Mobile home insurance from a local, family-owned agency.

We accept new and old mobile homes, manufactured homes, park models, modular homes, rental mobile homes and vacant mobile homes.

The Difference In Coverage For Mobile And Manufactured Homes

There are coverage specifics on a mobile home insurance policy that apply to a mobile or manufactured home. Because of this mobile home insurance is different than a standard homeowners policy.  Below are a few coverage terms that may apply to your property:

Comprehensive Coverage

Covers most direct, abrupt and accidental physical losses to your mobile home unless they’re specifically excluded in your policy.

Agreed Loss Settlement

If your manufactured or mobile home is destroyed by an insured loss, you receive the full amount of insurance for your home (minus any applicable deductible).

Liability Coverage

This provides coverage if you’re found legally responsible for an accident that causes injury or property damage to someone who doesn’t live in your mobile home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage.

Optional Replacement Cost

Reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation. In most states, you can receive up to an additional 20% of the amount of insurance for your home if needed to replace your home

If your Virginia mobile or manufactured home has a permanent and solid foundation (brick or concrete) then you may qualify for a homeowners policy based on replacement cost.

Discounts

• Multi-policy
• Approved Mobile Home Park
• New Home Discount
• Paid In Full
• Security and Fire Alarm Credits

To get the insurance you need to protect your mobile home, and to determine which coverage best works for you, contact us today.

Get Started Today

As an independent agency, we are here to help you find the right Mobile Home Insurance coverage.