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Mobile Home Insurance: What it Covers and Why You Need It

Mobile Home Insurance

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Mobile or manufactured homes are affordable housing options for many people. As a mobile homeowner, it’s essential to understand the unique risks of this type of dwelling and ensure that your property investment is well protected with the right insurance coverage. Mobile home insurance is specifically designed to cover the unique features of a mobile home and can provide comprehensive protection against various risks that may arise. 

This blog will discuss what mobile home insurance covers and why it’s essential today.

What Does Mobile Home Insurance Cover?

Mobile home insurance is similar to a traditional homeowner’s insurance policy but specifically tailored to cater to mobile homes’ unique risks and requirements. Some of the primary coverages that are typically included in a mobile home insurance policy are:

1. Property Coverage

This type protects your mobile home and any attached structures, including a deck or porch, against damage or loss caused by various perils. Common perils covered under property coverage include fire, windstorms, hail, vandalism, and theft. 

It is important to note that specific perils, like floods and earthquakes, may not be fully covered under a standard mobile home insurance policy and may require additional coverage.

2. Personal Property Coverage

This coverage helps safeguard your personal belongings in the circumstances of damage or theft. This includes items such as furniture, electronics, clothing, and appliances. 

It is vital to properly assess the value of your belongings so that you can select an adequate coverage limit to replace your items in the event of a loss.

3. Liability Coverage

Liability coverage is essential for financially protecting yourself in case someone gets injured on your property or if you are legally responsible for causing damage to someone else’s property. 

This coverage can cover medical expenses, legal fees, and other costs related to a liability claim.

4. Additional Living Expenses (ALE) Coverage

Suppose your mobile home becomes uninhabitable due to a covered peril. In that case, ALE coverage can help pay for temporary living arrangements, such as hotel expenses, while your home is being repaired or replaced.

5. Optional Coverages

Add optional coverages to your mobile home insurance policy depending on your needs. Some of the common optional coverages include:

  • Replacement Cost Coverage: This coverage reimburses your mobile home and personal property at their current market value without accounting for depreciation.
  • Water Backup Coverage: This coverage can protect your mobile home from damage caused by water backup from sewers, drains, or sump pumps.
  • Trip Collision Coverage: If you plan to move your mobile home, this coverage can protect against damage that may occur during transit.

Why Do You Need Mobile Home Insurance?

There are several key reasons why mobile home insurance is essential for protecting your investment and ensuring your peace of mind:

1. Financial Protection: Mobile homes are susceptible to various risks, such as natural disasters, theft, and vandalism. With proper insurance coverage, you can handle significant out-of-pocket expenses to repair or replace your home and belongings after an unfortunate event.

2. Legal Requirements: If you have a mortgage on your mobile home, your lender may request you to carry a certain amount of insurance coverage to protect your investment. Additionally, some states may have specific insurance requirements for mobile homes.

3. Liability Protection: Accidents can happen, and without liability coverage, you may be financially responsible for any injuries or property damage on your property. Liability coverage can help protect your assets and provide financial support in case of a lawsuit.


Mobile home insurance is essential for protecting your investment and ensuring your peace of mind. By understanding the types of coverage available, considering any additional coverage choices that may be relevant to your situation, and shopping around for the best policy, you can ensure that you have the proper protection in place for your mobile home. Remember to periodically review and update your policy as needed to account for changes in your circumstances or the value of your property. 

The Bassine Insurance Agency is a highly reliable and comprehensive provider of various insurance products, catering to the diverse needs of its clients. With a vast array of offerings, such as life, health, auto, business, and mobile home insurance in Fort Myers, our agency is committed to delivering personalized solutions to protect individuals’ and businesses’ valuable assets and well-being. To discuss your specific insurance requirements, do not hesitate to contact us and allow our expertise to benefit you and your loved ones.

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