Mobile Home Insurance: Things to consider

What is mobile home insurance? Mobile home insurance typically doesn’t qualify for traditional home owner’s insurance, therefore, you’ll need separate mobile home insurance.

Both mobile homes and modular homes are built in a factory but the difference between the two can affect your insurance choices. Mobile homes usually rest on a moveable chassis and are a single level. Modular homes can have more than one level and sit on a foundation. Some insurance companies will insure modular homes with a traditional home owners policy.

Why do you need mobile home insurance? It is really all about protecting yourself financially if something unexpected happens to your mobile home or possessions. That's important because chances are your mobile home is likely one of your largest investments. Mobile home insurance typically includes coverage for physical damage coverage, personal property coverage, and liability insurance.

  • If your mobile home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your mobile home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

It is important to know that mobile home insurance is meant to cover unexpected damage, not routine maintenance. Ask your Kimiko-Zoellner AAA agent about what is covered and be sure to read your policy so you know exactly what's included and what is not. Here are few things to discuss with your agent that will influence your decisions:

  • How much will it cost to rebuild and replace my belongings if they are damaged or destroyed?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)