Mobile Home Insurance 101: Older Models

​As the amount of time you spend in your mobile home increases, so does the likelihood of issues that need to be covered. Examining your policy's limits is essential to protect your home and your assets with the proper coverage. This article guides what you should know about mobile home insurance for older models.

Mobile home insurance coverage
Many older mobile homes may be covered under the standard clause of homeowners insurance. Mobile home insurance coverage closely resembles that of a conventional homeowner's policy. Here are the coverages:

Dwelling coverage
If your mobile home is damaged, your dwelling coverage may pay up to the policy limitations. Fire, smoke, wind, hail, heavy rain, ice and snow, falling objects, broken pipes, lightning, explosions, and vandalism are some potential damage causes. Mobile home insurance can fix or replace your home. It can also cover damaged attached structures, oil and gas drums, tanks, and other building materials.

Personal property coverage
Mobile home insurance can protect your personal property if damaged or stolen. You may be covered, for instance, if a thief broke into your home and stole your laptop.

Personal liability coverage
You could be held responsible if your neighbor is hurt by a branch that falls from a tree on your property. With this coverage, your insurance company can help you pay for your legal defense if you are found to be at fault. You can have financial protection up to your coverage limit.

Medical payment coverage
Whether or not you are found liable for an injury caused by your property, medical payment coverage can help pay for associated expenses. It may reimburse the policyholder for injury-related expenses, such as medical and funeral costs.

Additional living expenses or loss of use
Some damages are severe enough to render a home inhabitable. Your insurance policy may reimburse you for additional living expenses or loss of use if you cannot live in your home. This can cover your living expenses while staying in a hotel or rental property while your home is being made habitable again. Additional expenses include meals, laundry, and other costs associated with living away from home.

Conclusion
As people age, their insurance needs to change. The same goes for home insurance as your home ages. Older homes are more susceptible to damage, and the cost of repairs can be high. Mobile home insurance can protect homes and livelihoods. Do not let your home become a liability.

At Leigh Insurance Agency, we put our clients first by offering them policies that they can afford. Insurance is a necessity nowadays, and we're here to help you. Learn more about our products and services by calling our agency at (904) 826-0799. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!