Mobile home insurance, sometimes referred to as manufactured home insurance, is a specialized policy that protects your factory-built home and personal belongings from disasters like fire, severe weather, or theft. It’s a lot like standard homeowners insurance, because it provides similar coverage options, such as liability insurance if someone is injured on your property. Some coverage may be excluded, however, like flood and earthquake insurance.
The coverage you can expect includes:
Dwelling Coverage – Pays to repair or rebuild the physical structure of your mobile home and attached decks if they are damaged by a covered peril.
Personal Property Coverage – Covers the cost to replace your furniture, electronics, clothing, and other belongings if they are stolen or destroyed.
Liability Protection – Helps cover legal fees and medical expenses if a guest is injured at your home or if you accidentally damage someone else’s property.
Loss of Use – Reimburses you for temporary living costs, like a hotel room, if your home is rendered uninhabitable by a covered event.
