About Mobile Home Insurance

What is Mobile Home Insurance? Coverage against losses resulting from hail, wind, fire, or theft. Usually writtn between $50,000 up to a $300,000 limit. Can encompass your entire mobile home, including:

An attached patio and deck
Other buildings such as garages and storage sheds
Additional living expenses you may incur, such as hotel and restaurant bills, if you are forced to move out of your mobile home because of a covered loss.

Depending on your mobile home insurance policy, it can also cover:

Bodily injury and property damage to others for which the law holds you responsible because of an accident.
Water damage from rupture of plumbing, and steam or water heating systems.
Medical payments to others with coverage limits of between $500 and $5,000 (aka Guest Medical Protection).
Personal property against loss from fire, lightning, smoke, vandalism, falling objects, collapse and any other perils listed on the policy
Theft both on and off premises, stolen credit cards, stolen or forged checks.
Non-auto liability claims brought by others for accidental bodily injury or damage to their property.
Damages to someone injured while on your property with your permission.
Loss of use of residence if you are unable to occupy your mobile home due to a covered loss (includes living expenses necessary for maintaining your normal standard of living).
Reasonable expenses you incur to remove your mobile home if it is endangered by a loss we cover.
Trip Collision provides coverage for your mobile home while moving it to another location.
Extended Coverage on Jewelry, Watches, and Furs.
Extended Coverage on Fire Department Charges.
Your legal defense costs (if you are sued).
Court costs.
Costs of premiums on bonds, within the policy limits.
Reasonable expenses you incur at the insurance carrier's request.

Discounts may be available for:

Newer mobile homes.
Approved protective devices (fire extinguishers, alarms, etc).
Mobile homeowners over 55 years old and retired (not be employed full time).

*** Always ask if the policy with provides full replacement cost for your insured mobile home and for most of your insured personal property. If a covered total loss occurs, will the insurance company will pay the full cost to repair or replace your mobile home or damaged personal property with no deduction for depreciation?