Mobile home insurance offers protection similar to that of a traditional homeowners policy, including coverage for the home itself, personal belongings, and personal liability. A mobile home insurance policy protects against financial loss from covered events like fire, theft, or wind, covering the dwelling, personal property, and liability.
Key Coverages
- Dwelling Coverage: Protects the physical structure of your home.
- Personal Property Coverage: Covers your belongings like furniture, electronics, and clothing.
- Other Structures Coverage: For detached sheds or garages.
- Personal Liability: Covers medical bills or legal fees if someone is injured on your property.
- Additional Living Expenses (ALE): Pays for temporary housing if you can’t live in your home during repairs.
Mobile and Manufactured Home Policies
Mobile Homeowners (MHO-3) – This policy covers owner-occupied mobile and manufactured homes used as a primary residence. Coverage includes the mobile home, other structures on the property, personal property, additional living expenses, and personal liability protection.
Mobile Home Dwelling Fire (MDP-1) – Designed for tenant-occupied properties or homes that do not qualify for an MHO-3 policy, this option provides coverage for the dwelling, other structures, personal property, and loss of rent or additional living expenses.