From the rooftop to the kitchen range, we’ve gathered some homeowners insurance basics and how it helps you to protect one of life’s biggest investments—your mobile home.
The Basics
A mobile home insurance policy will provide coverage for your home and property such as the following:
- Mobile home
- Attached patio and/or deck
- Storage shed or garage
- Clothing
- Cooking appliances
- Entertainment equipment
- Personal possessions
What Protection Does It Offer?
Obtaining coverage specific to your mobile home is essential. In fact, a standard homeowners insurance policy will not cover your liabilities in the same way this specific policy will. There are also endorsements you can add to the policy to cater to your specific needs.
Coverage Inclusions
Policies can cover you for the following:
- Protection for improvements
- Loss of use of your mobile home
- Coverage for your actual mobile home and any adjacent structures that are on your premises:
- Covered from all forms of loss including fire, windstorm damage, damage from falling objects, lightning and explosions.
- Personal property protection:
- Covers losses for removable property such as electronic equipment, bicycles, furniture and clothing.
- Personal liability protection:
- Covers losses in the event that someone or something is injured on your property. Policy pays for medical expenses for non-residents of your home and damages or defense costs as a result of covered accidental incidents.
Additional Endorsements
Consider purchasing these endorsements for added protection:
- Emergency removal: Moving your mobile home if an oncoming disaster (e.g., fire, tornado) threatens your home and safety. Policy pays for you to move to another location.
- Trip collision: Protection for use when moving your mobile home to another permanent location.
- Worldwide coverage: Protection for your personal belongings if they are lost, stolen or damaged when traveling to another permanent location.
- Fire department charges: This policy provides reimbursement for charges incurred if your mobile home is located in an area that is not serviced by a fire department.
- Extended coverage: Used for valuables, such as jewelry, furs and heirlooms. Extended coverage for electronics.
- Water backup: Protects against damage resulting from water backups through your sewer, drains or sump pumps.
Also Read: Home Safety Measures that Can Save You Money on Home Insurance
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