You have heard of homeowner insurance and perhaps also renters’ insurance, but are you aware of your mobile home insurance options? For example, did you know this kind of insurance coverage not only extends to a manufactured home, but also all of its contents as well as ancillary structures located within its immediate vicinity?

Exploring your mobile home insurance options is crucial to protect your hard earned investment. While there is always the possibility water may damage the interior, this form of insurance also protects against the ravages of natural disasters. After all, would you be able to repair the exterior of your mobile home if a tree crashed through the side or if hail damaged the roof?

Some mobile home insurance options may have to be purchased separately, such as insurance coverage when you have the mobile home moved or while it is in the process of being set up at a new site. Remember to contact your insurance agent to verify coverage for this kind of event and also request a written rider that is producible to police and other authorities.

Last but not least, it is an excellent idea to keep a running inventory of your personal belongings that are inside the mobile home. Since the insurance coverage extends to all these goods, it is important for the agent to have an accurate accounting of everything inside your home, its approximate value, and – in the cases of artwork, furs and also jewelry – photos of the items.