Why You Need mobile home Insurance

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Spot On Coverage

Some of the mobile homes we help find coverage for:

Mobile Homes
Tiny Homes
Modular Home
Manufactured Home
Container Home

MORTGAGE REQUIREMENT: 

If you have a mortgage on your mobile home, your lender will typically require you to have insurance coverage.  Even without a mortgage, insurance provides vital protection for your mobile home, its contents, liability exposure, medical expenses for others, and loss of use situations.

LIABILITY PROTECTION:

Shield yourself from liability for injuries, property damage, and lawsuits.

MEDICAL EXPENSES FOR OTHERS: 

Ensure coverage for medical expenses for others who may be injured on your property due to a covered incident.                                                                                              

MOBILE HOME PROTECTION:

Safeguards against repair expenses or replacement of your mobile home.                                                                                                                            

There are Five Standard Mobile Home Coverages:

Dwelling Coverage:  

Protects against damage to your mobile home and any attached structures such as decks, porches, and carports.                                                                                                                                                                            

Personal Property Coverage: 

Covers your personal belongings, such as furniture, electronics, clothing, and other valuables, in case of theft, damage, or loss.

Loss of Use Coverage:     

In case your mobile home becomes uninhabitable due to a covered loss, mobile home insurance may cover expenses, such as temporary accommodations and meals, while your mobile home is being repaired or rebuilt, up to your policy’s limits.

Personal Liability Coverage:          

Protects you from claims or lawsuits for damages resulting from bodily injury or property damage, covering legal costs and damages up to your coverage limits.

Medical Coverage: 

Provides coverage for injuries sustained by someone else on your property, regardless of fault, including medical expenses resulting from the injury.

Optional Mobile Home Insurance Coverages:

Personal Injury Coverage:

Covers legal fees and damages from slander or libel lawsuits (something you say/write that damages a person’s reputation or business); false arrest or imprisonment, wrongful eviction, and other related lawsuits against you.

Example: Your neighbor accuses you of spreading false rumors about their business, resulting in a defamation lawsuit. This coverage pays your legal fees.

Valuable Articles Coverage:

Provides protection for high-value items that may exceed the coverage limits of a mobile home insurance policy. This coverage allows you to insure items such as jewelry, art, antiques, or collectibles for their full appraised value.

Example:  Your mobile home is burglarized, and valuable items, including jewelry are stolen. Thanks to your Valuable Articles coverage, you are reimbursed for their appraised value of these items.     

Trip Collision Coverage:    

Offers protection if your mobile home sustains damage while in transit.

Example:  While your mobile home is being moved, it collides with a moving truck during transit.

Potential Savings to Explore:

Insurance discounts can differ depending on the insurance provider you select.  It is important to note that not all carriers offer the same discounts.

Home Safety Discounts:

Safety Features:   If your mobile home is equipped with certain safety features, such as smoke detectors, fire extinguishers, or deadbolt locks, you may be eligible for a discount.

Mobile Home Park:   If your mobile home is in an approved mobile home park, you may qualify for a discount.

New Homeowner Discounts:

Age of Mobile Home:   If your mobile home is new, you may be eligible for a discount.

Policyholder Savings:

Claim Free: If you have not filed a claim on your mobile home insurance policy for three years, you may be eligible for a discount.

Age of Insured:  A discount may be available if you are 50 years or older.

Flexi-Bundle™ & Save:

Flexi-Bundle™ Discount:  Combine up to four insurance products and select from up to four insurance carriers.

Frequently Asked Questions

You have two payment options:

Option 1:  Click the Carrier tab, scroll to locate your carrier. Most carriers accept online payments via check, credit card, or ACH.  Click on your carrier’s name and proceed to make your payment.

Option 2:  Click the Customer Center tab. Scroll down to find the Input1 icon. Input1 offers digital payment options, including ApplePay and eWallet.  Click on the Input1 icon, log in, and make your payment. 

Report The Claim by Phone:

  • Click on the Carrier tab.
  • Locate your insurance carrier.
  • Use the carrier’s claims phone number to report the claim.

Report The Claim Online:

  • Click on the Carrier tab.
  • Use the carrier’s claims website link to report the claim online.

Absolutely. We use secure encryption technology to keep your personal information safe. When it comes to your application, we never pull your data without your approval first. We will also never sell your data to any third party…ever.

If you have questions, you can call, text, email, or live chat with a real expert at Insurish who is standing by to help. No matter how you contact us, we will get back to you immediately. For help, click the Contact Us tab.

We offer insurance solutions for all your personal needs like auto, home, life, health & more. We also offer products for all your business needs, like liability, property, trucks & more. We don’t stop there! We also offer a wide array of car care and safety & security products.

Here are some things to consider if you are deciding whether to file a claim:

  • Was anyone injured?
  • Did you damage someone else’s property?
  • Is it unsafe to live in your mobile home?
  • Are the damages above your deductible?
  • Is the issue related to maintenance or normal wear-and-tear?

If you answered yes to one or more of these questions, you should consider filing a claim. If you have further questions about the claims process, don’t hesitate to contact your insurance carrier directly.

Step 1: Get to Safety:

  • If the mobile home is uninhabitable, relocate to a safe place.
  • Keep track of your living expenses, such as hotel costs and receipts for meals eaten out.

Step 2: Protect and Secure Property

  • Cover or tarp holes in walls and roof.
  • Board up windows and doors to prevent looters.
  • Ensure fire and embers are out and move any property that is at risk of damage.

Step 3: Collect Info

  • Create an inventory list of all lost items and do not throw anything away.
  • Document everything and maintain a claim diary.  Take note of who you spoke to and when, any completed work, and keep business cards from adjusters or contractors.

Step 4: Contact Your Carrier

Your immediate priority is ensuring the safety of yourself and your family.  Contact the police promptly to report the burglary.  When the police arrive, they will compile a report detailing the incident, which is necessary for filing your insurance claim and expediting the process. 

Additionally, create a detailed list of lost or damaged items, along with their estimated values, to provide to your insurance company when you contact them.

Flood damage is typically not covered by a mobile home insurance policy.  To safeguard against flood-related damage, it’s essential to purchase a separate flood insurance policy, which can be obtained through Insurish. 

If you reside in a flood-prone area, obtaining flood insurance should be a priority. Use the FEMA flood map to access the flood risk associated with your address. This information will help you determine whether purchasing flood insurance is advisable to protect your mobile home.

To purchase flood insurance, simply visit the Insurish website and navigate to the Products tab at the top of the home page to get a quote or contact us with any questions.

Step 1: Secure Property

  • Temporarily repair and turn off the water source.
  • Secure valuables to prevent further damage.
  • Unplug electrical appliances near the affected area.

Step 2: Start Remediation

  • Contact a contractor to repair the source of the leak.
  • Begin drying up any visible water and start the mitigation process.

Step 3: Prepare for Claim

  • Keep receipts for any out-of-pocket expenses.
  • Take photos of the damage and refrain from disposing of any damaged items.

Step 4: Contact Your Insurance Carrier

Step 1: Secure Property

Tarp, board up, and protect your condo from further damage.

Clear debris from the area.

Photograph the damage before and after securing it.

Step 2: Continue Securing

Look for any signs of water leaks, wall, or ceiling damage.

Keep receipts for any out-of-pocket expenses incurred.

Step 3: Contact Your Insurance Carrier

A deductible is the portion of covered expenses that you are responsible for paying out of pocket before your insurance coverage begins to apply. 

For example, if your mobile home insurance deductible is $1,000 and you incur $10,000 in damages, the insurance company will cover $9,000, and you would be responsible for paying your $1,000 deductible.

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Please Note:

At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.