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What you need to know about mobile home insurance.

If you own a mobile or manufactured home, then you need insurance just like a traditional homeowner would.  However, standard homeowners insurance in Ventura, California, is not designed with mobile homes in mind.  Fortunately, many insurance providers offer mobile home insurance to meet your unique needs.  Here’s what you need to know about this specialty form of coverage.

What is Mobile Home Insurance?

As the name suggests, mobile home insurance is coverage that is specifically designed to meet the dwelling, personal property, and liability coverage needs of a mobile homeowner.  These policies typically offer the same coverage as a standard home policy with come added insurance options that only apply to mobile homes.

Mobile Home Insurance Coverages

Mobile home insurance can be broken down into four main coverages:

  1. Dwelling/Physical Damage Coverage– This portion of your mobile home insurance will cover the damages that your home sustains as a result of fires, storms, natural disasters, and other covered perils. Like standard home policies, mobile home insurance will not offer coverage for flood or earthquake-related damages.  Flood and earthquake coverage can be secured as separate policies.
  2. Liability Coverage– This portion of your mobile home insurance will compensate third-parties that sustain injuries or property damages that you are responsible for. Not only will this coverage pay for their medical treatment and/or repairs, but it will also offer you coverage in the event that the affected party decides to sue.
  3. Personal Property Coverage– This portion of your mobile home insurance offers coverage for the personal belongings that are stolen, damaged, or otherwise lost due to a covered peril. This form of coverage will help you pay to repair or replace your possessions when necessary.
  4. Mobile-Specific Coverage– Your mobile home insurance policy will likely include some special coverages not seen with traditional home insurance. For instance, because your home can be moved to different locations, your policy might offer trip collision coverage that will protect your mobile home while it’s on the move.

This is what you need to know about mobile home coverage.  Do you have additional questions about your homeowners insurance in Ventura, California?  If so, then contact the experts at John E. Peakes Insurance Agency.  We are ready to assist you today.

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