Mobile Home Insurance Coverage Options:
Mobile Home Insurance Comprehensive Protection – Your policy covers any cause of loss (fire, lighting, wind, hail, explosion, burst water pipes, and so on) unless that cause is specifically excluded in the policy documents.
Mobile Home Insurance Stated value loss settlement – For a total loss, settle at the state value of your home which is listed on your policy. There is no depreciation deduction. For a partial loss, paid the actual cash value of the loss, but you can upgrade that to a replacement cost valuation.
Mobile Home Insurance Liability – You are covered if an injury occurs to someone while on the premises, or if you accidentally injure someone or damage property away from your home.
Mobile Home Insurance Personal property – Your personal belongings are protected on an actual cash value basis if the home suffers a covered loss.