Physical damage coverage and personal liability coverage are the two primary forms of coverage that are usually offered by mobile home insurance policies. These choices apply to seasonal mobile homes, commercial mobile homes, rental mobile homes, and mobile homes situated in parks or on private property.

Physical Damage Coverage

This covers accidental damage to your mobile home, belongings, or other structures (like attached patios, decks, garages, and storage sheds) caused by wind, fire, hail, theft, vandalism, or falling objects. Like standard home insurance, flooding is not covered, but separate flood insurance can be obtained if you live in a flood zone.

Personal Liability Coverage

This safeguards you if your actions cause harm to someone or damage to their property. Claims can cover medical expenses, lost wages, pain and suffering, and property damage to others. Please be aware that liability coverage does not include coverage for injuries to you or your household members. If the amount of insurance required to cover your assets exceeds what is included in a mobile home insurance policy, additional liability insurance should be considered.

Peril policies offer basic insurance coverage and only cover specific types of losses. While the low premiums might seem appealing, they won't protect you if your mobile home is damaged by anything other than the specified perils. In such cases, you must cover repair or replacement costs yourself.