What Does Manufactured Home Insurance Cover?

Manufactured home insurance, or mobile home insurance, in Altamonte Springs, FL isn’t much different than regular home insurance in terms of what is covered. It’s important to protect your mobile home with insurance, whether you live there full time or only during certain seasons.

Structure and Contents

If your manufactured home is damaged due to fire, hail, theft, or vandalism, the cost to repair or replace the home is covered by your insurance. Additional structures, such as a patio or garage, and the belongings in your home are also covered. Belongings can include furniture, bicycles, and more. These items will also be protected when outside the home. Be sure to check with an agent to see what types of perils are covered, so you know if your home is protected from potential damage. While flooding is likely to not be covered, certain water leaks may be covered. If a pipe suddenly bursts because it was frozen, it may be covered, but if a pipe breaks due to poor maintenance, it won’t be covered.

Liability

Manufactured home insurance contains liability coverage to protect you if you or someone in the household is found liable for damage to someone else’s property, or if a guest is injured at the home. This insurance will pay for medical expenses for people injured at the home, but won’t pay for your own medical expenses if you fall down the stairs.

There are other additional coverage options, should you want them, which you can discuss with your agent at Blanchard Insurance. For example, you can get trip collision coverage that will help insure your home as it is being transported from the factory to its location. You can also get extended coverage for some of your belongings, including jewelry, watches, and furs. If you have a satellite dish on your home, you can get insurance that pays for the loss to the satellite dish and other systems.

Contact Blanchard Insurance serving Altamonte Springs, FL for a quote on manufactured home insurance.