A mobile home insurance policy caters to the specific needs of owners of such. The coverage provided by this policy is similar to that of the regular homeowner's policy. However, it is specifically designed to meet the specific needs of the policy holder.
Besides the mobile home, coverage also includes personal property and personal liability. Unless specifically excluded in the policy, your policy will cover your home and adjacent structures from all forms of loss. Coverage includes, without limitation, loss or damage by fire, windstorm damage, damage from falling objects, lightning, explosion, and more. Generally the policy will not cover a mobile home while it is in transit.
This policy includes protection against a wide range of perils for your personal property, whether it is inside the property or in an adjacent structure. If anyone who does not stay in your home suffers bodily injury or damage due to your home, the policy will pay for the expenses. Insurance companies charge higher premiums on this type of insurance. The reason is that compared to a regular permanent home, mobile homes are more prone to extensive damages for the same hazards.
There are two types of coverage provided by this policy - Physical damage coverage for damage to the home including all portions and liability coverage for damage to the home including all portions. Understanding the benefits of your policy is very important. To decide if your policy offers you the coverage you need, you must know what is covered and what is excluded.
A prospective mobile home insurance policy buyer should opt for Comprehensive Home Insurance Policies that provide cover for all hazards irrespective of the cause. Some insurance companies do not offer this policy in all states.
Use online quote sites to compare quotes. Most sites will provide you with a free no obligation quote. The free no obligation quote will help you immensely.
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