By Taylor Swyers

Your home deserves the proper protection, and many mobile homeowners are unaware that there are various unique differences between homeowners insurance and mobile home insurance. If you own a mobile home or have been thinking about taking the plunge into ownership, here are some tips to ensure you get the coverage that fits your needs.

A mobile home differs from a modular or manufactured home. Kansas statute defines a “mobile home” as a structure that is not subject to the federal act and which is transportable in one or more sections which, in the traveling mode, is eight body feet or more in width and 36 body feet or more in length and is built on a permanent chassis and designed to be used as a dwelling, with or without a permanent foundation, when connected to the required utilities, and includes the plumbing, heating, air conditioning and electrical systems contained therein.

Mobile home insurance provides two basic policies: coverage for physical damage and personal liability coverage, according to the Insurance Information Institute. Mobile home policies typically cover everything regular homeowners insurance covers, but it is specialized because your home is in transit. It is important to note that while your mobile home may be in transit and not at a standstill, most insurance policies will not cover any damage done to the mobile home. Here are the most common insurance policies offered for most mobile homes.

Physical damage policy means that any physical damage done to your mobile home or other personal belongings resulting from a fire, falling objects, vandalism, storm or theft will be covered. These are all types of damage out of a person’s control. Check with your insurance provider to learn of the potential damages your home might sustain.

Personal liability coverage means that if someone files a claim or lawsuit that they were injured at your site or their property was damaged at your site, you will be protected in the prosecution. In shorter terms, these problems can arise when someone is damaged because of your activities. For example, wages aren’t met, medical expenses aren’t paid, etc.

Peril policies are specified policies created for you that only cover a specific type of loss and nothing else. Be careful creating your policy, and make sure that you know what exactly is being covered.

If you are interested in purchasing mobile home insurance, contact us at TrustPoint Insurance & Real Estate. You may be able to qualify for a discount if you also have auto or other insurance.