Manufactured Home Insurance

Do you need insurance protection for your mobile home? Mobile home insurance is similar to homeowner's insurance, but it's written specifically to meet the needs of owners of mobile homes. Your policy covers your mobile home and its contents and offers personal liability protection. Whatever shape disaster takes -- hail, wind, fire, or theft -- you'll have the coverage to protect your entire mobile home investment.

Mobile home insurance protects you in four basic ways:

• Enables you to repair/replace or get actual cash value for your mobile home usually depending on age.
• Allows you to replace your personal belongings if they are destroyed, stolen or damaged
• Covers injuries that happen to other people or their property while in your home.
• Covers your additional living expenses if you're forced to leave your home because of a claim.

In general, basic policies involve the following: (some coverage may be optional or extra)

• General Protection
• Theft Protection
• Loss of use
• Personal Property Protection
• Liability
• Emergency Removal
• Trip/transport coverage
• Replacement cost

Before purchasing mobile home insurance, consider the following questions:

• What would it cost to replace your mobile home?
• What would it cost to replace the contents of your mobile home?
• Do you have an inventory and photographs of your personal possessions?
• What kind of protection do you have against liability claims?
• Do you have items that should be insured with special coverage such as jewelry, cameras, collectibles etc.
• Does your mobile home have a fire extinguisher, deadbolt locks or other money-saving safety features?