The Right Coverage for Your Mobile Home

Whether you use your mobile home as a vacation spot, a rental property or a primary residence, you need homeowner’s insurance specifically designed for its needs. Typical structures covered are mobile, manufactured or modular homes situated in a mobile home park or on another property, as well as sheds, garages or other structures that you own and include on the policy.

Mobile home insurance covers damage to your home and its contents from events such as fire, wind, hail, theft, vandalism, broken pipes and other perils as named in your policy. If your home is rendered uninhabitable from a covered loss, you might also be insured for alternative housing and living expenses while your insured property is being restored.

If you wish to cover sewage or drain backups, your Trusted Choice^® Independent Insurance Agent can advise you on how to add that to your mobile homeowners insurance policy. You might also be able to cover your home while it is being moved to a different location. Flood insurance and earthquake insurance are also options.

Beyond your structures and your personal belongings, your mobile home insurance policy provides liability coverage in case someone is injured on your property and you are liable for it. This liability insurance may help pay for your legal expenses and judgments against you for the incident. Personal umbrella policies, which extend your limits of liability coverage, may also be available.

There are other important enhancements your agent will help you understand and consider, such as debris removal and secondary-residence coverage. If you use your mobile home as a rental unit — whether for temporary vacation stays or semi-permanent residential living — your agent can help you get the right coverage so your structure and your financial liability are properly insured.

We are always happy to help with any questions you may have. Please give us a call or visit us online. 616.755.3000 | 231.755.3000

Jennifer Burnett
The MIX