What to Look For in a Mobile Home Insurance Policy
A mobile home insurance policy - like all property/casualty policies - should do two things:
- It should pay for certain kinds of accidental damage to your home, belongings, or other structures. Coverage for this kind of damage is called physical damage coverage. Common examples of events that cause physical damage to your property include fire, wind, vandalism, and falling objects.
- It should protect you against claims or lawsuits filed against you by people who are accidentally hurt by your actions or because of your activities. Coverage for these kinds of claims and lawsuits is called liability coverage. Claims might include medical expenses, lost wages, pain and suffering, and even property damage. Liability coverage should also help you pay for your defense in the event of a lawsuit. Liability coverage does not pay claims for injuries to you or the members of your household.
The carrier we will place your Mobil Home coverage with has an A. M. Bests "A" rating and over 50 years experience in insuring mobile homes.