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Included, Optional Coverage, Discounts
Mobile Home Manual
Included
Mobile Home Contract
Physical Damage
- Covers all parts to the mobile home connected to the form of the home.
- Includes coverage for awnings, shelters, cabanas, porches, water pumps and air conditioners attached.
- Personal effects in included in this coverage up to the policy limit.
Perils Insured Against (Structure)
Broad Form:
- Fire or Lightning
- Explosion
- Stranding, sinking, falling, burning, collision, or derailment of any conveyance in or upon which such property is being transported.
- Theft, larceny, robbery, pilferage.
- Windstorm or Hail.
- Riot or Civil commotion.
- Missiles propelled or objects falling from outside the mobile home.
- Collision with another vehicle not owned by the insured.
Perils Insured Against (Personal Effects)
- Fire or Lightning
- Explosion
- Windstorm or Hail
- Riot or Civil commotion
- Missiles propelled or objects falling.
Personal Liability Coverage
- Provides coverage for bodily injury and property damage the insured is liable to pay.
- Pays for the litigation and claim expenses.
- Pays for first aid expenses.
Medical Payments
- Pays for medical payments the insured may be liable for.
Additional Coverage
- Additional living expense.
- $500 Fire department service charge.
- Debris Removal.
- Trees, Shrubs, Plants, and Lawns: $500 a tree.
- Repossession return expense coverage.
- Food spoilage after a covered loss up to $500.
Other Highlights
- Online Services available.
Deductibles
- Available deductibles: $500/$1000/$1500.
Optional Coverage
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| Adjacent Structures and Equipment Coverage Increase Limits |
- Coverage for other structures on the property at the amount of $25,000.
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| Replacement Cost on the mobile home
View Endorsement |
- Replacement cost on mobile home instead of the actual cash value.
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| Comprehensive Personal Effects Replacement Cost
View Endorsement |
- Changes the coverage for personal effects to replacement cost.
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| Comprehensive Personal Effects Increased Coverage |
- Increases the maximum personal property coverage to 75%.
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| Comprehensive Personal Effects Coverage – Increased in Special Limits |
- Allows you to increase special limits on certain personal effects.
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| Trip Collision Coverage
View Endorsement |
- Provides coverage when the mobile home is moved for up to 30 days.
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| Schedule Personal Property
View Endorsement |
- Coverage provided for antiques, camera equipment, fine art, furs, jewelry, musical instruments, guns, silverware, bicycles, coins, fine art, golfer’s equipment, miscellaneous personal property, other sports equipment, stamps.
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Discounts
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| Paid in Full |
- Discount available if you pay in full.
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| Companion Policy |
- Available if you have any other policies within our agency.
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| New Purchase |
- Available if the insured is purchasing their policy at the same time they are purchasing the house.
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| Non-Smoker discount |
- Available if the insured is not a smoker. Surcharge if the insured smokes.
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| Fire Protection |
- Available if the insured has a central station fire alarm.
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| Burglar Protection |
- Available if the insured has at least a local burglar alarm.
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| Secured Subdivision |
- Available if the insured lives in a secure neighborhood with 24-hour security and gates.
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| Umbrella Discount |
- Available if the insured has an umbrella policy within our agency.
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| E-Policy Discount |
- Available if the insured agrees to receive documentation via email.
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