What Is The Typical Mobile Home Insurance Policy Cover?

While mobile home insurance varies widely from company to company in from insurance policy to insurance policy, mobile homeowners can expect and should look for the following:

Fire, Flood, and Environmental Disaster Damage

While some insurance policies do not cover this type of damage on a mobile home, you can generally get additional insurance that does cover these types of disasters.

Structural Coverage

This type of coverage will help ensure that your mobile home is repaired or replaced in case the actual structure of the home is destroyed due to fire, vandalism, or other problems.

Liability Coverage

If someone is injured in your home, this coverage can help ensure that medical costs are paid for, reducing the chance that you'll be sued by someone who has experienced personal injury in the course of staying in or encountering with mobile home.

Personal Property Coverage

This type of coverage generally covers all the personal property you have inside your mobile home against theft or damage. If you have very expensive personal items in your mobile home, however, you will want to get additional personal property coverage. This is because most mobile home insurance covers personal property only to a certain percentage of the total value of the mobile home. Many policies do not cover expensive items such as jewelry or collectibles at all.

Moving Coverage

If a fire or other imminent threat may be potentially harmful to your mobile home, this type of coverage can reimburse you or give you the money you need to move your home out of danger's way.

If you own a mobile home, mobile home insurance makes a great deal more sense than regular car insurance or house insurance. This is because when it comes to homeowners insurance, mobile homes simply present unique risks and dangers that are not addressed by traditional home policies. For example, the chances that a mobile home will be stolen are much greater than the chances that a fixed site home will be stolen. Also, you need mobile home coverage to protect your home during travel or transport. This type of coverage is not available through traditional car or house insurance.