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What does a manufactured home insurance policy cover?

Coverage for the structure of your home.

Your mobile home policy protects your manufactured home and adjacent structures (structures you own that are on the same piece of land as the home but are not attached to it, such as a shed or detached garage) from all forms of loss unless they are specifically excluded in the policy.

Coverage is provided for a wide range of perils, including but not limited to fire, windstorm damage, damage from falling objects, lightning, explosion, and more. In most cases a regular manufactured home policy will not cover your home while it is in transit.

Protection for your personal effects.

Your policy also includes protection against a wide range of perils for your personal property, whether it is inside the home or in an adjacent structure such as a shed. Personal property coverage also applies while your property is away from your home, but with a lower maximum limit and a smaller range of perils insured against.

Personal liability protection.

Accidents can happen, and if you unintentionally cause bodily injury or property damage to someone who doesn't live in your home you could be faced with large out of pocket expenses due to court costs or damages. Your policy can pay for the medical expenses of someone who does not live in your home in addition to the damages or defense costs due to a covered accidental circumstance.