Mobile home insurance policies provide two basic kinds of coverage: physical damage and personal liability coverage.
Physical damage coverage pays for accidental damage to your mobile home, belongings, or other structures (such as attached patios or decks, garages or storage sheds) resulting from fire, hail, wind, theft and vandalism, or falling objects. The amount and degree of coverage varies from one policy to another, so make sure to compare policies carefully.
Personal Liability Coverage
Liability insurance coverage applies when there is a claim or a lawsuit against you after someone is injured or their property is damaged because of your activities. That amount may be more than what comes standard with a mobile home insurance policy, so it may be wise to consider purchasing additional liability insurance.
Claims might include medical expenses, lost wages, pain and suffering, and even property damage. However, liability coverage does not pay claims for injuries to you or the members of your household.
The coverage for mobile and manufactured homes is similar to a homeowners insurance policy, but there are some differences. You can talk to one of our agents to help you understand what a mobile home insurance policy can protect.
Hometown Insurance Center makes it quick and easy to get a mobile or manufactured home insurance quote online. Just fill out the form on this page.