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Manufactured Home Insurance Coverage

Relax from the comfort of your mobile home knowing that your property is safe.

Standard Manufactured Home Insurance Coverage

Our Manufactured Home Insurance standard coverage allows you to enjoy the full potential of your home, while we protect your property. Here are the crucial aspects of this policy for covered losses.

Ensures financial protection for the physical structure of mobile homes. Dwelling coverage makes sure that in the event of covered perils such as fire, storms, or vandalism, you can get compensation to repair or rebuild your property. It extends to your home's structural elements, including walls, roof, floor, and built-in appliances, making it crucial if you own a mobile home.

Protects detached other structures on your insured property that are separate from your main residence, for instance, if you have a detached garage, shed, or gazebo this is the coverage that will keep these spaces well-protected. We’ll bring financial support whenever you need to restore or rebuild any of these structures in the event of covered damage.

Serves as your guardian against unforeseen situations, protecting all your valuable items such as furniture, clothing, and electronics. This essential aspect of this policy acts as a crucial shield to mitigate financial risks, taking a weight off your shoulders and giving you peace of mind and certainty that your belongings will be protected.

Offers financial coverage should unpredicted circumstances force you out of your residence temporarily, covering housing, meals, or other services that you may require while your manufactured home is being repaired. This will give you the serenity that you will be covered and your property will be back to how it was before that unwanted situation.

Works as your financial safeguard stepping in to handle legal expenses and claims for damages caused by your unintentional actions that result in injury or property damage. Whether it's a slip-and-fall incident on your porch or a golf ball that fell off your balcony, this coverage protects your assets from substantial legal judgments, allowing you to focus on resolving the situation without incurring significant financial burdens.

Acts as a helpful ally for minor accidents within your manufactured home premises, providing financial assistance for incidents such as bumps from low doorways or twisted ankles on uneven sidewalks. Consider it as insurance that embodies good neighborly support, covering basic medical expenses

Optional Manufactured Home Insurance Coverage

Alongside our standard coverage, we provide additional options to keep your home covered at all times. Customize your policy now based on your specific needs.

Earthquake coverage

Includes protection against the detrimental effects caused by seismic activities. By adding this endorsement, you will be covered for repairs or replacements to the mobile home’s structure damaged as a result of an earthquake.

Trip coverage

Covers expenses related to repair or replacement of the manufactured home in the event of a covered loss during transportation. This coverage will handle the risks that arise when relocating your home from one place to another.

Limited Animal liability coverage

Covers property owners against legal and financial responsibility for damages or injuries caused by their pets. This coverage ensures compensation is provided if your pet causes harm to others, their property, or their pets.

Identity theft coverage

Safeguards your finances by giving you support in case you become a victim of identity theft, as this added provision will aid in covering the costs involved in identity restoration and minimizing the resulting harm.

Increased personal liability coverage

Offers extended protection in case of personal liability claims. This endorsement enhances your coverage for legal expenses resulting from covered incidents.

Golf cart liability coverage

Provides coverage in the event of liability or legal obligation for any damage or injury arising from golf cart-related incidents. We’ll cover that unwanted event while you enjoy the recreational use of golf carts within your community.

Unscheduled personal property coverage

Protects your belongings without requiring a detailed inventory. This coverage offers financial compensation for lost, stolen, or damaged items.

Personal cyber protection coverage

Protects you against digital threats like cyber attacks, online scams, data breaches, and cyber blackmail, while avoiding financial strain when it comes to recovering lost data or funds resulting from cybercrimes.

Equipment breakdown coverage

Protects your home appliances in the event of mechanical, electrical, or other types of equipment failures, helping to cover the costs of repairs or replacements.

Mortgagee clause

Protects the interests of the mortgage lender by providing them with coverage and benefits in the event of a loss or damage to the insured property.

Where Does PSIC Offer Manufactured Home Insurance Coverage?

At PSIC, we provide Manufactured Home Insurance coverage in the state of California.

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