Because mobile and manufactured homes are different than other homes, mobile home owners have different coverage requirements. While most mobile home policies only cover your home for certain specified perils, our insurance provides specialized coverage.
This covers most direct, sudden, and accidental physical losses (not specifically excluded in the policy), including:
Liability Insurance Coverage
If you're found legally responsible for an accident that causes injury or property damage to someone who doesn't live in your home this insurance covers costs like medical bills, lost wages, and property damage.
Other Included Mobile Home Insurance Coverages
Agreed Loss Settlement
In the unfortunate event that your home is destroyed by a covered loss, an Agreed Loss Settlement will provide the full amount of insurance that you've purchased on your home, minus any applicable deductible.
Optional Replacement Cost
Purchase this option and receive a settlement that reflects the cost to replace the damaged items with new items at today's prices. In other words, Optional Replacement Cost Insurance covers the cost to replace damaged items with new items of comparable material and quality, without any deduction for depreciation.
But Wait, There's More!
With our Mobile Home insurance policy, you can also choose additional coverage options, including:
This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.
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Additional Coverage For Renters & Homeowners
Expanded Coverage With Umbrella Coverage
Or, be sure to read about Umbrella Coverage. With a Personal Umbrella policy, you'll have additional liability limits over and above those provided by your underlying policies. Your assets, as well as your future earnings, are covered.
Discounts and Savings
You can get discounts for improvements to your home; car and home insurance policyholders can save on both policies with built-in discounts for bundling insurance, and non-smokers can get a homeowner's insurance discount, too. Contact us to learn more.
Forms and Phone Numbers
Insurance Brochures and Tipsheets