Before you pick a plan for your mobile home insurance,
understand the details of what’s covered under your policy. Here’s what you can
expect in most standard policies, plus some extras you can typically add on for
an additional cost. Then you can pick the best plan for your budget and your
Standard Policy Coverage
Most insurance plans for mobile homes cover the structure of
the house as well as your belongings inside it. If you’ve added any other
structures on your lot, like a deck or a garage, you may be able to get those
included in your coverage as well.
Check the details of what kind of incidents are included.
Some common causes of damage that are covered typically include:
- Water damage from pipes
- Theft or vandalism
Exclusions usually include things like water damage from
flooding, wildfire, and other natural disasters. Look into these details
carefully, especially if you live in an area that frequently gets hit by a
specific type of extreme weather.
Most standard mobile home insurance policies also include
some sort of liability coverage. If a guest is injured on your property and
files a lawsuit, your coverage would cover whatever you’re found to be liable
for, such as the injured party’s lost wages and medical bills. Your legal fees
are also included in your coverage.
Of course, there will be a dollar limit to how much can be
used in this situation and it may not be enough to cover all of the expenses
associated with the event. Adding on an umbrella policy to your mobile home
insurance plan can increase your liability maximum in the event something
serious happens on your property.
Extras You Can Add On
Beyond the standard mobile home insurance coverage and
liability, you can also add on extra policies to suit your individual needs.
Many of these are specific to mobile homes and you may not even think of
needing this coverage until an emergency situation arises. Here are some
options to consider:
- Mismatched siding coverage
(extra coverage to make sure your siding matches in the event of partial
- Trip collision during a
- Other structure policies
Consider how much extra these policies cost and whether or
not they add enough value to actually purchase each year.
How to Insure a New Mobile Home
One of the key differences between a traditional homeowners policy
and a mobile home policy is that you need to have extra coverage when you’re
moving your mobile home to its final destination. Talk to your insurance
company to figure out the best way to make sure it is properly insured while on
the road. This protects you from any collision that occurs before it arrives
and may also include liability for any damage the home does to anything or
anyone else on the way. If you’re hiring a professional moving company, also see
what kind of insurance they have and how it impacts your mobile home through
If you’re moving a home that has already been sitting at
another lot, you may also need coverage to protect yourself in case something
happens to the structure itself. There’s potential for cracks to occur, so make
sure your coverage is inclusive of these scenarios during the move.
Mobile home insurance isn’t just for move-in day. You also need to cover your home before it arrives to your lot.
Once your mobile home arrives, you may also need alternative
coverage while the plumbing and electricity are being finalized. When it’s set
down, you may also need doors and windows to be adjusted since the frame is
sitting on a different lot. Talk candidly with your insurance provider to see
what the worst-case scenarios could be during a move and what coverage you can
expect for each one.
Regardless of whether or not you have experience with
purchasing or moving a mobile home, it’s always smart to acquaint yourself with
the best type of insurance to protect your home every step of the way.
When an unfortunate incident happens and causes damage to
your mobile home, it’s time to file a claim with your insurance provider. If
you work with a specific agent, you can call that person directly. Otherwise,
you can use any other option offered by your insurance company, such as a
general call line, an online submission form, or a mobile app.
Once you report the damage, your insurance company will send
an insurance adjuster to look at the damage and determine whether or not it’s
covered under your policy. If it is, they’ll calculate how much is covered by
In most cases, you’ll have to pay a deductible before the
coverage kicks in. Usually, your deductible is higher if you pick a plan with a
lower premium, and lower if your premium is more expensive. After that amount is
subtracted from the approved repair costs, you’ll get the green light to start fixing
You’ll receive the funds in one of two ways. The first way
is for the insurance company to simply issue a check for the covered amount
(minus your deductible). You can then oversee the repair process as you see
The other way to get your damage fixed is for the insurance
company to pay the contractor directly to perform the covered repairs. In some
cases, your company may even have a network of approved contractors to work
with. Even though you may not get to choose the person you work with, you can
get the work guaranteed for a certain period of time.
Frequently Asked Questions
Does mobile home insurance include hurricanes?
Most standard mobile home policies do not insure damage caused by hurricanes or flood damage. You may be able to add on a deductible specifically for this kind of damage, especially if you live in a state that is prone to frequent hurricanes.
Is a manufactured home the same as a mobile home?
Both manufactured and mobile homes are built off-site, then delivered to the owner’s land. The difference is that a manufactured can’t be moved once it’s placed in its final position. A mobile home, on the other hand, can be moved from place to place. Your insurance policy could be impacted if you plan on moving your mobile home.
Can you buy insurance online?
Most insurance companies allow you to get a free online quote for your mobile home policy. However, you might be required to answer a few follow-up questions with an agent on the phone to confirm certain details about your home.
Can you get an AARP discount?
Some insurance companies partner with AARP to provide mobile homeowners with a discounted insurance rate. If you’re a member, use AARP as your starting point to compare policy coverage and cost to make sure you get the best deal possible.
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