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Manufactured & Mobile Home Insurance
Premier Shield Insurance helps customers find a great mobile home and manufactured home insurance policies at an affordable price.
Mobile home insurance coverage is similar to standard home insurance, but you get specialized mobile home insurance coverage that covers all of the unique features of your mobile and manufactured home.
Premier Shield Insurance companies protect your mobile home and its contents in the event of insurance perils like hail, fire, vandalism or theft. While we strongly advise against finally a home insurance claim, the replacement or repair costs are normally covered on your mobile home policy.
Additional structures on your lot, such as a patio or garage, and your personal belongings would also likely be covered.
Types of mobile homes we insure
Built off-site from a factory then transported to a selected location
The home could also be on a permanent foundation rather than being tied down
Often placed on a basement or crawlspace
May have multiple levels Manufactured to satisfy state and local building codes
Insurance Coverages Mobile Home
The following protections are included on most modular/mobile home policies:
Mobile Home Dwelling Coverage
Dwelling coverage: This coverage is for the actual mobile or manufactured dwelling as well as other permanent structures on the property. In other words, any damage done to your home or other structures on the property (like a deck, garage or shed) that is a covered peril is covered under your dwelling coverage.
For example, if your property’s roof is damaged or broken during a windstorm. Dwelling coverage pays to repair your roof or replace it, if needed.
Personal Property & Belongings Coverage
Your personal belongings, like furniture, appliances, clothing, and electronics, are covered up to a specified limit if lost or damaged during a covered incident. confine mind, if you’re in possession of jewellery, expensive artwork, or other valuables, you will need to “schedule” the item on your policy (also called an “insurance rider” or “jewellery rider“).
For example, there’s a rashof burglaries in your neighborhood, and your ring is stolen. You’re covered for the ACT (Actual Cash Value) of the ring, minus any deductible and up to the coverage limits on your policy.
Mobile Home Liability Coverage
Owning a property can leave you on the hook if a household member is responsible for someone else’s property damage or injury.
Typically, homeowners insurance policies provide a minimum of $100,000 in personal liability coverage, which means the insurance company pays up to that amount in total to injured persons per occurrence.
At Premier Shield Insurance, our agency standard for mobile home liability coverage in Massachusetts, Connecticut, New Hampshire, Maine, and Rhode Island
An example, your children are playing baseball in the back yard, and accidentally hit the ball through your neighbor’s french doors damaging a $10,000 glass dining room table. Liability coverage will pay to replace the table, up to the liability limits on your policy.
Mobile Home Loss of Use
Commonly known as “additional living expenses,” most mobile home insurance policies cover “loss of use“, this much-needed coverage option reimburses you for extra living expenses if you can’t live in your mobile home because of a problem covered by the policy, like a hurricane or fire.
Mobile Home Other Structures
A standard mobile home insurance policy includes coverage for permanent structures that aren’t permanently attached to your home, like a fence, garage, carport, or tool shed.
Extra & Options Mobile Home Coverage
Optional mobile home insurance coverage options will vary from state to state. Call us at 1-774-847-7746 to discuss coverage options available if you live in Connecticut, New Hampshire, Massachusetts, Maine, and Rhode Island.
Mobile Home Replacement Cost Coverage
Protect your personal property and manufactured or mobile home from depreciation. We typically require policies to have replacement cost coverage for both property and contenets on eact policy. In the event of a loss you want to be made whole, not given $.10 on the dollar for you clothes and other belongings.
This optional replacement cost coverage gives you the money you need to replace or repair what’s damaged without receiving the lower depreciated value.
Trip Collision Coverage.
With “Trip Collision Coverage“, you get coverage for when you’re moving locations. This enhanced protection will cover any damages to your manufactured or mobile home as its being moved or transported.
Companies like Progressive offer this cover for one move during a specific 30-day period.
An example would be a truck collision while your mobile/manufactured home is being transported from one location to the next. Trip collision coverage pays for any damage to the structure of your home up to your policy’s coverage limits.
Mobile Home & Auto Single Deductible Endorsement
If you have Progressive or Foremost for your auto insurance policy, you not only enjoy a multi-policy discount but you’re only required to pay one deductible in the event a claim applies to both your bundled Progressive mobile home and auto insurance policies.
If you didn’t have both policies with Foremost or Progressive, you’d end up being required to pay two separate deductibles (Home insurance + auto insurance deductible. This benefit however is only available in specific states.
An example would be if a windstorm causes damage to the roof of your home and your car. Your manufactured home insurance covers repairs to your roof and your automobile insurance, if you carry comprehensive coverage, covers damage to your vehicle. If a $1,000 deductible for both policies would normally apply, you simply need to pay one deductible and both are going to be fixed/repaired.
New England Mobile & Manufactured Home Insurance Quotes
Find cheap and affordable home insurance coverage for your mobile or manufactured home today!
Request a quote by calling us at 1-774-847-7746 or requesting a mobile home insurance quote online below.