Mobile home coverage: Mobile home insurance policies provide two basic kinds of insurance—coverage for physical damage and personal liability coverage. These coverage options are generally available for mobile rental homes, commercial mobile homes, mobile homes used seasonally, or mobile homes located in a park or on private property.

Physical damage coverage pays for accidental damage to your mobile home, belongings, or other structures (such as attached patios or decks, garages, and storage sheds) resulting from fire, hail, wind, theft, and vandalism or falling objects. Also, like regular homeowners insurance, flooding is not covered. You can purchase separate flood insurance if you are in a flood zone.

Personal liability coverage protects you when there is a claim or a lawsuit against you after someone is injured or their property is damaged because of your activities. Claims might include medical expenses, lost wages, pain and suffering, and even property damage to others (liability coverage does not pay claims for injuries to you or the members of your household). The amount of insurance necessary to protect your assets may be more than what comes standard with a mobile home insurance policy; if so, consider purchasing additional liability insurance.

Peril policies offer basic insurance coverage and only cover specific causes of loss. While the low premiums may seem like a bargain, if your mobile home is damaged by a reason other than one of the policy’s limited named perils, you won’t be covered. You’ll need to spend your own money to repair the damages or replace your belongings.

You’ve worked hard to buy your home and the things you own, but sometimes unexpected events like fires or severe hailstorms can cause major setbacks.

If you don’t have enough cash on hand to repair major damage to your house or replace most of your stuff all at once you’re definitely not alone! Fortunately, this is where mobile home insurance can help.

Mobile home insurance is many a time specifically tailored as per your home model and design. Talk to us to know the right coverage and to keep your mobile home protected with the right insurance.