Mobile Home Insurance
Mobile & Manufactured Home Insurance
Because mobile and manufactured homes are different than other homes, mobile home owners have different coverage requirements. While most mobile home policies only cover your home for certain specified perils, our insurance provides specialized coverage.
- It covers most direct, sudden, and accidental incidents unless excluded in the policy.
- It includes liability coverage for you if you’re legally responsible for an accident.
- It offers other coverage options to customize your policy.
What Does Mobile Home Insurance Cover?
Property Coverage
This covers most direct, sudden, and accidental physical losses (not specifically excluded in the policy), including:
- Fire
- Lightning
- Explosion
- Vandalism
- Landslide
- Falling Objects
- Actual Burglary or Robbery
- Water Damage from Bursting Pipes
- Damage by Wild or Stray Animals
- Collapse From the Weight of Ice And Snow
- Wind or Hail Damage
Liability Insurance Coverage
If you’re found legally responsible for an accident that causes injury or property damage to someone who doesn’t live in your home this insurance covers costs like medical bills, lost wages, and property damage.
Other Included Mobile Home Insurance Coverages
- Additional Living Expenses
- Trees, Shrubs, Plants, and Lawns
- Debris Removal
- Emergency Removal Service and Emergency Repair After a Loss
Additional Coverage Options
Agreed Loss Settlement
In the unfortunate event that your home is destroyed by a covered loss, an Agreed Loss Settlement will provide the full amount of insurance that you’ve purchased on your home, minus any applicable deductible.
Optional Replacement Cost
Purchase this option and receive a settlement that reflects the cost to replace the damaged items with new items at today’s prices. In other words, Optional Replacement Cost Insurance covers the cost to replace damaged items with new items of comparable material and quality, without any deduction for depreciation.
But Wait, There’s More!
With our Mobile Home insurance policy, you can also choose additional coverage options, including:
- Hobby Farm or Ranch Liability
- Identity Fraud Expense and Management (with or without credit monitoring)
- Incidental Business Liability
- Personal Injury
- Water Backup from Sewers and Drains
- Earthquake Coverage
- Trip Coverage When Moving Your Home
- Personal Liability Coverage on Additional Residences
- Scheduled Personal Property Coverage
- Replacement Cost Coverage (mobile home, other structures, and personal belongings)
Let Us Help You Get The Coverage You Need
To obtain a Mobile Home insurance quote for your specific situation, contact us today, or be sure to ask for a Quick Quote.
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