Mobile Home Coverage – Mobile home insurance policies provide two main types of coverage: physical damage coverage and personal liability coverage. These are generally available for mobile rental homes, commercial mobile homes, seasonal mobile homes, or those located in a park or on private property.

Physical Damage Coverage – Pays for accidental damage to your mobile home, belongings, or additional structures (such as attached patios, decks, garages, and storage sheds) due to fire, hail, wind, theft, vandalism, or falling objects. However, like standard homeowners insurance, flood damage is not covered. If you live in a flood zone, you may need to purchase separate flood insurance.

Personal Liability Coverage – Protects you against claims or lawsuits if someone is injured on your property or their property is damaged due to your actions. Liability coverage may cover medical expenses, lost wages, pain and suffering, and property damage to others. However, this does not cover injuries to you or members of your household. If your assets exceed the standard policy limit, consider purchasing additional liability insurance.

Peril Policies – These policies offer basic insurance coverage but only cover specific named perils. While low premiums may seem cost-effective, if your mobile home is damaged by an event not listed in the policy, you won’t be covered. In such cases, you would need to pay for repairs or replace your belongings out of pocket.

You’ve worked hard to buy your home and the belongings inside it, but unexpected events like fires or severe storms can cause major financial setbacks.

If you don’t have the cash on hand to cover major repairs or replace your possessions all at once, you’re not alone! This is where mobile home insurance can provide the financial protection you need.

Mobile home insurance is often tailored to your specific home model and design. Talk to us today to find the right coverage and ensure your mobile home stays protected with the best insurance policy available!