Mobile Home Insurance – Manufactured Home Insurance

Mobile Home Insurance and Manufactured Home Insurance is handled separately from site built homeowners insurance.   Mobile Homes and Manufactured Homes may be located in a park community or on a separate lot.

We are able to accept new and older mobile homes, manufactured homes, park models, modular homes, rental mobile homes and vacant mobile homes.

Comprehensive Coverage

Unless specifically excluded in your policy, most direct, abrupt and accidental physical losses to your mobile home are covered.

Liability Coverage

If you’re found legally responsible for an accident that causes injury or property damage to someone who doesn’t live in your mobile home, liability coverage will cover costs like medical bills, lost wages, pain and suffering, and property damage.

Agreed Loss Settlement

If your manufactured or mobile home is destroyed by an insured loss, you will receive the full amount of insurance for your home minus the applicable deductible without hassle.

Optional Replacement Cost

The option to purchase replacement costs coverage for your mobile home will provide a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.  In some states, an extended replacement cost percentage of the dwelling may be available.

The following are a few popular optional mobile home coverage items:

• Hobby farm or ranch liability
• Identity fraud expense and management including monitoring
• Incidental business liability
• Personal injury
• Water damage from sewers and drains
• Earthquake coverage
• Trip coverage when moving your home
• Personal liability coverage on additional residences
• Scheduled personal property coverage
• Replacement cost coverage

There are a number of quality mobile home builders in the United States, it is worth investigating all the available options and reading reviews of current owners who have shared their experiences.