What Does Mobile Home Insurance Cover?

A typical mobile home insurance policy covers your home and personal belongings, and pays for medical expenses if someone is hurt on your property. Because mobile and manufactured homes are different from traditional houses, a standard home insurance policy won’t cover a mobile home.

Mobile home insurance generally includes these essential coverage types:

Property, including your mobile home and possessions.
Liability, for damages or injuries to others that members of your household are legally responsible for.
Medical payments to others, for small injuries to guests on your property.
Loss of use, which reimburses extra living expenses if you can’t live in your mobile home because of a problem covered by the policy, like a tornado or fire.

Mobile home insurance is sometimes called “manufactured home insurance.” A typical policy covers the structure of the mobile home and your personal property from problems known as “perils”:

Fire or lightning.
Windstorm or hail.
Explosion.
Riot or civil commotion.
Falling objects.
Vehicles.
Smoke.
Theft.
Volcanic eruption.
Vandalism.
Weight of snow, ice or sleet.
Freezing of pipes (but not if you turned the heat off and left home).