Mobile Home Insurance: Protecting Your Share of the American Dream
You are the king of your castle, and it doesn’t matter that your castle isn’t a proverbial mansion on a hill. You’ve worked hard to build a home for yourself and your family, and like any other homeowner, you need to protect your investment with proper home insurance.
In fact, we believe that every mobile home needs comprehensive mobile home insurance from Escobar Insurance to truly feel like...home.
Mobile Homes Have Unique Coverage Needs
Mobile homes—especially older ones—involve their own unique set of risks and liabilities. At Escobar Insurance, we’re here to answer all your questions about mobile home insurance and to help you sort through all your coverage options and needs.
What Does Mobile Home Insurance Cover?
Like a typical home insurance policy, mobile home insurance can provide comprehensive coverage from a range of perils:
- Losses from Wind and hail damage
- Losses due to collapse under the weight of ice or snow
- Losses caused by stray or wild animals
- Losses caused by busted pipes
- Losses due to theft
- Losses due to vandalism
- Losses due to explosion
- Losses due to landslide
- Losses due to vandalism
- Losses due to fire
Mobile home or manufactured home insurance not only covers your mobile home; it also covers detached structures on your property, such as carports and garages.
As you can see, there is significant overlay between the two policy types. However, some perils covered by mobile home insurance aren’t covered by standard home insurance and vice versa.
A proper mobile home insurance policy should also include a liability provision. Liability insurance protects you, the homeowner, against lawsuits arising from bodily injury or property damage incurred by others while on your property. If you were sued and judged legally culpable for such losses, liability would help pay for:
- Property damage to the effected person(s)
- Pain & suffering of the effected individual(s)
- Lost wages incurred because of the injury
- Medical bills incurred because of the injury
Personal property insurance will reimburse you for the actual cash value for any belongings you lose that are covered by the policy.
Escobar Insurance is Your Trusted Alabama Insurance Agency for Mobile Home Coverage
At Escobar Insurance, we feel privileged to partner with clients throughout the Lone Star State. We work hard to exceed client expectations, and we’re devoted to being a dependable resource for each policyholder filing claim. When you need us most, we’ll be there to help every step of the way. This is our promise to every policyholder.