Few news broadcast stories resonate as widely as a tornado striking a mobile home park. The loss of life and property -- compounded by the frightening amount of wreckage scattered across a typical park disaster scene -- triggers an outpouring of sympathy. But for those who live through such a nightmare, a second wave of misfortune can await in the incident's aftermath. This is the time trailer occupants too often find that their insurance coverage doesn't come close to what is needed to replace one's home and contents. While there are a wide variety of coverage options available to mobile home owners, high costs associated with underwriting prospective claims can prompt owners to skimp on coverage amounts. This is why it is so important to know the insurance territory as it relates to your location and situation before disaster strikes.

Package mobile home insurance coverage includes coverage for the home, personal effects and personal liability. By-line manufactured home insurance policies are the only way to buy mobile home insurance in some states. With a by-line mobile homeowner’s insurance policy, customers pick and choose the coverage they need to protect their home.


Mobile home insurance policy coverage include:

• Insurance coverage covers damage to the manufactured home due to perils including windstorm damage, fire, lightning, damage from falling objects and explosion. Additional perils may or may not be included depending upon the specialty insurance company’s guidelines. Replacement cost insurance coverage for a prefab home is costly but worth it- check to see if this available.
• Purchasing manufactured home insurance from a specialty insurance company means there is also coverage available for personal property. Replacement cost coverage for personal effects may also be covered by in the mobile home quote.
• Adjacent structures coverage where available provides insurance coverage for buildings outside of the mobile home, like a garage or shed.
• Personal liability coverage is typically included with a mobile home quote. This provides insurance coverage if the insured or someone on the mobile homeowner's policy unintentionally causes property damage or bodily injury to a non-family member.