Mobile Home Insurance

Mobile Home Insurance

You can help protect your mobile or manufactured home, your belongings and your family. The coverage for mobile and manufactured homes is similar to a homeowner’s insurance policy, but there are some differences.  We can help you understand what a mobile home insurance policy can protect.

When you’re thinking about purchasing insurance for your mobile or manufactured home, it’s helpful to understand what your policy protects. Most mobile home insurance policies include standard coverage types, such as:

Personal property coverage
Covers your personal belongings if they’re stolen or destroyed by a fire, theft or other covered peril. It includes things like clothing, furniture, your laptop and other electronics—though you may want to opt for scheduled personal property coverage for especially expensive items and collections.

Scheduled personal property
If something happens to your high-priced belongings, this covers them beyond the limits of what your personal property coverage will pay. You can add it to your policy to help cover an expensive piece of jewelry, your collection of audio equipment or other pricey items you own.

Loss of Use
Helps pay for your increased living costs if a covered loss makes your home uninhabitable. That typically includes things like food and a temporary place to live.

Liability coverage
Covers legal expenses, medical bills and other damages if someone gets injured at your place and sues you.

Guest medical coverage
Covers reasonable and necessary medical expenses, like the cost of x-rays or an ambulance, if a person injures him- or herself in or around your place.