If you live in a mobile home, you must protect yourself like any other homeowner against damage to your home, personal property, and liability. However, mobile homes differ from single-family homes. Therefore, policy options, eligibility criteria, premium costs, and coverage for unique aspects of mobile homes, such as transportability and materials used, differ from those of typical homeowners insurance.
Mobile Home Insurance is tailored for mobile or manufactured homes, offering coverage specific to their structure and risks.
Property Protection
Mobile home insurance protects you from various standard risks, often referred to as “perils,” resulting in damage or destruction of your home, adjacent structures, and personal property. It provides for repair or replacement caused by:
- Fire – including damage from smoke and water used to put out a fire
- Weather – lightning, windstorms, hailstorms, tornadoes
- Equipment Failure – damage from bursting of heating, plumbing, or hot water systems
- Electrical Surge Damage
- Explosions
- Glass Breakage
- Falling Trees and Objects
- Collapse of Roof or Walls
- Damage by Vehicles
- Theft or Burglary
- Vandalism and Malicious Mischief
Your mobile home policy does not cover your home while being transported. If you decide to move your home, please contact us to purchase the necessary protection.
NOTE: A mobile home policy does not cover floods. You need a flood insurance policy to protect your property.
Liability Protection
We live in a litigious society where lawsuits are common. What happens if a neighbor slips and falls on your steps, breaking a leg and hitting his head? Your mobile home policy protects you if you’re found responsible for unintentional injuries to another person or damage to property. This coverage applies whether the accident occurred on your property or elsewhere. This protection applies to all family members living in your household. Liability protection covers medical expenses, other compensation awards for injuries, and the costs of a liability lawsuit for a covered incident.
Determining Your Needs
Answering these questions can help you determine your insurance needs. If you need more details, a Murphy Insurance professional can assist you.
- When does my coverage need to start if my home is in transit?
- Should I consider whether my mobile home is eligible for replacement cost vs. actual value?
- How much will it cost to replace or repair the contents of my home?
- Do I need replacement value cost rather than cash value coverage protection for my personal property?
- Do I need flood insurance?
- How much protection should I have to cover liability and medical expenses for visitors who are injured on my property?
- Do I have valuable items that could exceed limits in my policy that I should “schedule,” such as jewelry, fine art, antiques, electronics, or other special items?
- Do I need extra protection to cover my home business contents and liability for meeting clients at my home?
- Do I want emergency removal protection in the event of an oncoming fire or other peril?
Special Discounts
Insurance companies provide discounts in certain qualified situations. Based on your information, your trusted professional works to maximize all discounts for which you are eligible. These may include discounts for:
- Burglary protection devices
- Smoke detectors
NOTE: This information is only a general description of the available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Some coverage may be subject to individual insureds meeting underwriting qualifications and to availability within a state. For further information, contact a Murphy Insurance Agency professional.
Read Our Homeowners Insurance Blog Posts
How Insurers Calculate Premiums
Daylight Saving Time Change: A Perfect Reminder to Check Your Smoke and CO Detectors
Contact Us
Communities
Murphy Insurance Agency provides insurance solutions across Massachusetts and New England. Where you live is not a barrier to our assisting you. We are proud to serve the communities where our customers live and work, including Acton, Ashland, Ayer, Bellingham, Berlin, Blackstone, Bolton, Boston, Boxborough, Boylston, Chelmsford, Clinton, Concord, Devens, Dunstable, Fitchburg, Foxborough, Framingham, Franklin, Groton, Harvard, Holliston, Hopedale, Hopkinton, Hudson, Lancaster, Leominster, Littleton, Lunenburg, Marlborough, Maynard, Medfield, Medway, Mendon, Milford, Millis, Millville, Natick, Norfolk, Northborough, Northbridge, Pepperell, Sherborn, Shirley, Shrewsbury, Southborough, Sterling, Stow, Sudbury, Townsend, Upton, Uxbridge, Wayland, Westborough, Westford, Weston, Whitinsville, Worcester, and last but not least, Wrentham.
About Us
Get A Quote
- Quote Overview
- Auto Insurance Quote
- Homeowners Insurance Quote
- Condominium Insurance Quote
- Renters Insurance Quote
- Umbrella Liability Quote
- Valuables Coverage Quote
- Boat Insurance Quote
- Business Insurance Quote
- Employee Benefits Quote
- Life Insurance Quote
- Disability Insurance Quote
- Long-Term Care Insurance Quote
- Other Insurance Quote
Resources
Personal Insurance
Business Insurance
Legal
Read Our Blog
Recent Posts
- Decorate Safely During the Holidays November 26, 2024
- Thanksgiving Safety Tips for a Happy Holiday November 22, 2024
- Vehicle Breakdown Safety Basics November 20, 2024
- How Insurers Calculate Premiums November 13, 2024
- Preventing Drowsy Driving November 5, 2024
- Daylight Saving Time Change: A Perfect Reminder to Check Your Smoke and CO Detectors October 23, 2024
- Why Flood Insurance is Essential: Lessons from Hurricanes Helene and Milton October 21, 2024
- Defensive Driving to Avoid Deer Collisions October 5, 2024
- MA Dept of Industrial Accidents New Notice Requirements September 10, 2024
- Factors Affecting Your Car Insurance Rate September 6, 2024
- Why Personal Liability Insurance is Essential for Homeowners, Condo Owners, and Renters August 14, 2024
- Recognize Spam and Phishing Emails August 5, 2024
- How Distracted Driving and Texting Impact Your Auto Insurance Premiums July 17, 2024
- Keep Your Home Safe While on Vacation June 26, 2024
- 5 Tips for Adding a Teen to Your Auto Policy June 21, 2024