Mobile Home Insurance
Somewhere between a car and a home, mobile home owners have special needs when it comes to insurance. Therefore, mobile home insurance should be an insurance policy that covers the standard home aspects of a mobile home as well as the particulars that differentiate it from a foundational home, apartment, condominium, or town house.
For example, mobile home insurance includes coverage for certain things that other home insurance policies may not. These include:
- Decks, patios, and awnings that are attached to the mobile home
- Structures used for mobile home storage like a garage
- Extra living expenses due to your mobile home becoming uninhabitable due to a loss covered by your policy
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What Does Mobile Home Insurance Cover?
Mobile home insurance covers the same areas that home owners insurance policies cover plus a few extras that are particular to the needs of those who live in mobile homes. This means that most policies will cover the cost of damages or loss to the structure of the mobile home, the personal possessions that you store inside of it, and any liability you incur through a covered loss.
In order to make sure that you are properly protected, check your policy carefully to be sure that it includes everything you need. Some of the coverage options that should be included in most standard mobile home insurance policies are:
- Home Coverage covers you for the cost of damages and loss associated with your mobile home that are caused by natural disasters and unfortunate events specified in your policy, like fire or water damage from broken pipes.
- Personal Belongings Coverage pays for loss or damages to your personal belongings in case of fire, smoke, vandalism, collapse and more.
- Theft Coverage helps cover your losses when you are a victim of theft whether it is your property or credit cards that are stolen.
- Liability Coverage takes care of the cost of bodily injury or damage to property that happens to guests and is caused by you, a family member, or an event that is specified in your policy while they are a welcomed guest in your home.
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Home Insurance Basics is not an insurer and cannot issue home insurance policies. This site provides free information about home insurance policies and companies. The companies detailed have not endorsed or sponsored these pages. Products and services may not be available in all states.
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