Mobile Home Policy

The Mobile Home policy provides outstanding protection for your most important asset - your home.

The policy offers a variety of coverages to protect your Mobile Home and personal property. It also offers protection against possible financial disaster from accidents or injuries occurring on your property or from your personal acts.

Property Coverages

Dwelling

• The mobile home located on the describe premises, including built-in equipment and accessories

Other Structures

• Other structures located on the premises and listed on your policy declarations
• Construction materials at the premises for use with other structures
• Privacy or decorative fences listed on your policy declarations

Personal Property

• Personal property located at the premises
• Automatic coverage for personal property temporarily away from premises

Additional Living Expenses and Loss of Rents

• Covers the increase in your living expenses while your property is being repaired or replaced
• Covers the loss of rents you might incur while the rented portion of the premises is unfit to occupy

Additional Coverages

• Debris Removal
• Emergency Removal of Property
• Necessary Repairs After Loss
• Trees, Shrubs and Plants
• Refrigerated Products
• Outside Radio/Television Equipment and Satellite Dishes
• Credit Card
• Loss Assessment
• Collapse

Personal Liability Protection

Public Liability

• Coverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring on the premises for which the insured becomes legally obligated to pay due to personal acts

Medical Payments

• Provides coverage for medical expenses that arise from accidents or injuries occurring on the insured premises

Damage to Property of Others

• Covers property damage to property of others which you borrow or use

Optional Coverage

Property

• Replacement cost if manufactured in the last 10 years
• Inflation Guard
• Earthquake
• Scheduled Personal Property
• Replacement Cost for Household Personal Property

Liability

• Incidental Business Activities
• Business Pursuits
• Home Day Care Provider
• Incidental Agricultural Activities
• Contractual Liability
• Additional Insured

Portions Reprinted with permission: Grinnell Mutual Group