Mobile homes, also known as manufactured homes, require specific insurance to protect against various risks. Mobile homes can be more prone to weather-related damage than traditional homes. Without proper coverage, out-of-pocket expenses for repairing or replacing a home and assets might become prohibitively expensive.
Tailoring your insurance coverage to your specific needs provides protection against unexpected life events. Here’s an overview of what mobile home insurance normally covers:
Dwelling
Dwelling protects the structure of a mobile home from threats such as fire, storms, theft, and vandalism. It also includes any associated constructions, such as a deck or porch.
Personal Property
Clothing, gadgets, appliances and furniture can be protected within the mobile home. Insurance may partially cover the cost of replacement or repair for items stolen or damaged by a covered risk.
Other Structures
Most mobile home insurance policies provide coverage for detached structures on the property, such as a shed, garage or fence.
Additional Living Expenses
If your mobile home becomes non-viable as a result of a covered loss, having additional living expenses can pay for temporary living expenses, including hotel accommodations, meals and
other related expenses while repairs are being completed.
Loss of Use
This coverage reimburses you for expenses spent if you are forced to reside elsewhere while your mobile home is repaired or rebuilt following a covered event.
Liability
Liability insurance protects you if someone sustains injury on your property or if you cause damage to someone else’s property. It can assist in covering medical bills, legal fees, and property damage up to the liability limitations.
Optional Coverages
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Tiny Home
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Vacant Home
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Flood Insurance
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Earthquake
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Replacement Cost Coverage
Important Note: Not all incidents are covered by mobile home insurance, and exclusions apply.
Looking for manufactured house insurance? All Insurance Services works with multiple A-rated carriers to determine the best plan for your mobile home insurance needs. Contact an agent today for a cost-free, no-obligation mobile home insurance quote.
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