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Types of Mobile Home Insurance CoverageComprehensive coverage is standard with our
Mobile Home insurance policy. That means
we cover direct, sudden and accidental
physical losses that aren't specifically
excluded in your policy.

Learn more

Mobile and Manufactured Home Coverages

Farmers Standard Coverage

We cover direct, sudden and accidental physical losses that aren't specifically excluded in your policy, like:

  • Fire
  • Vandalism
  • Landslide
  • Falling Objects
  • Explosion
  • Off Right-of-Way Collision
  • Attempted or Actual Burglary or Robbery
  • Water Damage from Bursting Pipes
  • Damage by Wild or Stray Animals
  • Collapse from the weight of ice and snow
  • Wind*
  • Hail*
Liability Coverage

Liability coverage is an important part of your insurance package and also comes standard with a Mobile or Manufactured Home policy through Farmers. It covers you if you're found legally responsible for an accident that causes injury or property damage to someone who doesn't live in your home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage, as well as legal counsel for you and legal cost reimbursement if you're sued.

Additional Coverages Included with your Policy

These important coverages are automatically included in your Mobile or Manufactured Home policy:

  • Additional Living Expenses
  • Trees, Shrubs, Plants and Lawns
  • Debris Removal
  • Emergency Removal Service
  • Credit Card and Check Forgery
  • Emergency Repairs After a Loss
  • Fire Department Service
  • Food Spoilage Coverage

Optional Coverages

Farmers offers important optional coverages that let you customize your policy. Some coverages may be subject to company approval or may not be available in all states. These are a few of the most popular coverage options:

Additional Living Expenses
  • Trip Coverage When Moving Your Home
  • Personal Liability Coverage on Additional Residences
  • Scheduled Personal Property Coverage
  • Earthquake Coverage
  • Replacement Cost Coverage for your Mobile Home, Other Structures and Personal Belongings
Features & Discounts

Policy discounts vary by state and chances are one or more will apply to your policy. Please contact a Farmers agent to see what specific discounts are available in your area.

Settlement Methods

Agreed Loss Settlement: If your home is destroyed by an insured loss, you get the full amount of insurance shown on your Declarations Page for your home, minus any applicable deductible. No hassles, no arguments.

Optional Replacement Cost: Purchase optional Replacement Cost Coverage and get a settlement that reflects the cost to replace the damaged items with new property at today's prices. With this optional coverage you can receive up to 120% of the insured amount, if needed, to replace your home. (Not available in all states.)

To customize a Mobile Home insurance quote for your specific needs, contact a local Farmers agent today.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.