What Does Mobile Home Insurance Cover?

Proper insurance for your mobile or manufactured home keeps you financially prepared for life’s surprises. For instance, if your roof leaks after a storm or if a fire damages your home, mobile home insurance may help cover repair costs and replace your cherished belongings.

What Is Mobile Home Insurance?

Mobile home insurance, or HO-7 insurance, is a financial product targeted towards owners of manufactured or mobile homes. It works similarly to traditional homeowners insurance but considers the unique characteristics of mobile homes, such as their construction and mobility. It’s an essential safeguard against accidents, theft and other events that could damage your property or result in economic loss.

What Does Mobile Home Insurance Cover?

A standard mobile home insurance policy may include the following coverage:

• Dwelling coverage may cover the structure of your mobile home, including walls, roof and windows, from damage caused by fire, windstorms or other covered incidents.

• Personal property coverage may reimburse the cost of replacing personal belongings that were damaged or stolen.

• Liability coverage may cover medical and legal expenses if someone is injured on your property or you cause damage to other people’s property.

• Additional living expenses may pay for lodgings, meals and other temporary living costs if your mobile home becomes uninhabitable due to a covered event.

Optional policies like flood or earthquake coverage—perils not usually covered in standard policies—may also be available depending on your location and needs. Consult an insurance expert from Mann & Gray Insurance to help determine the best types of coverage for your situation.

Secure a Policy Today

At Mann & Gray Insurance, we specialize in custom mobile home insurance solutions that fit your lifestyle and budget. Contact us today to receive a mobile home insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.