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Mobile and Manufactured Home Insurance

Some policies only cover specific causes of loss, that’s particularly true when it comes to physical damage coverage. These named peril policies will give you basic coverage.

Farmers Homeowners insurance for Mobile and Manufactured Homes automatically covers most direct, sudden and accidental perils, and lists the few causes of loss that they don’t cover in the policy. These are sometimes called “comprehensive” policies.

Similarly, liability coverage can vary from policy to policy. Not so much in terms of the type of coverage, but in the amount of coverage. You need to be sure that whatever Mobile Home insurance policy you choose provides enough liability coverage to protect you in the event you are sued and a judgment is made against you. That amount may be $100,000, $200,000 or more – not necessarily what comes “standard” with a Mobile Home insurance policy.

What Does Mobile Home Insurance Cover?

Farmers Standard Coverage:

Property Coverage

Typical Farmers Mobile Home insurance covers most direct, sudden, and accidental physical losses (not specifically excluded in the policy), including:

  • Fire

  • Lightning

  • Explosion

  • Vandalism

  • Landslide

  • Falling Objects

  • Attempted or Actual Burglary or Robbery

  • Water Damage from Bursting Pipes

  • Damage by Wild or Stray Animals

  • Collapse from the Weight of Ice and Snow

  • Wind or Hail Damage

Liability Coverage

Liability insurance covers you if you’re found legally responsible for an accident that causes injury or property damage to someone who doesn’t live in your home. It covers costs like medical bills, lost wages, and property damage.

Other included Mobile Home insurance coverages

  • Additional Living Expenses

  • Trees, Shrubs, Plants, and Lawns

  • Debris Removal

  • Emergency Removal Service and Emergency Repair After a Loss

  • Credit Card and Check Forgery

  • Fire Department Service

  • Food Spoilage

Additional Coverage Options

Agreed Loss Settlement

In the unfortunate event that your home is destroyed by a covered loss, an Agreed Loss Settlement will provide the full amount of insurance that you’ve purchased on your home, minus any applicable deductible.

Optional Replacement Cost

Purchase this option and receive a settlement that reflects the cost to replace the damaged items with new items at today’s prices. In other words, Optional Replacement Cost coverage covers the cost to replace damaged items with new items of comparable material and quality, without any deduction for depreciation.

But wait, there’s more!

With a Farmers Mobile Home insurance policy, you can also choose to include additional coverage options, including:

  • Hobby Farm or Ranch Liability

  • Identity Fraud Expense and Management (with or without credit monitoring)

  • Incidental Business Liability

  • Personal Injury

  • Water Backup from Sewers and Drains

  • Earthquake coverage

  • Trip coverage when moving your home

  • Personal Liability coverage on additional residences

  • Scheduled Personal Property coverage

  • Replacement Cost coverage (mobile home, other structures, and personal belongings)

mobile home insurance
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