Your mobile home in Gainesville, FL, can enjoy the same level of coverage as many single-family homes when you opt for mobile home coverage from Peninsula Underwriters Insurance Agency. Similar to an HO-1 or HO-2 policy, mobile home coverage provides named peril coverage, meaning it only covers the perils explicitly listed in the policy documents.
Perils Covered Under Mobile Home HO-7
Each type of home insurance carries an HO designation. For mobile homes, it’s HO-7, which covers 11 common perils, the same ones covered under HO-1 coverage, the basic level of insurance for a single-family home. A typical mobile home policy covers the following perils:
- Accidental discharge or overflow of water or steam
- Damage caused by another person’s vehicle
- Falling objects
- Fire or lightning
- Frozen plumbing
- Rioting
- Smoke damage
- Theft
- Vandalism
- Weight of ice, sleet, or snow
- Windstorm or hail
If a peril is not listed among the named perils in the policy documents, it is not covered by the policy.
Mobile home coverage related to these perils includes insurance for the mobile home’s physical structure, other structures on the property, such as a deck or porch, and your personal belongings. Some policies also include additional living expenses coverage, which pays for your hotel and daily expenses if you must temporarily move out of your home while it undergoes repairs due to damage from a named peril. Although unrelated to named perils, these policies also include coverage for personal liability and medical payments.
Contact Us Today
Reach out to Peninsula Underwriters Insurance Agency today to secure your mobile home policy. Let us help you protect your Gainesville, FL, home investment. Ask us how to schedule coverage to protect items from perils not named in the policy.
