Types of Mobile Home Coverage

Types of Mobile Home Coverage

February 21, 2023

As an independent insurance agent, I understand the importance of having the right insurance coverage for your mobile home. In this blog, we'll discuss some of the coverage options available to mobile home owners in Zephyrhills, FL.

Property coverage:

This coverage provides protection for your mobile home and any attached structures, such as a porch or deck, against damage caused by covered perils such as fire, lightning, windstorm, or hail. It's important to make sure your policy includes replacement cost coverage, which will pay to replace your home or personal property with new items of similar quality.

Personal property coverage:

This coverage protects your personal belongings inside your mobile home, such as furniture, appliances, and clothing, in case they are damaged, stolen, or destroyed. Be sure to take an inventory of all your personal property and make sure it's covered under your policy.

Liability coverage:

This coverage protects you in case you are found legally responsible for injuring someone or damaging their property. It can help cover legal fees, medical expenses, and other costs associated with a liability claim.

Additional living expenses coverage:

If your mobile home is damaged and you are unable to live in it while repairs are being made, this coverage can help cover the cost of temporary housing and other additional expenses.

Flood insurance:

Standard mobile home insurance policies typically do not include coverage for floods. If you live in an area that is at risk for flooding, it's important to purchase a separate flood insurance policy to protect your home and belongings.

Hurricane coverage:

In Florida, hurricanes can be a major threat to mobile homes. Make sure your policy includes coverage for hurricane damage, including wind and flood damage.


Depending on your needs, you may want to consider additional endorsements to your policy, such as coverage for high-value items or identity theft protection.

It's important to work with an independent insurance agent who can help you understand your coverage options and find the policy that's right for you. Contact an independent insurance agent today to learn more about mobile home coverage options in Zephyrhills, FL.