Home & Property > Manufactured Home > Landlord Insurance
Landlord rental insurance for manufactured homes covers your property if you rent out a mobile home to others for use as a residence, or for commercial use as an office or business with light customer traffic.
Whether you are a landlord for one mobile home or several, American Modern can protect your property. If you own 10 or more units, you can consolidate your landlord properties onto one insurance policy. The advantage of one policy is uniform coverage, one bill to pay, and one renewal date.
This program does not cover your tenant, who should be encouraged to purchase renters insurance to protect his or her belongings and personal liability.
Comprehensive protection. Your policy covers a wide range of perils, including fire, lightning, wind, and hail as well as civil commotion, falling objects, explosions, and water damage from a burst plumbing system.
Protection for a total loss. For a total loss, your settlement is for the stated value of your mobile home, as listed on your policy. In the event of a total loss, you will be paid the agreed value amount shown on your declaration page, without any deduction for depreciation.
Protection for a partial loss. Most losses are partial. Our policy automatically gives you actual cash value (ACV) for a partial loss. Because ACV takes depreciation into account when settling your claim, you may want to upgrade to replacement cost coverage.
Plus these:
| • Reasonable expenses for repairs • Fire department service charge |
• Emergency removal • Trees/shrubs/plants/lawns |
• Antenna/satellite dish |
Premises liability. This coverage protects your legal liability for bodily injury or property damage, when that damage takes place on the insured premises of your mobile home.
Breakdown protection. What if any of your major appliances, heating and air conditioning systems, or large electronics just stop working? This optional coverage will cover repair or replacement. Read more about this special mobile home coverage.
Protection for other structures. Add coverage for a shed, detached garage or fence.
Earthquake. This hard-to-find coverage is available in nearly all states.
American Modern insures all kinds of mobile and manufactured homes. Take a look at our FAQ.
Get manufactured home rental insurance quotes from American Modern. Call 1 866-884-6167 Monday through Friday, 8 am to 8 pm ET. Or request your landlord 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.
Our Breakdown Endorsement adds coverage for the mechanical or electrical failure of household systems such as kitchen appliances, heating and air conditioning, TV, well pump or pool equipment.
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