rates Breakdown

Unfortunately, we weren’t able to find Assurant mobile home rates online. However, Assurant does discuss what factors contribute to its pricing.

Mobile homes are typically cheaper and quicker to build than traditional homes. However, mobile home insurance is more expensive than regular homeowners insurance because mobile homes usually sustain more damage more easily.

Since mobile homes are not as securely anchored like traditional homes, and they are lighter than traditional homes, they are more susceptible to damage caused by floods and high winds. In addition, fires can spread throughout a mobile home faster than other homes. Repairs, such as those needed for broken pipes, may also cost more for mobile homes.

Therefore, the increased vulnerability of mobile homes make them more expensive to insure. Let’s look at the average rates for mobile home insurance to see what you might pay for Assurant mobile home insurance:

Average Mobile Home Insurance Rates by Coverage Level

We will also show you the average rates for homeowners insurance to show you how the rates compare for different levels of coverage.

Average Homeowners Insurance Rates by Coverage Level

As you can see from the tables above, homeowners insurance can give you higher levels of coverage for relatively better rates.

Assurant Discounts Available

Assurant Mobile Home Insurance understands the importance of affordability when it comes to protecting your valuable asset. To make coverage more accessible, the company offers a range of discounts. These discounts can help policyholders save on their premiums while ensuring comprehensive protection for their mobile homes.

• Security Features Discount: Earn savings by installing security features such as smoke detectors, fire alarms, and deadbolt locks in your mobile home. These measures enhance the safety of your property.
• Multi-Policy Discount: Bundle your mobile home insurance with other insurance policies from Assurant to enjoy a multi-policy discount. This can lead to significant savings on your overall insurance costs.
• Claims-Free Discount: Maintain a claims-free record with Assurant, and you may qualify for a claims-free discount. This rewards policyholders who have a history of responsible and careful homeownership.
• Protective Device Discount: If your mobile home is equipped with advanced protective devices, such as a monitored security system, you may be eligible for additional discounts. These devices contribute to minimizing risks.
• Renewal Discount: Loyalty is recognized at Assurant. Enjoy discounts when you renew your mobile home insurance policy with Assurant. This encourages long-term relationships with the company.

Assurant Mobile Home Insurance strives to make insurance coverage affordable without compromising on quality. By taking advantage of these discounts, policyholders can not only protect their mobile homes comprehensively but also enjoy valuable savings.

Assurant mobile home insurance may be a contender among the many insurance companies available. However, it also seems as if Assurant is more focused on offering other types of insurance and financial products. Therefore, it may be better to choose a company that specializes in homeowners and mobile home insurance.

Other insurance companies may also be more open about what is included in their mobile home insurance policies, so it can be easier to choose a company that makes it easy to customize your coverage. It is also difficult to compare Assurant’s insurance rates to rates from other companies, so it’s important to receive quotes from multiple companies before choosing one.

If you are unable to find affordable Assurant mobile home insurance, enter your ZIP code into our free quote comparison tool below to find mobile home insurance companies near you.

A Detailed Look at Assurant Mobile Home Insurance’s Claims Process

Ease of Filing a Claim

Assurant Mobile Home Insurance offers a user-friendly claims process, allowing policyholders to file claims through various convenient methods. You can file a claim online through their website, over the phone and call (800) 358-0600, or even via their mobile app.

You will need your policy number, address, and police report number if you filed a police report. This flexibility ensures that you can choose the method that suits you best, making the claims process as hassle-free as possible.

Average Claim Processing Time

Assurant Mobile Home Insurance understands the importance of a swift claims resolution. While the exact processing time may vary depending on the nature and complexity of the claim, Assurant strives to process claims efficiently. They are committed to providing timely responses to help you get back on track quickly after an unexpected event.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in evaluating an insurance company’s performance. Assurant Mobile Home Insurance has garnered positive customer feedback regarding their claim resolutions and payouts. Their dedication to customer satisfaction is reflected in the favorable reviews and ratings, showcasing their commitment to delivering on their promises.

Delving Into Assurant Mobile Home Insurance’s Digital and Technological Features

Mobile App Features and Functionality

Assurant Mobile Home Insurance offers a feature-rich mobile app designed to enhance your insurance experience. With the mobile app, you can easily access your policy details, make payments, and even file claims on-the-go. It provides a convenient way to manage your insurance needs right from your mobile device.

Online Account Management Capabilities

Managing your Assurant Mobile Home Insurance policy online is a breeze. Their online account management platform allows you to view and update your policy information, track claims, and access important documents. This digital convenience simplifies the management of your policy, putting you in control of your coverage.

Digital Tools and Resources

Assurant provides a range of digital tools and resources to empower policyholders. From educational resources to help you understand your coverage options to interactive tools for estimating premiums, they offer a comprehensive suite of digital resources to assist you in making informed insurance decisions.

How Assurant Ranks Among Providers

If you do not already have an Assurant mobile home insurance policy, you can learn about these policies by calling the Assurant mobile home insurance phone number at (800) 203-1419.

If you do have a policy, the company that underwrites your policy may vary based on your location. Therefore, you may need to contact your underwriters directly for some questions.

If your policy is underwritten by American Bankers Insurance Company of Florida, the phone number is (800) 358-0600. If your policy is underwritten by American Security Insurance Company, the phone number is (800) 326-2845. Finally, if your policy is underwritten by Standard Guaranty Insurance Company, the phone number is (800) 652-1262.

Assurant is headquartered at 55 Broadway, Suite 2901, New York, NY 10006. The main website is www.assurant.com, where you may be able to use your Assurant mobile home insurance login to manage your account.