Mobile homes are like any other single-family home. However, they are built in factories and moved to a location but operate the same way as any other type of site-built family unit.
Whether you live in your mobile home full-time or seasonally, protecting it with adequate insurance coverage is crucial. Like other types of home insurance policies, mobile home insurance provides financial security in case your mobile home is damaged. However, most homeowners don’t understand how mobile home insurance works or what it covers.
This blog will discuss mobile home insurance policies in detail. Keep reading to learn more.
What does a Mobile Home Insurance Policy Cover?
The precise coverage that a mobile home insurance policy offers depends on the type of policy you invest in. However, typical coverage includes your home, belongings, and liability coverage. Likewise, policies might vary according to their prices. Therefore, comparing prices and looking at multiple quotes is the best way to go about buying a mobile home insurance policy.
The different parts of a comprehensive mobile home insurance policy are discussed below.
Dwelling Coverage
This covers the cost of repair and replacement in your mobile home. It covers the entire cost as much as your coverage limit allows and pays for all the damages caused by fire, theft, or other mishaps. In addition to mobile home structure, this also covers:
- Attached structures
- Steps
- Oil or gas drums
- Tanks
- Materials and supplies
- Wall-to-wall carpeting
- Other structures detached from the home, like a fence
Personal Property Coverage
This covers the cost of any personal items and belongings that have been damaged or stolen. You can buy extra coverage if you have several high-value items.
Personal Liability Coverage
This covers the legal costs, in case a guest visiting your mobile home sues you for property damage or physical injury. It will also cover their medical costs in case they incur a physical injury.
Medical Payment Coverage
This pays for the medical expenses of people injured in your mobile home, irrespective of who’s at fault. It is commonly used for minor injuries.
If you are looking for a leading insurance service provider in San Angelo, Texas, to invest in mobile home insurance, we have got your back. San Angelo’s Insurance & Fast Tax Office has been in the industry for almost 15 years and has a team of insurance experts at your service.
Visit their website or contact them today to learn more.
