Manufactured Home Insurance – Protecting Washington, Oregon & Arizona

Four Things You Need to Know:Residential mobile home on a quality caravan park estate

1) Most mobile home owner’s purchase policies that cover these main categories:

  • Dwelling including tie-down equipment
  • Personal Property
  • Other Structures
  • Personal Liability

2) Not all manufactured home policies provide the same coverage or will cover the same losses.  Foremost mobile home insurance policies cover:

  • Fire
  • Theft (Attempted or Actual Burgalary)
  • Vandalism
  • Landslide
  • Falling Objects
  • Explosion
  • Water Damage to your home from bursting pipes
  • Damage from ink, paint, dye, shoe and nail polish
  • Damage by wild or stray animals
  • Damage caused by faulty blocks or jacks
  • Collapse from weight of ice and and snow
  • Wind
  • Hail

3) Extra Coverage’s you may need that Foremost manufactured home policies automatically include:

  • Additional living expenses to pay for you to live elsewhere while home rebuilt or repaired
  • Trees, shrubs, plants and lawns
  • Debris removal
  • Emergency Removal of home
  • Credit card and check forgery
  • Emergency Repairs after loss
  • Fire department service charges
  • Food Spoilage

4) There are important Optional Coverage’s that can be added to a Foremost policy:

  • Trip coverage- provides coverage for home while being moved
  • Replacement cost on Personal Property- Receive the value of new for old to replace property with no deduction for depreciation.
  • Replacement cost on Mobile home and other structures.pays to replace home with a new one without deducting for depreciation.
  • Personal liability for additional residences- extends liability to a second home or residence.

A & M Insurance Services, Inc. is here to help you find the right insurance for your manufactured home.

 

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