Dwelling

Covers the repair or replacement of your manufactured home if it is damaged by a covered event, such as fire, wind and hail, vandalism, etc.

Example: A windstorm causes a large tree to fall on your home, and you’re looking at a tree trunk on your bedroom floor. Dwelling coverage would pay for the repair to your manufactured home, up to your policy limits.

Other Structures

Pays to repair or replace other permanent structures on your property such as a fence, shed, etc. in the event of a covered loss.

Example: Your tool shed’s roof is damaged during a storm. Other structures coverage would pay for the repair or replacement of the tool shed, up to your policy limits.

Personal Property

Under this coverage, your belongings such as furniture, jewelry, electronics and more may be replaced or repaired if they’re damaged or stolen in a covered event.

Example: You come home to find your manufactured home has been broken into. Your favorite jewelry is missing, as are a laptop and an air fryer, as well. Personal property coverage may pay to replace these stolen items, up to your policy limits.

Personal Liability

Coverage for legal or medical expenses if you’re found liable for someone else’s injuries or property damage.

Example: That big oak tree in your front yard is beautiful...until a storm comes through and it falls right onto your neighbor’s fence. This coverage may pay for the repairs, and any legal fees associated with the incident, up to the policy limits.

Loss Of Use

This coverage may reimburse additional expenses you incur after being displaced from your manufactured home by a covered event.

Example: A fire broke out in your manufactured home, causing a lot of damage. While it’s being repaired, you have to rent a hotel room, pay to board your dog and eat out nearly every meal. The additional expenses you have to pay while your home is deemed unlivable may be reimbursed, up to your policy limits.

Scheduled Personal Property

An extension of the standard personal property coverage, this supplements the limits needed to cover your belongings.

Example: The value of your gun collection exceeds the limits of personal property coverage on your manufactured home policy. Adding a scheduled personal property to your policy will extend this coverage to meet your needs.

Home Systems Protection

This is a low-cost coverage enhancement option to your manufactured home policy that covers the repair or replacement of important systems in your home due to a mechanical or electrical failure. Consider it the cherry on top of your manufactured home policy.

Example: Your refrigerator suddenly has an accidental mechanical breakdown and is not a covered loss on your manufactured home policy. In this instance, Home Systems Protection coverage is a great option to repair or replace the item, up to your policy limits.

Learn more about Home Systems Protection 

Personal Property Replacement Cost

Most policies provide personal property coverage on an actual cash value basis, which factors in depreciation. But you have the option to purchase your personal property coverage on a replacement cost basis, which would provide coverage for the actual dollar amount regardless of depreciation.

Example: Let’s say you purchase a laptop for $1,000 and two years later, it is stolen. On a standard policy with actual cash value, you will receive $800 because the laptop’s value depreciated over those two years. If you’d purchased a personal property replacement cost policy, you would receive $1,000 for the stolen laptop, regardless of depreciation.

Learn more about actual cash value vs replacement cost.