Mobile Home Insurance covers your mobile home itself, your personal property, and includes liability coverage that could help cover accidents. A Mobile Home Policy can help replace or repair your home, attached porches, patios, and decks, as well as garages and storage sheds on your property. This type of insurance can also help cover your living expenses if you’re forced to move our of your mobile home because of a covered loss.
The three most important areas to be aware of when purchasing Mobile Home Insurance are General Coverage, Liability Coverage, and Personal Property/Possessions Coverage.
General Coverage will cover most threats, including fire and water/pipe damage. Liability Coverage protects your family and guests from bodily injury while on your property. Personal Property/Possessions Coverage will protect your property against many types of losses, including the perils in your general mobile home coverage. Theft coverage will cover your personal property from burglary, as well as stolen financial items (credit cards, checks, and cash).
More areas to look into are coverages for Loss of Use, Emergency Removal, Trip/Transport, and Replacement Cost.
Loss of Use coverage will pay for expenses incurred while you are unable to live in your mobile home (food and lodging). Emergency Removal will pay a specified amount towards the cost of removing your mobile home, in a case where it is required due to a covered loss. An example is if your area becomes extremely flooded, and transport is necessary to save the home. Trip/Transport covers your home while it is in transit.
Call us today to find the right Mobile Home Policy for you!