- Mobile Home Insurance
- Included Coverage
- Options
- Payment Options
- Get a Quote
Comprehensive protection for you and your home
Insuring mobile homes has been at the heart of our insurance business for more than 45 years. We provide comprehensive coverage specially designed for single-family homes – owner, rental, and seasonal occupancy.
Our program accepts homes that are factory-built – a single-wide, double-wide, triple-wide, or 2-story modular.
- Single-wide, double-wide, triple-wide, 2-story modular
- Wide valuation range
- Comprehensive causes of loss [?]
Comprehensive coverage
Casualty insurance has three components: liability, collision, and comprehensive. The comprehensive portion of the policy protects your vehicle from physical damage caused by anything other than a collision, such as fire, windstorm or vandalism. Theft is also a comprehensive coverage. - Stated value loss settlement [?]
Stated value
In the event of a total loss, the insurance company will establish a value for the damage. Stated value coverage defines the value of the insured property in the policy. In the event of a total loss, the amount listed is the amount page. That avoids any depreciation. - Personal liability included [?]
Liability
In property insurance, liability coverage protects you against claims for bodily injury to someone or damage to the property of someone resulting from your negligence, such as slip-and-fall. - Personal property included
Other mobile home insurance options
- If a comprehensive package of protection is more than you need, we can mix and match coverage. If you only want physical damage coverage to the structure, but not for your personal property, we can do that. We can also exclude liability. Your agent will work with you to be sure that the coverage mix you select truly meets your needs, and that you understand what coverage is excluded from your policy.
- The rental program accepts residential and commercial-use units.
- Our seasonal program covers mobile homes that are used just part of the year.
- A vacant mobile home can be insured through our DP-1 Vacant program.
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.
This program can be endorsed to protect the home when used as a seasonal home or rental property.
What's included?
Comprehensive protection
Your policy covers any cause of loss (fire, lighting, wind, hail, explosion, burst water pipes, and so on) unless that cause is specifically excluded in the policy documents. This kind of coverage is sometimes referred to as "special form" coverage.
Stated value loss settlement
For a total loss, we settle at the stated value of your home which is listed on your policy. There is no depreciation deduction. For a partial loss, we pay the actual cash value of the loss, but you can upgrade that to a replacement cost valuation.
Personal property
Your belongings are protected on an actual cash value basis, but you can upgrade the policy to a replacement cost valuation.
Personal liability
If someone is injured in your home, or if you accidentally injure someone or damage property away from your home, you may be liable.
Additional living expenses
If a covered peril causes sufficient damage that you need to move out, we cover the extra living expenses until repairs are complete or you find a new home.
Additional mobile home coverage
- Reasonable expenses for emergency repairs, such as covering a roof after a storm
- Other structures, such as your shed, detached garage and fence
- Emergency removal
- Collapse
- Fire department service charge
- Antenna or satellite dish
- Trees, shrubs, lawn
- Food spoilage
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.
Breakdown protection expands your mobile home coverage
Today's homes include expensive appliances and integrated technology systems. The unexpected repair or replacement expense can be a real financial blow. Unfortunately, a typical insurance policy excludes failure due to mechanical or electrical breakdown.
American Modern's Breakdown Protection coverage fills that gap, covering the sudden and accidental breakdown of electrical and mechanical systems, those built into the home and others purchased later:
- Central heating and A/C
- Large appliances
- Well or sump pump
- TV and electronics
- Electrical panel
- Computer
What are the benefits?
More losses are covered
A typical insurance policy does not cover mechanical or electrical breakdown. This endorsement fills in that policy gap, and eliminates the need for a separate warranty.
It's simple
With one company insuring both the home structure and the equipment covered by the endorsement, claim filing is easier.
Cost is very low
The cost of the endorsement is far lower than a separate home warranty or service contract.
Extra protection
If covered repairs force your family to temporarily relocate, the policy provides extra expense benefits. Food spoilage and pollutant cleanup are included, too.
American Modern is the first manufactured home insurer to offer this special coverage.
Other options
Builder's risk
Essential for homes just bought from a dealer, and required by some lenders, this endorsement protects your home during the time between loan closing and occupancy.
Earthquake
This hard-to-find coverage is available in nearly all states.
Identity theft recovery
Identity theft is a growing problem with real harm being done to a person's credit report. This special option provides professional assistance and up to $15,000 in expense reimbursement.
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.
Option 1 – start EZPay to automate your payments
Many customers want the convenience of monthly automated bill payments. With EZPay, a withdrawal is made from a bank account you specify, or charged to your credit card. We let you pick the date of the month for the payment (1 to 28). Once EZPay begins, we will stop mailing invoices.
Option 2 – pay after we send you a bill
You can pay in full at the time you start or renew the policy. Pay by personal check, credit card, or bank account transfer.
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.
Talk to an agent
If you want a quote now, or have questions about our mobile home program, call us at 866-884-6167.
Our hours are 8 a.m. to 8 p.m. Monday through Friday.
Ask us to contact you
After hours, fill out this short form with information about your mobile home. One of our agents will follow up with you to talk about the policy cost, the coverage, and your options.
However you first reach us, your business will be assigned to an authorized agent for service and support. We appreciate your interest in American Modern and our specialty insurance programs.
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.
