Manufactured Home

Policy feature

What it means

Policy overview

Protection

All-risk comprehensive coverage means you are protected unless the cause of loss is specifically excluded by the policy.

Settlement

For a total loss, your settlement is for the stated value of you home as listed on your policy.
We pay the actual cash value for a partial loss, but you can upgrade to replacement cost.

Residence description

Wide eligibility

•   No age restriction
•   Single family
•   Owner occupied
•   Fair or better condition, showing proper maintenance

Included coverage

Personal liability

If a guest is injured in your home, or if you accidentally injure someone or damage property away from your home, you may be liable.  We offer several coverage limits.

Personal property

We protect your belongings for the actual cash value, but you can upgrade to replacement cost.

Other structures

We cover your shed, detached garage and fence.

Reasonable repairs

We reimburse reasonable expenses for repairs made to prevent additional damage, like covering a roof after a storm.

Additional living expenses
Collapse
Emergency removal
Fire dept. charge
Antenna/satellite dish
Trees, shrubs, plants, lawns
Food spoilage

The Enhanced Coverage endorsement increases the standard limits for these items.  It’s included in many programs.

Optional coverage

Builder’s risk

To close your loan, your lender may require coverage for the time between the purchase and when you take occupancy. 

Mechanical and electrical breakdown

This valuable and unusual coverage extends coverage to your major appliances, HVAC and electronics.

Earthquake

This hard-to-find coverage is available in nearly all states.