What is mobile home insurance?

Mobile or manufactured homes are a different breed of housing. Because most are not built on a continuous concrete foundation -- and thus are mobile -- they are considered personal property. Mobile homes have a vehicle identification number. Often an insurance company will require that the mobile home be declassified as a vehicle in order to insure it. (We are not talking about a motor home which is truly a home on wheels and moves under its own power.)

Mobile home insurance is a specialty policy designed for these types of structures. Like at homeowners insurance policy, package mobile home insurance coverages include coverage for the home, personal effects, other structures, loss of use and personal liability. In addition, you may be able to get coverage while the home is in transit, but this is not normally covered in the standard mobile home insurance policy. Also, depending where the mobile home is located, certain perils may be excluded like hurrican or wind damage if you live in Florida or earthquake coverage if you live in certain ares of California.