Manufactured Home Insurance

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Manufactured Home / Mobile Home Insurance

Manufactured home insurance provides coverage for your mobile home, garage or shed, and your personal belongings. It may also provide financial protection in case you unintentionally injure someone or damage their property. Having the right insurance helps you protect one of your most valuable assets – your home. Fire. Theft. Windstorms. Hail. These are risks you face every day as a mobile home owner. You are also at risk in case someone gets hurt while at your home, or you accidentally damage someone else’s property. Mobile home insurance offers peace of mind in knowing that your finances will not suffer if unexpected events like these happen.

Comprehensive Coverage

While no insurance policy covers everything, your policy should cover a wide range of possible damages or causes of loss like:

  • Fire
  • Vandalism
  • Falling Objects
  • Explosion
  • Attempted or Actual Burglary or Robbery
  • Water Damage from Bursting Pipes
  • Wind / Hail / Hurricane
  • Lightning

Optional Coverage

Some coverages may be subject to company approval or may not be available in all states. These are a few of the most popular coverage options:

  • Comprehensive Personal Effects Replacement Cost Coverage
  • Trip Coverage When Moving Your Mobile Home
  • Personal Articles Floater
  • Additional Coverage for Other Structures

Liability Coverage

Liability coverage is an important part of your insurance package and also comes standard with most Mobile Home policies. It covers you if you are found legally responsible for an accident that causes injury or property damage to someone who does not live in your home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage, as well as legal counsel.

Additional Coverages Included With Your Policy:

  • Removal of Debris, of Your Insured Property, After a Covered Loss
  • Trees, Shrubs, Plants and Lawns
  • Additional Living Expenses
  • Fire Department Service
  • Food Spoilage

Take Inventory of Your Property

 

Many people learn after a fire or storm that they did not have enough personal property coverage. Making a written inventory will help you decide how much insurance you need. It will also simplify claims.

Your inventory should list each item, its purchase date, value, and serial number. Photograph or videotape each room, including closets, open drawers, storage buildings, and garages. Keep the inventory and receipts for major items in a fireproof place or another location.

Other Available Policies:

Commerical Insurance

Coverage for losses and damages to commercial property.

Auto Insurance

Auto coverage protects you against different types of losses.

Flood Insurance

Coverage for property or personal property damaged from the sudden & temporary natural accumulation of water.

Questions?

Send us a message and we will get back to you as soon as we can.

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