Your mobile or manufactured home is more than just a place to live—it is your home, your belongings and a significant investment. Mobile and manufactured home insurance can help protect your home and personal property from covered losses while also providing liability protection.

At Bell Robinson Financial Group, we can help you find insurance coverage designed around your mobile or manufactured home and your individual needs.

What Does Mobile & Manufactured Home Insurance Cover?

A mobile or manufactured home insurance policy can provide several important types of protection, including:

Dwelling Coverage
Helps protect the structure of your mobile or manufactured home against covered damage, such as certain losses caused by fire, wind, hail or other covered perils.

Personal Property Coverage
Helps protect the belongings inside your home, including furniture, clothing, electronics, appliances and other personal possessions, when damaged or stolen as a result of a covered loss.

Other Structures
May provide coverage for detached structures on your property, such as sheds, garages, decks or other eligible structures, depending on the policy.

Personal Liability Protection
Helps protect you financially if you are legally responsible for someone else's bodily injury or property damage resulting from a covered incident.

Medical Payments to Others
May help pay certain medical expenses if a guest is injured on your property, subject to the policy's terms and limits.

Additional Living Expenses
If your home becomes uninhabitable because of a covered loss, your policy may help with certain additional living expenses while repairs are being made, subject to the policy limits.

Coverage Designed for Your Home

Mobile and manufactured homes can have different insurance needs than traditionally built homes. Factors such as the age of the home, construction, location, value, foundation or tie-downs, additions and other characteristics can affect eligibility, coverage and cost.

The right amount of insurance is important. Your coverage should be reviewed to make sure the dwelling limit, personal property coverage and liability limits are appropriate for your situation.

Additional Coverage Options

Depending on your insurance company and policy, additional coverage options may be available for needs such as:

• Replacement cost coverage

• Increased personal property coverage

• Scheduled personal property

• Water backup

• Other structures

• Additional liability protection

• Coverage for certain improvements, additions or attachments

• Personal property with special value

Flood damage is generally not covered by a standard homeowner’s policy, so separate flood insurance may be appropriate depending on your location and circumstances.

Replacement Cost vs. Actual Cash Value

One important consideration when purchasing mobile or manufactured home insurance is how a covered loss will be valued.

Replacement Cost coverage is generally designed to pay the cost to repair or replace covered property with materials of similar kind and quality, subject to the policy terms and limits.

Actual Cash Value takes depreciation into consideration when determining the amount paid for a covered loss.

Your insurance agent can explain the valuation available for your particular home and personal property.