When you own a mobile home, it is important to ensure that your coverage or policy limit is enough to replace your unit, as well as rebuild any structures attached to it in the event of a total loss. You should also take into account the additional costs of debris removal, transportation, taxes, setup and skirting and/or foundation. Most mobile home packages are restricted to units less than 25 years old and well maintained, and will cover your contents for full replacement cost as well. It is also important to ensure that your contents limits are sufficient to cover any antiques or valuables you may have.

Your premium will be based on the type of primary and auxiliary heating in your home, if any. Wood burning units and their chimneys are of special concern, especially with respect to installation, approval labeling and maintenance. You may be required to have the unit inspected by a Certified Wood Heat Technician to ensure that it meets current building codes and is safe for you and your family. Standard Form coverage for mobile homes is the most common, and usually protects you against:

• Fire, Lightning, and Explosion;
• Smoke;
• Falling Object;
• Impact by Aircraft or Land Vehicle;
• Riot;
• Vandalism or Malicious Acts;
• Water Escape/Rupture/Freezing;
• Windstorm or Hail;
• Glass Breakage;
• Transportation;
• Theft;
• Sewer or Private Drain Backup; and
• Electric Damage or Bursting of Fuel Tanks.

Comprehensive coverage, however, is ‘all risk’ coverage on both the building and its contents, though there are always exclusions. It is becoming increasingly difficult to get coverage against earthquakes for mobile homes so it is important to be aware of this when reviewing exclusions on comprehensive coverage policies.

* All coverages are subject to limitations and exclusions. Please speak to a licensed insurance agent, read the policy wordings and the certificate of insurance for definitions, limitations and exclusions.