Home & Property > Manufactured Home > Policy Details
When you purchase a mobile home insurance policy, you’re looking to protect the home you live in, your belongings, and also to provide liability coverage for your family. What we offer is similar to a standard homeowners policy, but it is specifically written for manufactured housing.
Comprehensive protection. Your mobile home insurance coverage protects against a wide range of perils, including fire, lighting, wind, hail, explosion, and burst water pipes. This kind of protection is sometimes referred to as “special form” coverage.
Protection for a total loss. In the event of a total loss, you will be paid the stated value of your mobile home as shown on your declarations page. While stated value provides adequate protection for many owners, you can upgrade your protection to replacement cost coverage.
Protection for a partial loss. This is important coverage because most losses are partial. We pay the actual cash value (ACV) for a partial loss. Because ACV takes depreciation into account when settling your claim, you may want to upgrade your protection to replacement cost.
Personal liability. If a guest is injured in your home, or if you accidentally injure someone or damage property away from the home, you may be liable. American Modern offers several coverage limits.
Additional living expenses. If you need to move out of your home because of damage, we will help with the extra expenses you’ll have, such as lodging and meals.
Reimbursement for repairs. We reimburse reasonable expenses for repairs you need to make to prevent additional damage caused by a covered loss, like covering a roof after a storm.
Coverage for other structures. Coverage for your shed, detached garage and fence is included.
Plus these:
| • Collapse • Antenna/satellite dish |
• Emergency removal • Trees/shrubs/plants/lawns |
• Fire department service charge • Food spoilage |
Breakdown coverage. What if any of your major appliances, heating and air conditioning systems, or large electronics just stopped working? This option will cover repair or replacement. Read more about this special mobile home coverage.
Earthquake. This hard-to-find coverage is available in nearly all states.
Plus these:
| • Scheduled personal property | • Trip collision | • Builder’s risk |
The list of included coverages and options varies depending on the intended use of the mobile home. Take a look at our other pages if you need coverage for landlord properties or seasonal homes.
If a comprehensive package of protection is more than you need, we can mix and match coverage using our "By-line" program. If you only want physical damage coverage to the structure, but not for your personal property, we can do that. We can also exclude liability.
Your agent will work with you to be sure that the coverage mix you select truly meets your needs, and that you understand what coverage is excluded from your policy.
American Modern gives you ways to save on your mobile home insurance coverage.
We also insure all kinds of mobile and manufactured homes. Take a look at our FAQ.
Get a mobile home insurance quote from American Modern. Call 1 866-884-6167 Monday through Friday, 8 am to 8 pm ET. Or request your mobile home insurance quote online.
Products, coverages and discounts are not available to all persons, in all states or apply to all possible risks. Terms, conditions and exclusions may apply. Rates are derived from a number of factors, which can influence the price, discounts and savings. Your rate may be higher or lower. Policies are subject to underwriting review and approval. Rates are subject to change. Policies are written by one of the companies of American Modern Insurance Group, which includes American Modern Home Insurance Company and American Family Home Insurance Company.
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