Mobile & Manufactured Home Insurance

The mobile home insurance policy is coverage that offers financial protection for individuals who own mobile or manufactured homes. It can offer many forms of coverage, including liability coverage for property damage or bodily injury caused to others, as well as coverage for damages caused by natural disasters, theft, or vandalism. The policy can also offer personal property coverage for belongings such as furniture, electronics, and clothing.

How Do I Choose the Right Mobile Home Insurance?

1. Consider what kind of insurance you need: You will want to find a policy that covers things you are worried about, like if someone gets hurt on your property or if there is damage from a storm.

2. Research different insurance companies and get quotes: Once you know what kind of coverage you're looking for, look at different insurance companies to see what they offer. Getting online quotes can help you quickly narrow down your choices and make a decision.

3. Think about deductibles: Think about how much money you would be willing to pay if something happened to your home. This is called a deductible. If you are willing to pay more money, then your monthly insurance payments will be lower, but you will have to pay more if something happens.

4. Ask about discounts: For example, some companies offer discounts if you have safety features installed in your home or if you are a long-term customer.

5. Read the fine print: Make sure that you read all the details carefully. This way you will know exactly what is included in the policy and what is not covered. Pay close attention to any exclusions or special limits that could affect how much protection your home has from the insurer.

How much mobile and manufactured home insurance do I need?

The amount of insurance you need for a mobile or manufactured home may vary depending on the type of coverage you need.  At Farmers Insurance - Young Douglas, we offer a variety of coverage options to protect your mobile home and belongings. 

Most policies include liability coverage to protect against property damage or injury to others caused by your home, as well as physical damage coverage that helps pay for repairs or replacement of the structure due to:

• Storms
• Fires
• OtherFire
• Wind
• Hail
• Water damage (excluding flood)
• Hurricanes
• Visitor injuries

You may need additional coverages such as:

• Vandalism
• Theft protection
• Additional living expenses in case you are unable to live in your home during repairs and replacement cost coverage

To determine how much insurance is needed for a mobile/manufactured home, it is best to speak with a qualified insurance agent who can review your specific situation.

What are the different types of mobile and manufactured home insurance?

There are several types of insurance that can be included in a mobile and manufactured home insurance policy. Some of these types are:

Liability coverage: This protects against property damage or injury to others caused by your home.

Physical damage coverage: This helps pay for repairs or replacement of the structure due to storms, fires, or other disasters.

Vandalism coverage: This covers damage to your home caused by vandalism.

Theft protection: This covers theft of personal belongings or damage to the home caused by a break-in.

Additional living expenses: This pays for temporary housing and other expenses if you are unable to live in your home during repairs.

Personal property coverage: This protects your belongings inside the house like furniture and appliances in case something happens to them.

Personal liability coverage: This protects you from being sued if someone gets hurt on your property.

Medical payments coverage: This pays for people's medical expenses if they get hurt on your property.