Mobile Home Insurance

Obtaining coverage specific to your mobile home is essential. A standard homeowners insurance policy does not provide all the coverages you require for a mobile home.

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Mobile Home Insurance Basics

A mobile home insurance policy will provide coverage for your home and property such as the following:

Coverage for your actual mobile home and any adjacent structures that are on your premises (attached patio, deck, skirting, shed, etc.). This protects against losses such as fire, windstorm damage, and damage from falling objects, lightning and explosions and other losses that can occur.
Personal property protection: Covers losses for contents and removable property such as electronic equipment, bicycles, furniture and clothing, etc.
Personal liability protection: Covers losses in the event that someone or something is injured due to your personal negligence. Policy pays for medical expenses for non-residents of your home, compensatory damages and defence costs as a result of covered accidental incidents.
Protection for improvements and upgrades made to the home.
Loss of use of your mobile home.Additional Endorsements

Additional Endorsements

For added protection, the following coverages are usually either included or available:

Emergency Removal

This policy pays for you to move your mobile home if an oncoming disaster (e.g. fire, tornado) threatens your home and safety.

Worldwide Coverage

Protection for your personal belongings if they are lost, stolen or damaged when travelling.

Fire Department Charges

Provides reimbursement for charges incurred if your mobile home is located in an area that is not serviced by a fire department and a neighbouring fire department is called out.

Extended Coverage

Used for valuables, such as jewellery, furs, heirlooms and electronics.

Sewer Backup

Provides coverage for damage resulting from sewer backups.

Top Ways to on Mobile Home Insurance Save:

Some companies will provide a multi-policy discount on your premiums if they carry your automobile and mobile home coverage.

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