Published at Wednesday, April 18th, 2018 - 12:06:56 PM. Mobile Home Insurance. By Durand.
A mobile home insurance policy caters to the specific needs of owners of such. The coverage provided by this policy is similar to that of the regular homeowner's policy. However, it is specifically designed to meet the specific needs of the policy holder. Besides the mobile home, coverage also includes personal property and personal liability. Unless specifically excluded in the policy, your policy will cover your home and adjacent structures from all forms of loss. Coverage includes, without limitation, loss or damage by fire, windstorm damage, damage from falling objects, lightning, explosion, and more. Generally the policy will not cover a mobile home while it is in transit.
Insurance policies for mobile dwellings can cover you against all risks or only narrowly against specific risks. In general, a policy against a specific risk covers losses from the residence and its contents in case of fire, lightning, explosion, transport, theft, windstorm, riot or civil disturbance. Personal property in a home can also be covered as well. An all-risk policy covers losses from damage to property where at least two conditions are met: the cause of damage must be direct, sudden and accidental and should not be listed in the exclusions of the policy. An all-risk insurance policy covers all risks (causes of loss) that do not appear to be specifically excluded. Read your policy carefully to ensure that you understand your insurance company's responsibilities. Insurance coverage will vary depending on the policy and the policyholder's individual needs.
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