Mobile Home Insurance
If you own a mobile or manufactured home, you’ll be pleased
to know that we provide insurance specifically designed to protect your
mobile home, adjacent structures and personal effects from harm. Your
mobile home insurance policy provides coverage for your home and personal
property such as clothing, cooking appliances, TVs and your other personal
possessions against perils such as fire, lightning, wind or hail damage,
and more. The policy covering your mobile home also provides liability
protection against accidents that happen to somebody else for which you
are legally responsible.
Your mobile home policy provides:
Coverage for your mobile home. Your mobile home policy
protects your mobile home and adjacent structures (structures on your
premises which are not attached to the mobile home) from all forms of
loss unless they are specifically excluded in the policy. Coverage is
provided for a wide range of perils, including but not limited to fire,
windstorm damage or damage from falling objects, lightning, explosion
and more. Note: Coverage under the regular policy doesn’t apply while
the mobile home is in transit.
Protection for your personal effects. Your policy also
includes similar protection against a wide range of perils for your personal
property, while on your residence premises or in an adjacent structure.
Personal property coverage also applies while your property is away from
your home, but with a lower maximum limit and a smaller range of perils
insured against.
Personal Liability protection. Accidents can happen,
and if you unintentionally cause bodily injury or property damage to someone
who doesn’t live in your home, you could be faced with large out of pocket
expenses due to court costs or damages. Your policy can pay for medical
expenses to a non-resident of your home in addition to the damages or
defense costs due to a covered accidental circumstance.
