With over 50 years experience insuring mobile and manufactured homes, you can rest assured knowing that our Mobile or Manufactured Home insurance policy gets you access to the nation's most experienced team of mobile home professionals.

Types of Coverage

While no insurance policy covers everything, your policy should cover a wide range of possible damages or causes of loss. Our mobile home policy features comprehensive coverage - standard. That means 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 from Ink, Paint, Dye, Shoe and Nail Polish
• 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 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 Farmers or your agent to see what specific discounts are available in your area.

Availability

Mobile home insurance through Farmers is only available in the United States, in all states except Hawaii. The program is not available in Washington D.C. Please note that coverages and coverage amounts vary by state. All coverages may not be available in all areas.

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.)

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What to Look For in a Mobile Home Insurance Policy

It should pay for certain kinds of accidental damage to your home, belongings, or other structures. Coverage for this kind of damage is called physical damage coverage. Common examples of events that cause physical damage to your property include fire, wind, vandalism, and falling objects.

It should protect you against claims or lawsuits filed against you by people who are accidentally hurt by your actions or because of your activities. Coverage for these kinds of claims and lawsuits is called liability coverage. Claims might include medical expenses, lost wages, pain and suffering, and even property damage. Liability coverage should also help you pay for your defense in the event of a lawsuit. Liability coverage does not pay claims for injuries to you or the members of your household.

Mobile Home Insurance Policies are not all alike
Most Mobile Home insurance policies provide these two basic kinds of coverage. However, the amount and degree of coverage can vary dramatically from one policy to another. That’s why it’s so important to compare policies before buying. What looks like a bargain at first glance can end up costing you hundreds, even thousands of dollars in the event of a claim.

That’s particularly true when it comes to physical damage coverage. Some policies only cover specific causes of loss. These named peril policies will give you basic coverage.

Mobile Home insurance policies like those from Farmers, on the other hand, automatically cover most direct, sudden and accidental perils, and list the few causes of loss that they don’t cover in the policy. These are sometimes called "comprehensive" policies.

Similarly, liability coverage can vary from policy to policy. Not so much in terms of the type of coverage, but in the amount of coverage. You need to be sure that whatever Mobile Home insurance policy you choose provides enough liability coverage to protect you in the event you are sued and a judgment is made against you. That amount may be $100,000, $200,000 or more – not necessarily what comes "standard" with a Mobile Home insurance policy.

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