Manufactured Home Insurance Coverages
Coverages on a manufactured home policy are designed to protect you financially from a loss to your home, belongings or property damage to others resulting from a covered loss.
Included Coverages
Dwelling
Covers the repair or replacement of your manufactured home if it is damaged due to a covered event, such as fire, wind and hail, vandalism, etc. Example: A windstorm causes a large tree to fall on your home and you’re looking at a tree trunk on your bedroom floor. Dwelling coverage would pay for the repair to your manufactured home, up to your policy limits.
Other Structures
Pays to repair or replace other permanent structures on your property such as a fence, shed, etc. in the event of a covered loss. Example: Your tool shed’s roof is damaged after a storm. Other structures coverage would pay for the repair or replacement of the tool shed, up to your policy limits.
Personal Property
Under this coverage, your belongings such as furniture, jewelry, electronics and more, may be replaced or repaired if they’re damaged or stolen in a covered event. Example: You come home to find your manufactured home has been broken into. Your favorite jewelry is missing, a laptop and an air fryer are missing, as well. Personal property coverage may pay to replace these stolen items, up to your policy limits.
Personal Liability
Coverage for legal or medical expenses if you’re found liable for someone else’s injuries or property damage. Example: That big oak tree in your front yard is beautiful…until a storm comes through and it falls right onto your neighbor’s fence. This coverage may pay for the repairs, and any legal fees, associated with the incident, up to the policy limits.
Loss Of Use
This coverage may reimburse additional expenses you incur after being displaced from your manufactured home due to a covered event. Example: A fire broke out in your manufactured home causing a lot of damage. While it’s being repaired, you have to rent a hotel room, pay to board your dog and eat out nearly every meal. The additional expenses you have to pay while your home is deemed unlivable, may be reimbursed up to your policy limits.
*This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions.
