Mobile Home Insurance
Guard your mobile home today
Mobile home insurance is a contract between the owner and an insurance company, with the purpose of providing financial protection against loss or damage to the property of the insured, as well as civil liability for injuries or damage to third parties within the insured property. These coverages play a crucial role in Texas due to its geography and diverse climates, protecting both the structure and personal assets against potential risks.
The main coverages include:
Mobile home structure - Dwelling
- Covers the repair or reconstruction of the mobile home structure against damage caused by covered events, such as fire, storms, high winds, hail, vandalism or other specifically mentioned risks.
Personal property
- Covers personal items inside the mobile home, such as furniture, clothing, appliances and other property in the event of theft or covered damage. It is advisable to maintain a detailed inventory and adequate documentation to facilitate the claim process.
Liability
- Covers the costs of legal and financial protection if someone is accidentally injured on the insured's property or if the insured damages another person's property.
Loss of use
- Covers housing expenses and other costs of living if the mobile home is uninhabitable due to covered damage.
Additional living expenses
- Covers additional living expenses if the mobile home becomes uninhabitable due to a covered event, such as temporary lodging and food.
Additional considerations:
Flood
- In flood-prone areas, it is crucial to consider separate flood insurance, as typical homeowners insurance does not cover flood damage.
Earthquakes
- Similarly, earthquakes are generally not covered and require additional specific coverage.
Insured values
- It is crucial to regularly evaluate the value of the mobile home to ensure coverage is adequate to rebuild or repair in the event of a total loss. This may involve an adjustment for increased market value, or improvements made to the mobile home.
*It is important to keep in mind that the terms and conditions of the insurance companies may vary for each coverage. Therefore, it is essential to review carefully to fully understand the extension and any exclusions that may apply.
