Which Coverage Can I Add to My Mobile Home Insurance Policy?

Mobile Home Optional Coverage

Customize your Mobile Home Insurance coverage to get comprehensive financial support and insure your property against expected and unforeseen events.

 

Dwelling related coverage

Secure your manufactured home’s structure with comprehensive coverage to ensure that your property remains safeguarded from unforeseen events and potential damages.

 

What is increased dwelling coverage?

Increased dwelling coverage offers additional protection for the main and detached structures of your home. You can enhance the protection of your house based on its replacement cost, or reinforce the coverage for other structures, based on their actual cash value or replacement cost.

 

By opting for this coverage you will provide an additional layer of protection to both the main property and detached structures of your residence if the cost to rebuild your home exceeds your dwelling coverage limit.

 

 

What is trip coverage?

Trip coverage offers protection and financial assistance to manufactured home owners while their property is being transported or relocated. This coverage is specifically designed to address the unique risks associated with moving a manufactured home from one location to another.

 

By having trip coverage, owners can have peace of mind knowing that their investment is safeguarded during the relocation process.

 

 

What is earthquake coverage?

Earthquake coverage is an insurance provision that offers crucial assistance against the potential damages caused by earthquakes, ensuring that manufactured home owners have their backs covered if they need to repair or rebuild their home if it’s damaged or destroyed due to a seismic event.

 

This coverage offers limited coverage for potential damages to your property. If you need more comprehensive earthquake protection, we recommend getting an Earthquake Insurance policy.

 

 

Liability related coverage

Customize your policy to make sure you are covered for possible claims for damage to property or persons.

 

What is animal liability coverage?

Animal liability coverage is an additional provision that offers you financial support for liability claims in case your pets cause harm or damage to others. With this endorsement, you will be covered for legal expenses, medical costs, and property damage resulting from incidents involving your furry family.

 

By getting this coverage, you can rest assured that you will be financially shielded from risks associated with damages or injuries caused by your pet. We will cover any associated expenses.

 

 

What is identity theft coverage?

Identity theft coverage is an endorsement specifically designed to protect manufactured home owner’s identity as it provides financial security against the devastating consequences of being a victim of identity theft. This coverage offers protection, time and stress savings, and proactive measures.

 

With this additional help, you can minimize the financial impact of identity theft, receive professional assistance in the recovery process, and benefit from proactive measures such as credit monitoring, ensuring a swift resolution to this unwanted event.

 

 

What is increased personal liability coverage?

Increased personal liability is an optional enhancement to your standard coverage that offers security in case of personal liability claims as it delivers extra financial support to address legal costs, and property damages where you may be held responsible.

 

With this coverage you can have peace of mind, knowing that you have an extra layer of defense and the necessary financial resources to manage potential liability claims, ensuring their personal and financial welfare is shielded.

 

What is personal injury coverage?

 

Personal injury coverage provides extra protection extending your liability limit in your Mobile Home Insurance coverage. While liability coverage typically includes bodily injury or property damage caused to others, this extension includes non-physical harm or emotional distress caused by you or a covered family member.

 

This endorsement includes legal expenses, settlements, or judgments if you are found legally responsible for personal injury, such as defamation, invasion of privacy, or wrongful eviction. It’s important to note that personal injury coverage usually has specific limits and exclusions, so it’s essential to review your policy and consult with an agent to ensure you have the right coverage for your needs.

 

What is golf cart liability coverage?

Golf cart liability coverage is specifically designed to address the risks associated with operating golf carts within mobile home communities. You can be financially protected from unexpected accidents that may occur from the use of your golf cart, such as legal expenses or property repair costs.

 

By having this coverage, you can have peace of mind knowing that we will safeguard your interests and give compensation in the event of an unfortunate incident involving your golf cart. If you need additional coverage for your golf cart, consider getting an Off-road Insurance policy.

 

 

Property related

Protect your personal belongings to ensure that you can repair or replace them when necessary.

 

What is unscheduled personal property coverage?

Unscheduled personal property coverage is a significant support for property owners as it safeguards their personal belongings without the need for a detailed inventory, providing the flexibility to repair or replace items without the need for extensive documentation, and making the claims process more efficient.

 

Having unscheduled personal property coverage ensures that manufactured home owners have comprehensive protection for a wide range of personal property within their homes.

 

 

What is personal cyber protection?

Personal cyber protection is an endorsement that offers comprehensive coverage and financial help in the event of cyber attacks. This is the extra help you’ll be grateful to have in today’s digital world as it will protect you in case of being a victim of online fraud, data breaches, and other cybercrimes.

 

This optional coverage was created to give the necessary resources to recover from cyber incidents, offering assistance with data recovery, and financial reimbursement for losses incurred due to any of those unwanted situations.

 

 

What is equipment breakdown coverage?

Equipment breakdown coverage is an additional protection that keeps your financials safe if your home appliances and systems need to be repaired or replaced because of a power outage or equipment failure.

 

This endorsement provides coverage for the cost of repairing or replacing damaged equipment, such as heating and cooling systems, water heaters, kitchen appliances, and electrical systems, ensuring that manufactured home owners have the necessary support to restore functionality to their homes in the event of equipment breakdowns.

 

 

Mortgage related

Insure your manufactured home so it remains yours no matter what.

 

What is the mortgagee clause?

The mortgagee clause protects the mortgage lender’s interests by assigning them as a loss payee in the policy. In the event a covered loss occurs, the insurance proceeds are allocated to both the property owner and the mortgage lender, ensuring the lender’s financial investment is protected.

 

Moreover, the mortgagee clause usually requires the insurer to notify the mortgage lender about any policy changes or cancellations, this is to ensure that the lenders are updated about the Mobile Home Insurance status, allowing them to take necessary steps to safeguard their financial interest in the property.

 

 

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 homeowners the benefit of our reliable insurance solutions.