THE FALLS INSURANCE CENTER, INC.
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If your home is a mobile home or manufactured home and you have demonstrated pride of ownership in the careful selection of its purchase, set up, and maintenance, we can offer protection against loss. We can cover your dwelling, other structures on the premises, your personal property (contents), loss of use and also provide comprehensive personal liability coverage in the event that you are held liable for damages to someone else.
The two most common types of physical damage coverage you will find in manufactured home policies are Comprehensive and Named Peril.
LIABILITY COVERAGE protects you if you are sued. You may be legally responsible for an accident that happens to someone else on your property. If someone falls down your steps and is injured, they can sue you for loss of income, medical expenses, pain and suffering and/or permanent injury. The legal defense costs and a potential award to the plaintiff can be very expensive. Liability insurance can help protect you against this type of hazard. It is very important to have this coverage and many manufactured home policies include this as part of the total package.
OTHER COVERAGE'S that can be included in manufactured home policies are additional living expenses, television and radio antennas, fire department service charges, debris removal, emergency removal costs, damage to other's property, and credit card and depositor's forgery. Be sure to list any special property or requirements you have so we can give you the quote on exactly the policy that meets your needs. Keep in mind that every company is different so you must read the policy itself for the exact coverage. Better yet, talk to a licensed insurance agent to better understand the coverage you are buying.