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Mobile Home
Insurance
Motor home insurance combines the features of auto and home insurance. Give us a call to get details!
Mobile home insurance is a type of homeowners insurance in that it is for homes that are usually built off site and are brought in as one piece or multiple pieces. Mobile homes can also be built on a vehicle chassis and are known as manufactured homes as well. While coverage can vary from company to company, most not only cover the structure but also personal property, loss of use, personal liability and medical payments to others.
Most homeowner’s insurance policies have a deductible that will have to be met before the policy can afford coverage. Florida is unique since most policies carry a separate Hurricane deductible or in some cases a Wind and Hail deductible. The Hurricane or Wind/Hail deductible is usually based on a percentage of the dwelling value on the policy, like 2% or it can be a flat dollar amount. The all other peril deductible applies for all other losses covered by the policy and is usually a flat dollar amount such as $1000. A limited number of policies provide Sinkhole coverage and can be either based on your all other peril deductible or a percentage of your dwelling value on the policy like the hurricane deductible.
Mobile home insurance can come in two different forms for the dwelling; actual cash value/depreciated value and replacement cost. A mobile home is different from a regular home in that the construction can be different from a site built home and has a higher likelihood of depreciating quicker than a normal home.
Your policy can usually be broken down into 6 parts.
Dwelling or Coverage A
Covers the mobile home structure.
Personal Property or Coverage C
Coverage for your personal possessions in the event of loss or damage.
Examples: Furniture, clothing, linens and dishes
Additional Living Expenses or Coverage D
Pays necessary living expenses while your home is being repaired.
Example: Hotel costs if your home is uninhabitable due to a covered loss while being repaired
Personal Liability or Coverage E
Coverage for claims filed against you as a result of accidental injuries to others and/or unintended property damage.
Example: You accidentally hit your friend with a golf ball on a sweet drive.
Medical Payments or Coverage F
Pays for actual medical expenses including accidental injuries to others.
Example: Your friend falls down not due to your negligence in your home.
*not all companies use this contract form but most are based on this standard form.
