Mobile home insurance isn’t legally required, but you’ll need coverage if you have a loan on your home or want to protect your investment. Since mobile homes have unique risks, carrying this protection in case of extreme weather events also makes sense. Peninsula Underwriters Insurance Agency in Gainesville, FL, can provide advice on coverage options.
Dwelling and Other Structure Coverage
Dwelling coverage helps you recover from structural damage to your mobile home. It typically includes attached structures such as stairs, decks, and porches. Other structure coverage pays to restore or replace unattached sheds and garages damaged by vandalism, windstorms, and fire.
Personal Property Protection
You’ll want to protect your stuff as well as the structure of your home. Electronics, clothing, furniture, and equipment are usually eligible for personal property insurance. You can add this coverage to your existing mobile home policy. Ask your agent for details on whether this coverage would benefit your family.
Liability and Medical Coverage
Did you know that you carry the same liability as single-family homeowners when it comes to accidents that occur on your property? Liability and medical coverage can prevent financial loss in case someone is injured on your property. It also covers damage to personal belongings in a case where you’re held responsible.
Loss of Use (Alternative Living Expense)
If you have to move out of your home, you can receive reimbursement for covered living expenses. While every policy is unique, this option usually handles rent, laundry, and other expenses incurred until you can return to your mobile home.
Contact a Licensed Mobile Home Insurance Agency
Are you still wondering if mobile home insurance is right for you? Peninsula Underwriters Insurance Agency in Gainesville, FL, can provide a quote and answer your burning questions. Contact us today to make an appointment!
