Due to their unique construction and vulnerability to particular weather, such as wind storms or floods, manufactured and mobile homes typically don’t qualify for traditional homeowners insurance. This is where mobile home coverage comes in.
What is Mobile Home Insurance?
Mobile home insurance is a type of coverage that provides a broad level of protection for you and your home. It protects your mobile home's structure and personal property and offers liability coverage to help protect against lawsuits. For example, suppose your mobile home or its contents sustain physical damage from perils such as fire, hail, theft, or vandalism. In that case, a mobile home policy typically covers repairs or replacement costs. Additional structures on your lot, such as a patio or garage, and your personal belongings are also likely covered.
Types of Mobile Home Insurance coverage?
Mobile home insurance policies give two main types of coverage: physical damage coverage and personal liability coverage. These alternatives are typically offered for mobile rental homes, commercial mobile homes, seasonal mobile homes, or homes located in a park or private property.
Physical damage coverage:Â Accidental damage to your mobile home, goods, or other structures (such as attached patios or decks, garages, and storage sheds) caused by fire, hail, wind, theft, vandalism, or falling objects is covered by physical damage coverage. Flooding, like standard home insurance, is not covered. You can obtain separate flood insurance if you live in a flood zone.
Personal liability coverage protects you if someone is injured or their property is damaged due to your activities. Medical expenditures, missed wages, pain, suffering, and even property damage to others could all be grounds for a claim (liability coverage does not pay claims for injuries to you or the members of your household). If the amount of insurance required to cover your valuables exceeds what is included with a mobile home insurance policy, consider obtaining additional liability insurance.
Why is Mobile Home Insurance important?
You've worked hard to acquire your home and possessions, but unexpected events such as fires or severe hailstorms can cause significant setbacks.
You're not alone if you need more cash to repair serious damage to your home or replace most of your belongings all at once. This is when mobile home insurance can come in handy.
Mobile home insurance is often tailored according to your home model and design. So talk to us about the right coverage and protect your mobile home with the right insurance.
Already have Mobile Home Insurance? Switching is easy
It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.
Request a Quote
Get Personalized Insurance
Arnold Smith Insurance
We extend insurance coverages in WA, OR, AZ, ID & MT
