Liveoak Agency, Inc. can help you keep your family, assets, and home protected with a comprehensive Mobile Home Insurance Policy. Our expert team of agents can design a policy that offers additional coverage for the unique circumstances that come with owning a mobile home.
What Is Mobile Home Insurance?
Mobile homes, manufactured homes, and modular homes all qualify for coverage under a mobile home insurance policy. A comprehensive mobile home insurance policy from Liveoak Agency, Inc. protects against physical damage to your home, your property, and personal belongings – as long as the cause of the damage is not specifically excluded in the policy.
What Does Mobile Home Insurance Cover?
Structural Damage
Common covered incidents can include:
Fire and/or Smoke
Wind
Hail Storm
Lighting
Falling Objects
Explosion
Theft and/or Vandalism
Personal Property
Mobile home insurance also helps protect your personal property. This can include detached or adjacent structures on your property, such as the patio, shed, or garage, as well as personal belongings, such as furnishings or appliances. Coverage also includes assistance with living expenses should your home become temporarily uninhabitable as the result of a covered event.
Liability Protection
Even a single accident can result in a lawsuit that can ruin you financially. General liability insurance protects against third-party personal injury claims and/or damage to a third party’s property up to the coverage limits set by the policy. The most common types of liability claims are dog bites and fallen trees, but general liability insurance can cover:
- Assistance to repair or replace another person’s property damaged by you or a member of your family
- Payments to cover a third party’s medical bills, lost wages, or funeral costs
- Injury caused by potential dangers on your property for which you are legally liable, such as trampolines and swimming pools
- Protection against claims of slander or libel
- Attorney fees, court costs, and settlements
Other Coverage Options
Trip Coverage
As the name implies, mobile homes are mobile. These dwellings are manufactured in factories and delivered upon purchase. At any point after purchase, you can transfer your home to a different location. But, before moving your home, consider adding Trip Coverage to your mobile home insurance policy. For an additional premium, trip coverage provides insurance protection for your home while it is in transit. Coverage for relocating your home is ordinarily not included in basic policies, and to be valid it must be purchased prior to moving your home. Collision insurance will also cover your home as it is moved.
Broad Form Insurance
As with most types of insurance, you can design your mobile home insurance policy to cover more than the standard comprehensive policy. Broad Form Insurance can include atypical or excluded events not normally covered. This type of extended insurance will most likely require a higher premium payment and frequently an additional deductible.
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