In many respects, mobile or manufactured homes are much like any other houses, but they are exposed to significantly higher risks than traditional structures. Because fire, storms, and other threats can cause such significant damage to a mobile home, insurance companies offer policies specifically designed to protect the assets of those who live in manufactured housing. Below are some of the most important protections a mobile home insurance policy provides.

5 Threats Covered by Mobile Home Insurance

1. Structural Damage Coverage

If your mobile home is damaged by a fire, tornado, or acts of vandalism, your insurance policy will cover the cost of repairing or replacing the structure. To ensure you have the coverage you need, be sure to choose a policy that includes enough coverage to purchase another home in the event of a complete loss.

2. Personal Property Coverage

Like a homeowners policy, mobile home insurance also covers the value of your personal belongings. If your possessions are stolen or ruined in a covered event, your policy will reimburse you for the cost or pay to have them repaired.

3. Liability Coverage

If a visitor stumbles on the steps or your dog bites a neighbor, the resulting lawsuit can destroy your financial future. The liability coverage included in the standard mobile home policy will cover the cost of valid claims, as well as any legal expenses you might incur.

4. Coverage for Other Structures

In addition to the mobile home itself, you may have additional structures on the property, such as a tool shed, detached garage, or fencing. Mobile home insurance usually extends coverage to these structures, as well, allowing you to fully recover from a disaster.

5. Payment for Alternative Living Arrangements

If your mobile home is too badly damaged to live in during repairs, will you be able to afford to stay in a hotel or pay for a short-term rental? The standard mobile home insurance policy will cover these expenses for you, including a per diem for food and other incidentals.

With the backing of one of the industry’s leading carriers and the experience to help you find a policy tailored to your needs, David R Johnson Insurance Agency Inc. provides valuable protection to mobile home owners throughout Beech Grove, IN. After carefully evaluating your situation, their agents will find the best State Farm® policy for you. Visit their website for more on their wide range of insurance products, get more tips on Twitter, or call (317) 782-8858 now to request a free quote.