Under Mobile Home Insurance policy

Mobile Home Insurance is a specific type of home insurance that offers

additional coverage for the unique circumstances that come with owning a

mobile home. Manufactured homes and modular homes also qualify for

coverage under a Mobile Home Insurance policy. A comprehensive mobile

home insurance policy can protect your home from many forms of loss.

Structural Damage

A comprehensive mobile home insurance policy protects against physical

damage to your home as long as the cause of the damage is not specifically

excluded in the policy. Covered events can include:

✗ Fire

✗ Smoke

✗ Wind

✗ Hailstorm

✗ Lighting

✗ Falling Objects

✗ Explosion

✗ Theft

✗ Vandalism

Personal Property

Mobile Home Insurance also helps protect your personal property. This can

include detached or adjacent structures on your property, such as the patio,

shed, or garage, as well as personal belongings, such as furnishings or

appliances. Coverage also includes assistance with living expenses should

your home become temporarily uninhabitable as the result of a covered

event.

Liability Protection

Mobile home insurance also provides

protection from a multitude of

personal liabilities. Your policy will

include a set limit to how much the

policy can cover. Circumstances

covered by liability insurance can

include financial assistance to repair

or replace another person’s property if you are responsible for the damage, as

well as payment for medical bills, lost wages, or funeral costs if you cause

bodily injury to another. The most common types of liability claims are dog

bites and fallen trees, i.e., your dog bites the mean kid from up the street, or

your diseased elm drops a branch on your neighbor’s glass-paned sun room.

Trip Coverage

As the name implies, mobile homes are mobile. These dwellings are

manufactured in factories and delivered upon purchase. At any point after

purchase, you can transfer your home to a different location. But, before

moving your home, consider adding Trip Coverage to your policy. For an

additional premium, Trip Coverage provides insurance protection for your

home while it is in transit. Coverage for relocating your home is ordinarily not

included in basic policies, and to be valid it must be purchased prior to moving

your home. Collision insurance will also cover home as it is moved.

Broad Form Insurance

As with most types of insurance, you

can design your mobile home

insurance policy to cover more than

the standard comprehensive policy. Broad Form Insurance can include atypical

or excluded events not normally covered. This type of extended insurance will

most likely require a higher premium payment, and frequently, an additional

deductible.

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