From Insurance Lounge

Mobile homes can be covered under a mobile home policy.

This coverage can include:

  • Detached structures on your property, such as a shed or garage;
  • Your personal belongings;
  • Living expenses if your home is severely damaged by a covered loss;
  • And injuries that might occur on your property—up to the limits you choose on your mobile home insurance policy.

Comprehensive coverage, included with every policy, offers protection against physical damage to your home caused by any peril, as long as it isn’t specifically excluded in your policy. Covered perils include:

  • Fire;
  • Wind- or hailstorm;
  • Smoke;
  • Damage to trees, shrubs, and lawns;
  • Falling objects;
  • Lightning;
  • Theft;
  • Vandalism;
  • Explosion;
  • Landslide;
  • And more.

Broad form coverage—which covers physical damage to your home if it’s caused by specific perils—is also available.