While most mobile home insurance policies provide two basic kinds of coverage, the amount and degree of coverage can vary dramatically from one policy to another. For this reason, it’s important to compare policies before buying. Something that might seem like a bargain can wind up costing you hundreds, or even thousands of dollars in the event of a claim.
This is particularly true when it comes to mobile home physical damage coverage. Some policies only cover specific causes of loss. These named peril policies will give you a basic form of coverage.
We offer mobile home insurance policies that automatically cover most direct, sudden and accidental perils, and specifically list the few causes of loss that that aren’t covered in the policy, or what are known as “comprehensive” policies.
Mobile home liability coverage can also vary from policy to policy, not so much in terms of what is covered as in the amount of coverage. Whatever mobile home insurance policy you choose, you want to make certain that it provides enough liability coverage to protect you in the event you are sued and a judgment is made against you. That amount may be $100,000, $200,000 or more – an above what comes “standard” with some mobile home insurance policies.
We offer homeowners insurance policies that are designed specifically for mobile home owners. These comprehensive coverage policies cover most direct, sudden and accidental perils. Our mobile home insurance policies also include both comprehensive damage protection and liability coverage. We also can offer coverage for mobile homes you rent out to others or that you or a tenant are using for business purposes.
We’d be happy to help you find the mobile home insurance plan and options that meet your individual needs and budget, so please feel free to give us a call at (401) 821-7330 or send an e-mail request for more information.
Learn more about other residential insurance products we offer, including: