Tag: mobile home

Have You Reviewed Your Mobile Home Insurance Recently?

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If you haven’t reviewed your mobile home insurance in the last year, now is the time! Mobile home insurance is a policy designed to help repair or rebuild your mobile home if a covered event occurs.

If your policy hasn’t been updated recently, it may be insufficient to cover all the repairs or replacements needed to make your home livable again. At Peninsula Underwriters Insurance Agency, serving Gainesville, FL, we’re here to help you review your policy to ensure your mobile home insurance meets your current needs.

Why Should You Review Your Mobile Home Insurance?

Costs change over time, and home upgrades can affect the amount you might need to spend to repair your mobile home. Regularly reviewing your mobile home insurance helps ensure your policy will be sufficient to cover all expenses after a covered disaster occurs.

How Can You Review Your Mobile Home Insurance?

To review your mobile home insurance policy, start by contacting your insurance agent at Peninsula Underwriters Insurance Agency. Our insurance professionals can provide you with the most recent copy of your policy, allowing you to see your coverage levels. Your agent can also answer any questions you have, helping you understand what to consider as you review your mobile home insurance.

What Should You Do If You Need to Update Your Mobile Home Insurance?

If you need to update your mobile home insurance policy, the professionals at Peninsula Underwriters Insurance Agency, serving Gainesville, can assist you. We’ll help you determine what changes need to be made to ensure you have adequate coverage in case of a disaster. Call today to speak with one of our insurance professionals.

What Perils Does a Mobile Home Policy Cover?

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Your mobile home in Gainesville, FL, can enjoy the same level of coverage as many single-family homes when you opt for mobile home coverage from Peninsula Underwriters Insurance Agency. Similar to an HO-1 or HO-2 policy, mobile home coverage provides named peril coverage, meaning it only covers the perils explicitly listed in the policy documents.

Perils Covered Under Mobile Home HO-7

Each type of home insurance carries an HO designation. For mobile homes, it’s HO-7, which covers 11 common perils, the same ones covered under HO-1 coverage, the basic level of insurance for a single-family home. A typical mobile home policy covers the following perils:

  • Accidental discharge or overflow of water or steam
  • Damage caused by another person’s vehicle
  • Falling objects
  • Fire or lightning
  • Frozen plumbing
  • Rioting
  • Smoke damage
  • Theft
  • Vandalism
  • Weight of ice, sleet, or snow
  • Windstorm or hail

If a peril is not listed among the named perils in the policy documents, it is not covered by the policy.

Mobile home coverage related to these perils includes insurance for the mobile home’s physical structure, other structures on the property, such as a deck or porch, and your personal belongings. Some policies also include additional living expenses coverage, which pays for your hotel and daily expenses if you must temporarily move out of your home while it undergoes repairs due to damage from a named peril. Although unrelated to named perils, these policies also include coverage for personal liability and medical payments.

Contact Us Today

Reach out to Peninsula Underwriters Insurance Agency today to secure your mobile home policy. Let us help you protect your Gainesville, FL, home investment. Ask us how to schedule coverage to protect items from perils not named in the policy.