Mobile Homeowner

Insurance Protection for Your Mobile Home

Our Mobile Homeowner program provides coverage for your mobile home, related private structures, personal property, additional living expenses, and personal liability. Optional coverages include but not limited to, replacement cost for your contents, mobile homes in transit, and a package endorsement that enhances several coverages.

Coverage & Benefits

Residence – Coverage for the mobile home you reside in.
Related Private Structures – For detached structures on the insured premises.
Personal Property – Protection for your personal belongings.
Liability/Medical Payments – Provides defense and coverage for injury or damage in which you are liable.
Additional Living Cost and Loss of Rents– Provides for expenses that you incur if you cannot live in your mobile home after a covered loss.
Fire Department Service Charge – Charges incurred due to fire departments called to protect your property.
Refrigerated Foods – For refrigerated items that spoil due to loss of power. Included coverage for Preferred Program; optional for the Standard Program.

Inflation Guard – Automatically increases your home limit to protect against increased building costs.
Inland Marine
 – Expanded coverage for your jewelry, guns, fine arts, etc.
Replacement Cost Dwelling – Claim settlement on the mobile home at replacement cost up to the policy limit. This is available for mobile homes nine years of age or newer.
Replacement Cost on Personal Property – Claim settlement for personal property on a replacement cost basis.
Recreational Vehicle – Physical Damage and Liability coverage for acceptable boats, ATVs and snowmobiles.
Trampoline Liability – For trampolines that include a safety net.
Personal Injury – Coverage if you are sued for libel, false arrest, or slander.
Water Back Up and Sump Discharge or Overflow
 – For water damage that backs up through your sewer, drains, or sump pump for owner occupied dwellings.

Mortgage Free – Property without a mortgage or lienholder.
Senior Citizen – 55 years of age and over.

Additional Products


Coverage for owner or tenant-occupied 1-2 family properties 

Inland Marine

Additional coverage for select items to be insured outside of the basic property.


Extra liability protection in addition to your homeowners, automobile, and other personal liability policies. Includes coverage for defense expenses for a liability claim that may or may not result in legal action.