What is Mobile Home Insurance?

Who Needs Mobile Home Insurance?

If you own a mobile or manufactured home or a tiny house, you should consider getting Mobile Home Insurance. This coverage is essential for protecting your personal belongings, covering the structural components of your home, and offering liability protection in case of unexpected incidents.

With PSIC Mobile Home Insurance, you can be sure that your home and you will be well protected from unwanted events when you need it.

Is Mobile Home Insurance Required by Law?

Mobile Home Insurance is not legally required by federal law. However, mortgage lenders may enforce insurance as a prerequisite for financing your home, and some mobile home communities consider it mandatory to have Mobile Home Insurance if you want to become a resident.

Finally, while not obligatory, we strongly recommend you get Mobile Home Insurance if you own a manufactured home as it will safeguard your residence and your finances from expected and unforeseen events.

Does Homeowners Insurance Cover Mobile Homes?

Homeowners Insurance doesn’t cover mobile homes. Despite both types of insurance provide coverage for structure and liability events, each protects different types of properties. Mobile Home Insurance is designed for manufactured homes, which have different construction and risk factors compared to traditional homes.

Overall, Mobile Home Insurance is customized to address the distinct needs of manufactured homes, so it takes into account their unique characteristics, such as their mobility, lighter construction, and specific risks associated with transportation and mobile home communities.

What Does Mobile Home Insurance Cover?

Mobile Home Insurance standard coverage offers protection for personal belongings, structural elements, liability, medical expenses, and loss of use. This policy safeguards property owners against the following perils:

• Fire and Lightning: a mobile home can be quickly engulfed in flames due to its lightweight construction.
• Windstorm or hail: Harsh winds and ice balls batter and bruise structures.
• Explosion: Sudden blasts demolish with devastating force.
• Riot or civil commotion: Chaotic turmoil can lead to property damage.
• Aircraft, spacecraft, and missiles: Objects in the sky that fall can cause significant damage
• Falling objects: Gravity’s missiles causing unexpected harm.
• Motor vehicles: Except for the motor vehicles owned or operated by you.
• Smoke: Dark plumes from fires can silently spoil and erode interiors.
• Vandalism or malicious mischief: Deliberate damage strikes at your peace of mind.
• Theft: Uninvited hands taking what’s yours.
• Breakage of glass or safety glazing material which is part of your unattached structures.
• Artificially Generated Electrical Current: Electrical anomalies sparking potential disaster.

Remember that customization options are available to tailor your Mobile Home Insurance policy to your lifestyle, ensuring comprehensive coverage for unexpected situations.

How Much is Mobile Home Insurance?

The cost of Mobile Home Insurance varies depending on factors such as location, age, and condition of the property, among others. That’s why we can’t give you an initial price, but PSIC offers competitive rates and a wide range of options to keep you covered.

Additionally, there are many optional coverages you can include in your policy to provide extra support, which will change the final price. At PSIC we’re ready to help you make your Mobile Home Insurance policy fit your needs. We recommend you contact an agent to get more guidance on what would be the best policy for you.

Where Does PSIC Offer Mobile Home Insurance?

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

We plan to expand our Mobile Home Insurance coverage nationwide soon, ensuring all owners the benefit of our reliable insurance solutions.