Mobile Home Insurance

Do you own a mobile home? Are you considering purchasing one? If so, you will need insurance protection for it. The Providence Insurance Agency in Arkansas can provide the policy you need for your home.

Mobile home insurance can also be called manufactured home insurance. It is like homeowner's insurance in that it provides monetary protection if your home is damaged or destroyed. It is not required by law, but mortgage companies and mobile home communities will require that homeowners have this coverage.

What will mobile insurance cover?

As stated, mobile home insurance is very similar to standard homeowners’ policies. It protects the home and personal possessions and includes liability protection.

Dwelling coverage will help pay to rebuild or repair the home's physical structure if that damaging event is covered. For example, if a wall of your mobile home collapses due to fire, it would be covered under the dwelling coverage. Your roof and a deck, if attached, would also be covered under dwelling coverage.

Personal property, whether it is damaged or stolen, would be covered. If someone breaks into your home and steals your computer, you would be covered. Keep in mind that you will need to pay a deductible to make a claim.

Liability coverage protects you if someone is injured on your property. If your neighbor slips and falls on your sidewalk, you could be held liable. Your insurance company would cover legal defense fees and pay the damages if you are found to be responsible. The insurance company would offer financial protection only up to the limit as outlined in your policy.

Mobile home insurance includes coverage for structures not attached to your home, such as a garage or tool shed.

If your mobile home is uninhabitable due to covered loss, this coverage will provide you with funds for additional expenses such as meals while living in a hotel, motel, etc.

Providence Insurance Agency in Arkansas can help you get the coverage you need for your mobile home. Contact our team to get a no-obligation quote for your coverage.