Mobile Home Insurance

mobile home insurance

Although mobile homes share many characteristics of dwellings, they also have unique exposures: high susceptibility to wind and fire damage and exposure to loss by collision or upset while the unit is being transported. The dwelling policy can be used to provide property coverage for mobile homes, but only the basic form can be used and only mobile homes permanently placed on foundations are eligible. The HO-4 forms (also known as Renter’s Insurance) can be used to cover the contents of a mobile home but not to mobile home itself.

Many companies and rating organizations have developed a separate mobile home package policy. In addition, ISO (Insurance Services Office) has developed a mobile homeowners endorsement that can be attached to an HO-2 (Broad Form Homeowner Policy) or HO-3 (Special Form Homeowner Policy) to modify coverage for mobile homeowners. Coverage is provided for:

1. The mobile home and all equipment and accessories originally built into the unit.

2. Equipment, additions and appurtenant structures not originally included with the unit, such as shelters, cabanas, awnings, carports, and water pumps.

3. Additional living expenses.

Damage to the mobile home from collision or upset while it is in transit is available as an optional coverage. Up to 10% of the coverage on the mobile home can be extended to cover other structures.

Liability coverage is similar to Section II of the homeowners policy. Available discounts are also offered for alarm systems, fire prevention, sprinkler systems, and tie-downs.

If you have a mobile home, give us a call at 860 684 2721 or visit our website for a quote.

Protecting YOU is our Job

Penny Hanley & Howley Insurance


12 thoughts on “Mobile Home Insurance

  1. Pingback: Mobile Home Insurance « PHH Insurance Blog | Investing

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