If you’re among the millions of people in the United States residing in a mobile home, you enjoy benefits such as residence affordability and the ability to easily change locations. While your home may not have been built on-site, you still need insurance to protect the property and its contents. Here’s more about mobile home insurance so that you can determine if it’s right for you.

What Is Mobile Home Insurance?

Often grouped with manufactured and modular homes, mobile homes are factory built residences created before June 15, 1976. While mobile home insurance shares numerous similarities with standard home insurance policies, it differs based on the dwelling’s construction. Mobile homes feature significant structural differences than homes built on-site, so insurance companies consider them higher risks.

The lack of foundation and structural durability increases their susceptibility to fire, burst pipes, wind damage, and theft. Mobile homes with aluminum roofs and wooden floors, for example, have a greater risk of fire. As a result, insurance policies for mobile residences often cost more than standard home insurance coverage.

What Does It Cover? 

Mobile home insurance features coverage found in standard policies, as well as protection specific to the structure. It includes content insurance for your home’s belongings, liability insurance if a person sustains an injury in or around your home to which you are found liable and files a claim against you, and property insurance covering structural damage from natural disasters, vandalism, falling objects, burst pipes, and the weight of ice and snow.

Mobile home insurance also covers related structures, such as a detached garage or fence. However, it does not provide flood coverage. You must purchase a separate policy from a Flood Insurance Company if you want flood insurance. 

Get mobile home insurance from Flathead Farm Mutual Insurance Company in Kalispell, MT. The insurance carrier has been serving the Flathead Valley since 1907. The agency processes everything on-site and specializes in property, farm, and home insurance, including coverage for vacation homes. Call a local agent today to talk with an agent about your options, or learn more about their services online.