Mobile Home Coverage

What does the typical mobile home policy cover?

• It provides coverage for your mobile home and adjacent structures (structures on your premises which are not attached to the mobile home) against losses for perils such as fire, smoke, windstorm damage, damage from falling objects, lightning, explosion, vandalism, water damage from the rupture of plumbing system and more. Exceptions would be any peril that is specifically excluded in the policy.
  
  Note: Coverage under the regular policy doesn’t apply while the mobile home is in transit (See trip collision coverage below).

• It provides coverage for your personal property such as fire, smoke, vandalism, theft and other named perils unless otherwise excluded. Some types of contents will have limitations of coverage, making it necessary to add any appropriate endorsements needed to be properly insured. Personal property coverage also applies while your property is away from your home, but with a lower maximum limit and some restrictions.

• It provides loss of use coverage which will pay for the reasonable increase in your living expenses for up to the limit specified in your policy if you are not able to live in your mobile home due to a covered loss.

• It provides liability coverage against claims for bodily injury or damage to the property of others that may be brought against you, subject to the limits purchased and policy language. Accidents do happen and 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.

• It provides medical payments coverage if someone is injured while on your property whether or not it is your fault.

• It provides emergency removal service that you may incur to remove your mobile home if it is in danger of a loss that we cover.

Additional endorsements to consider:

• Replacement cost coverage for your mobile home: This provides full replacement cost for your insured mobile home. If a covered total loss occurs, the insurance company will pay the full cost to repair or replace your mobile home with no deduction for depreciation. (Subject to limits in the policy.)

• Replacement cost coverage for your contents: This provides replacement cost coverage for most of your insured personal property. If a covered loss occurs, the insurance company will pay the cost to repair or replace your damaged personal property with no deduction for depreciation. (Subject to limits in the policy.)

• Trip collision coverage: This provides coverage for your mobile home while moving it to another location; otherwise excluded on the standard policy.

• Extended coverage on jewelry, watches, and furs: Provides the opportunity to purchase additional coverage as needed.

• Extended coverage on fire department charges: Some communities may charge for dispatching the fire department. If that is the case in your community, you may be able to purchase additional coverage

We use companies that specialize in the mobile home market. Their expertise in understanding what is needed to properly protect your mobile home with a quality product is unsurpassed. Combined with an exceptional level of quick, competent and fair settlement practices make our decision easy when recommending coverage. This is just another example where the overall quality of the product justifies the cost.