What’s Typically Covered by Homeowners Insurance?

Quality Coverage For Your Mobile Home

You can help protect your mobile or manufactured home, your belongings and your family with Allstate. The coverage for mobile and manufactured homes is similar to a homeowners insurance policy, but there are some differences. You can talk to an Allstate agent who can help you understand what a mobile home insurance policy can protect.

Learn About Standard Mobile Home Coverage Types

When you're thinking about purchasing insurance for your mobile or manufactured home, it's helpful to understand what your policy protects. Most Allstate mobile home insurance policies include standard coverage types, such as:

  • Dwelling (home structure)
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
  • Personal property
    Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability protection
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical protection
    This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
    Optional Coverage For Your Mobile Home.

You can choose to add optional coverage to your mobile or manufactured home insurance policy. Optional Allstate coverage for mobile homes includes:

  • Personal property reimbursement provision
    Typically covers your belongings for the amount it would take to replace them at the time of the claim.
  • Fire department coverage
    Helps cover charges made by fire departments called to protect your property from a loss covered by your policy.
  • Extended coverage on jewelry, watches and furs
    Increases coverage limits for jewelry, watches and furs.
  • Business pursuits
    Extends coverage for specified business pursuits of an insured person—e.g., classroom teachers and clerical office employees.
  • Satellite dish antennas personal property protection
    Helps pay for sudden and accidental direct physical loss to satellite dish antennas and their systems.
  • Trip collision coverage
    Insures your home as it is being transported from the factory to your location.
  • Vendor's single interest coverage
    Protects against collision during transportation and various types of fraud, including a lienholder's right to repossess the manufactured home.
  • Mine subsidence insurance
    Covers the movement or collapse of land caused by manmade underground mines. This may be a mandatory coverage in some counties.
  • Identity restoration coverage
    Coverage that can help in the event your identity is stolen.

In addition to optional coverage you can add to your mobile home insurance, there are also other policies you might consider purchasing, like flood insurance and personal umbrella insurance. To discuss your options and understand what your insurance can cover, find an agent.

Get Dependable Coverage And Discounts

Save on mobile or manufactured home insurance with discounts from Allstate. There are many ways you can save on your already affordable monthly premium with discounts like:

  • Original owner discount
    If you're the original titleholder of your mobile or manufactured home, you could save up to 5% a year.
  • Multi-policy discount
    Save up to 15% when you insure more than just your mobile home with Allstate.
  • Protective device discount
    Installing protective devices, like a home security system, in your manufactured home can help you save up to 15%.
  • 50 and retired discount
    If you're over the age of 55 and retired, you could save up to 10%.

Contact us to learn about all the discounts available to help you save on mobile or manufactured home insurance.

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