A mobile or manufactured home warranty is an annual service contract between a homeowner and a home warranty provider that covers critical home appliances and systems. It reduces the chances of being saddled with hefty charges if the appliances or house systems require repair or replacement. When a covered item fails due to age or regular wear and tear, you can just pay a service fee to the company/technician instead of paying the full price of the repair.
However, there are several things to consider while deciding to get a home warranty plan for your mobile home. In this article, we’ll go over how it works, how to choose the right one, coverage, cost, and the top companies in the market.
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Choice Home Warranty is known for their 90-day repair guarantee and affordable rates. They offer two comprehensive plans and have covered over 1 million homes and answered over 4 million service requests. The company does not require a home inspection for mobile homes.
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American Home Shield is known for being one of the oldest and most trusted home warranty companies in the market. They offer three home warranty plans that provide coverage for the major home systems and appliances in mobile homes. Their appliance caps are also among the highest in the home warranty industry.
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Select Home Warranty is known for their extensive contractor network and excellent customer service. The company offers three plans that provide coverage for major home systems and appliances. They are one of the most affordable home warranty companies in the industry.
The following warranty options are available for mobile or manufactured homes:
A home warranty is a service contract that covers the costs of repairs and replacements of home appliances and systems that break down due to normal wear and tear. It can bring peace of mind by alleviating some of your financial burdens. Many home warranty companies exclude mobile and manufactured homes, but the three we listed above do offer coverage.
OEM generally means original equipment manufacturer. This type of warranty is provided by the manufacturer of any product or device to cover any factory defects.
You can purchase an extended warranty for the home appliance, often from the same company, when the OEM warranty ends. The drawback of this warranty is that they only cover individual items whereas a home warranty covers multiple items within one plan.
A home warranty for manufactured homes covers the following major systems and appliances:
Depending on the company and plan you choose, you may be able to add additional items at an extra cost, such as:
A mobile home warranty also offers similar coverage. You should read the fine print of the service contract because there are a few unit types that may be excluded.
Mostly the cost for the mobile home warranties depends on the square footage and ranges from $300 to $600 annually. However, in addition to your premium costs, you will also have to pay a service call fee when a technician visits your home for repairs. This fee usually ranges from $60 to $125.
Below is a table showing the tentative monthly costs for mobile home warranty plans.
Purchasing a home warranty for a manufactured home or mobile home is similar to doing so for a residential home. In most cases, there is a 30-day waiting period before coverage begins. After that, you can file a claim if any covered item stops working, by following the steps below:
As a mobile homeowner, you have different needs than those of a site-built homeowner. So, when choosing a mobile home warranty, it’s important to find the right plan and coverage that suits your needs.
For example, if you live in a manufactured home park, you may not need coverage for the septic tank or well pump because these systems are maintained by the park owner. If you own the land on which your home stands, you may be interested in some optional coverage for these items. Or if you have the kind of mobile homes that are caravans or recreational vehicles then you may not need some optional items.
However, we understand that choosing one company from a large number of options is not an easy task, so we have outlined a simple process for you to follow.
Ask your friends, neighbors, or family about their experiences with their home warranty provider if they purchased a mobile home warranty plan.
Compare the mobile home warranty providers in your area. Check out the reviews and sample contracts for more information. Think carefully about the company’s offerings and see if they fit your budget and needs.
It is always a good idea to request a quote to find out which mobile home warranty plans offer the coverage you desire at a price you can afford. You can submit quote requests on our site as well and get access to great discounts.
Find out about a mobile home warranty’s coverage, the limitations and exclusions, the claims process, customer service, and the cost.
People who believe in sustainability favor mobile homes and prefabricated homes as they are environmentally friendly and can be cost-effective at the same time. Hence, getting a home warranty is an effective means to prolong the lives of home devices instead of replacing them frequently.
Home warranties can protect you against expensive repairs and replacements as well as prevent you from losing money on unnecessary expenses on your mobile home. Take extra care to maintain the items well to prevent faster wearing out.
Most states mandate that new mobile homes come with a warranty period of one year. However, you can also find some companies offering warranty periods of five years or longer.
The coverage of these warranties differ from one company to the other. For example, some warranties don’t include cosmetic items or problems caused by improper moving or installation. You’ll get an idea about a new mobile home’s warranty period and terms of coverage by reading through contracts carefully.
Yes, American Home Shield provides coverage for mobile homes. The company offers three plans, and there is a 30 day waiting period after the date of purchase.
No, it is not expensive to insure your mobile home. Generally, the average cost of mobile home insurance is between $500 to $1000 per year.
Yes, you can buy a home warranty on a used mobile home. There is no restriction on the age, make or model of covered items, generally. However, if you want to understand how your home warranty works, you must carefully read the fine print.
Yes, home warranty companies provide limited coverage for roof leaks. Along with the roof coverage, you can get coverage for other items of your home.
Home warranty companies provide coverage for the foundation of your mobile home whether it is concrete or not. Some companies also provide a certain amount of money for accessing items that are covered by concrete when they break down due to normal wear and tear.
Yes, several home warranty companies provide coverage for the septic systems on a mobile home. The company coverage depends on the plan you choose. To know about it you must read the sample contract of any home warranty company before making a decision.
There are few companies that cover the pre-existing problems of your home’s systems and appliances. If you want to know more about home warranties and their coverage, you can check out the top home warranty companies and choose one that suits your needs.
Your mobile home warranty can become void if the devices are installed incorrectly or breakdown due to improper installation and maintenance.
A home warranty covers the appliances and systems inside a home and offers coverage to items that break down due to general wear and tear. Whereas homeowners insurance covers the structure and personal property of the insured and protects your house from damages caused by natural disasters, theft, and other unforeseen circumstances.
You can find out more about the differences between the two policies in order to see how they complement one another.
$500 is the average premium pricing for annual home warranty plans. It typically offers comprehensive coverage for basic systems like air conditioning, electrical, and plumbing, and important appliances like your refrigerator, dishwasher, washer, and dryer. If you want optional add-ons, the price may increase.
Yes, you can get a home warranty without an inspection. A home inspection is not typically required by most companies. But it is prudent to get one as it can help in detecting any known and unknown pre-existing condition of the home and may save you from future repairs.
In the buyers market, sellers may pay for the home warranty so that the home becomes market-ready and fetches a higher price. Therefore, the buyers can also feel more confident that their home systems and appliances will be covered from any unexpected breakdown, while the seller rests easy as they will not be held liable for the repairs.
A home warranty usually comes with a waiting period between 1 and 30 days, (which may vary from one company to another). Once the waiting period ends, you can file a claim when any item stops working.