I use to have State Farm ERS on both my toad (every day car) and MH. Over the years they did a very good job covering ERS for my toad but after reading their policy I questioned their coverage for the MH and the agent had to agree that it my not cover the full tow service cost to a qualified MH repair center. I then compared ERS coverage between State Farm, Progressive and Good Sam's. Progressive has much broader MH coverage and better ERS than State Farm for about the same overall premium. Progressive had about the same ERS coverage as Good Sam's but for much less cost. I switched all of my MH coverage to Progressive and have been very satisfied with them even after replacement of two windshields and substantial tornado damage claims with very small premium increases over the past five years.
Based on many forum posts it appears that coverage from one area of the USA to another can make substantial differences in coverage and cost with any one insurer. So what is good in my area may not be as good in another area with the same insurer.
Dave
