What does mobile home insurance cover?
Mobile home insurance includes all the coverage that a typical homeowners insurance policy offers, including protections for your home and property.
Mobile home insurance coverage is very similar to a standard homeowners insurance policy. Manufactured home insurance provides coverage for the policyholder’s home and belongings, and includes liability protection.
Mobile home insurance companies allow policyholders to modify their policies through endorsements, which complement a standard policy giving more benefits to the user. Endorsements provide coverage that does not normally come with a homeowners insurance policy, such as debris removal and sewer water damage.
Manufactured homes are prone to fire damage. Check if your policy covers this danger. Policyholders can also set unique coverage limits. These are the main coverages that mobile home homeowners insurance offers.
Home coverage – This coverage helps pay to rebuild or repair the physical structure of your home if it is damaged by a covered peril. For example, if a fire causes a wall in your mobile home to collapse, you would be in housing coverage. Other structures that are covered by home coverage include your roof and a deck that is attached to your mobile home.
Personal Property – Mobile home insurance provides protection for your personal belongings, whether they are damaged or stolen. For example, if a burglar breaks into your mobile home and steals your laptop, you are covered. Please note that you would have to pay a deductible to make a claim.
Liability Protection – This coverage protects you if someone is injured on your property. For example, if your neighbor is struck by a falling tree limb on your property, you could be held liable. With this coverage, your insurance company would cover legal defense fees and may pay damages if you are responsible. Your insurance company would only offer financial protection up to your coverage limit.
Other Structures – Mobile home insurance policies often include coverage for permanent structures that are not permanently attached to your home, such as a garage or tool shed.
Additional Living Expenses – If you are unable to live in your home due to a covered loss, this coverage provides compensation for the additional expenses while you live elsewhere. For example, if there is a fire in your mobile home, your insurance company would pay the cost of a hotel, up to your coverage limit.
If you want more information about the coverage of your mobile home policy, do not hesitate to call us, we will help you.