Mobile Home Insurance

What is Mobile Home Insurance?

A mobile and manufactured home is essentially the same thing; a manufactured home is just what the government calls them if they were built after June 15, 1976. So, a mobile home policy should work regardless of which name you use for your castle. But if you have a modular home (usually delivered in multiple pieces and assembled on your land) you should get a quote for a standard homeowner’s policy.

Why Do I Need Mobile Home Insurance?

You’ve worked hard to buy your home and the things you own, but sometimes unexpected events like fires or severe hailstorms can cause major setbacks. If you don’t have enough cash on hand to repair major damage to your house or replace most of your stuff all at once you’re definitely not alone! This is where mobile home insurance can help.

What Does A Mobile Home Insurance Policy Cover?

  • Coverage for the structure of your mobile home: Your mobile home policy helps protect your mobile home and structures you own that are located on the same land as the home, but not attached from all forms of loss unless specifically excluded.

  • Protection for your personal effects: Your policy also includes protection against a wide range of perils for your personal property, either inside your mobile home or in an adjacent structure like a shed. Personal property coverage also applies while your property is away from your home, but with a lower maximum limit and a smaller range of perils insured against.

  • Personal liability protection: In the real world accidents can happen and if you unintentionally cause bodily injury or property damage to someone who doesn’t live in your home, you could be faced with large, out-of-pocket expenses due to court costs or damages. Your policy can pay for the medical expenses of someone who does not live in your home in addition to the damages or defense costs due to a covered accidental circumstance.