What Do I Need In A Mobile Home Insurance?

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May 12th, 2008

Those who own mobile homes need insurance that is a little different from those who own traditional houses. Knowing what you need in a mobile home insurance policy will help you choose a provider that offers the right protection.

1. You Need Mobile Home Insurance That Protects Your Property

Like most homeowner’s insurance policies, your mobile home insurance policy should protect you from financial loss if any of the buildings on your property are damaged by fire, wind, storms, hail and many other events. This includes structures like sheds and garages, as well as your mobile home. Most policies, however, do not include damage caused by floods or earthquakes.

2. You Need Mobile Home Insurance That Protects Your Belongings

Your mobile home insurance policy should also cover any belongings that you keep on the property. If someone breaks into your home and steals several thousands of dollars worth of your property, then you will be able to recover some of the replacement cost.

Your insurance policy should also pay for any belongings damaged by storms, hail and many similar events. Keeping records of all of your major purchases will help you collect the money you deserve if your belongings are stolen or broken.

3. You Need Mobile Home Insurance With Liability Protection

Mobile home owners also need insurance that protects them from liability if someone gets hurt on their property. While you might think that no one is going to be injured in your home, you never know what will happen.

For instance, someone walking across your property could step in a hole and break an ankle. You might not even know they are on your land.

You might also think that someone who gets hurt in your home will not be able to win a lawsuit against you. Even if you win the case, you can be responsible for thousands of dollars in court and lawyer fees. Liability coverage protects you against these expenses so you do not have to worry about them.

Other Insurance for Your Mobile Home

A standard insurance policy for your mobile home will protect you from most financial loss. However, you should consider additional policies to supplements gaps in coverage.

Consider, for instance, how you will be able to pay for water damage in the event of a flood. Since most mobile home policies do not cover damage caused by flooding, you will be responsible for the repairs. Purchasing additional flood insurance, however, can protect you. The same is also true of earthquakes and other events that are typically not part of a standard mobile home insurance policy.

Mobile home insurance covers damage caused by storms, hail, fire, wind and many other events.
Mobile home insurance covers any of your belongings that are stolen or damaged by catastrophic events included in your policy.
Liability protection pays for legal fees if someone who gets hurt on your property.
Additional insurance policies can protect you from financial loss caused by earthquakes, floods and other events that are not covered in standard policies.