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Types of Mobile Home Coverage

In the past, insurance companies only protected homes from fire, but slowly, homeowners as well as companies recognized other types of perils, such as theft and property damage by other means. Today, there is a variety of types of coverage that insurance companies can provide, and mobile homes are not the exception. Take a look at the following types of coverage for mobile home insurance policies.

Personal property coverage protects you in the event that any of your possessions are stolen from your mobile home. A good idea is to make a list of your personal belongings and their respective value, since in the event of a claim; such a list will be helpful. There is also the personal liability coverage, which protects you against a claim or lawsuit that results from bodily injury or property damage to others. This applies for non-auto accidents on and off your property if the injury or damage is your fault, is caused by a member of your family, or is caused by your pet.

Medical payments coverage consists in the payment of medical expenses for injuries to other people that occur on your property. It also applies to injuries caused to others by you, a family member, or your pet, whether the situation occurs on your property or not. This payment is made regardless of fault.

A fire and extended coverage policy provides coverage for fire and similar perils, such as explosions, smoke damage, and windstorms. This kind of policy does not automatically cover theft, personal liability, the contents of your mobile home, or other extra coverage. Nevertheless, you can buy additional insurance to include the mentioned coverage.

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