Mobile Home Insurance

If you own a mobile home, we can help protect you like any other homeowner against damage to your home, personal property and liability. Mobile homes require different coverage considerations than your standard single family home. We offer a variety of insurance products that are specially designed to meet the needs of a mobile home owner.

Coverage Solutions From:

  • Mobile home insurance protects you from a multitude of standard risks or 'perils' that often result in damage or total loss of your home, adjacent structures or your personal property. Most mobile home policies provide for repair or replacement caused by:

    • Fire
    • Weather
    • Electrical surge damage
    • Equipment failure
    • Explosions
    • Glass breakage
    • Collapse of roof or walls
    • Falling trees and objects
    • Damage by vehicles
    • Theft or burglary
    • Vandalism and malicious mischief
  • In this day in age, law suites are extremely common and all it takes is something as simple as a neighbor tripping on your front porch to trigger enormous liability expenses. This coverage applies whether the accident occurred on your property or anywhere else. Liability protection covers medical expenses and other compensations for injuries, and costs of a liability lawsuit for a covered incident.
  • Depending on your unique needs, you may want to add additional coverages to your policy. Available coverages or "endorsements" vary depending on the insurance company. Our agents can help you understand your options but below are some samples of special endorsements that are commonly accepted by our carriers.

    • Replacement Cost - With replacement cost coverage, the insurance company will replace your mobile home and contents at today's costs based on the underlying coverage limits of your policy. (We try to add this coverage when ever possible.)
    • Scheduled Personal Property - We recommend purchasing this coverage if you own "high valued" personal property that could possibly exceed the limits of your policy. These may include jewelry, collections, fine arts, electronics, athletic equipment, etc.
    • Trip Collision - Provides coverage for your mobile home while moving it to another location.