Find the right home insurance for your portable property.
Your mobile home may have been built in a factory and moved to your desired location, but even today, it isn’t that much different to a site-built single-family home. If you own a mobile home, it’s important that you protect it properly, even if you only visit it for vacation.
Mobile home insurance typically covers the same general types of risks as a traditional homeowners policy, along with additional coverage that only applies to manufactured homes.
- Physical damage
If your home is damaged by a fire, storm or another natural disaster, the physical damage coverage of your mobile home insurance can help to cover the costs of repair. Your policy may also help to cover the additional living expenses of living elsewhere while your home is being repaired. Keep in mind that most standard home insurance policies exclude flood and earthquake damage, which means you’ll need to purchase these policies separately.
If someone gets hurt on your property and then sues you, or if you accidentally damage someone else’s property while in their home, liability coverage can protect you. Your policy can cover the legal expenses and any damages you are required to pay by the court, up to the coverage limit.
- Personal property
If your belongings are damaged or lost due to a covered peril, such as fire, hail, wind, theft, or vandalism, your policy will help to repair and replace your belongings.
- Mobile-specific coverage
Your mobile home can be moved from one location to another. Trip collision coverage can be there to protect your home while it’s on the move.