Protect Your Property With Mobile Home Insurance Quotes

As mentioned, homeowner’s insurance for mobile homes covers most of the things covered by standard home insurance. You can customize your plan and add endorsements to make your policy fit your needs.

Here are the most common coverages offered under mobile home insurance.

• Physical Damage: Personal damage will cover accidental damage to your belongings, structures attached to your modular or manufactured home (like a deck), outbuildings (like a shed) as well as damage to the home itself. This damage can be the result of wind, theft, fire, hail, vandalism, and falling objects.

  Note that flood, wildfire, and earthquake insurance is NOT included, so—just like with traditional home insurance—if you live in an area prone to these natural disasters, you’re going to want to consider separate insurance. 

• Personal Liability: If you or someone else who lives in your home damages someone else’s property, personal liability will cover the cost up to your limit. Personal liability will also cover costs if someone who does not live in your residence is injured on your property.

  Personal liability coverage can pay for lost wages, pain and suffering, and medical expenses. If your assets exceed the amount of coverage offered under your standard mobile home insurance quote, consider additional coverage so you don’t have to pay out-of-pocket in the event of an accident or incident. 

• Loss of Use: If something should happen that prevents you from living in your home (like a fire), loss of use insurance can pay for the costs of hotels and meals for the time you cannot live in your home due to a covered loss.
  
  
• Named Perils: Here’s another option for your homeowner’s insurance for mobile homes. It’s the cheapest option: but there’s a catch. Since you’re only protected against the perils outlined in the policy, if anything should happen that falls outside the parameters of the plan, you could be on the hook for a substantial sum.