Manufactured and mobile homes have unique risks, and they require a dedicated insurance policy to adequately address them. A standard mobile home policy can offer the following:

• Dwelling coverage: This can cover damage to your home’s structure caused by fire, certain natural disasters, theft or vandalism.
• Personal property coverage: This can help pay for the repair or replacement of your personal belongings if they are damaged by a covered risk.
• Personal liability coverage: This can cover related expenses if you’re held liable for third-party property damage or bodily injuries.
• Additional living expenses coverage: This can help with your meals and temporary housing if you must move out of your mobile home due to a covered loss.

Optional add-ons may include trip collision coverage if you plan to move your home, as well as coverage for attached structures such as carports or decks.

Why Does a Specialized Policy Matter?

Mobile homes are built differently from site-built homes, and standard homeowners' policies may be written around traditional construction. A specialized policy can account for the way manufactured homes are attached to the ground, the materials used in their frames and their vulnerability in high-wind conditions.

How Much Does a Policy Cost?

Premiums may vary based on the age and size of your home, its location, your claims history, the coverage limits you select and your deductible. Newer homes in lower-risk areas may carry lower premiums. Bundling your mobile home policy with auto or other coverage lines can help you lower your rate.

Contact AAAA Insurance to review your options and request a quote.