Mobile home insurance

Similar to conventional home insurance, mobile home insurance protects you in four basic ways:

Enables you to repair/replace or get actual cash value for your mobile home (depending on its age)
Allows you to replace your property (furniture, clothes, appliances etc.) if it is destroyed, stolen or damaged
Covers injuries that happen to other people or their property while in your home (for which you may be held liable)
Covers your additional living expenses if you're forced to leave your home because of a claim

Mobile home insurance also insures your personal property while it is temporarily off site (i.e. while you're traveling). Note that most insurance policies have "special limits" for things like cash, jewelry, watercraft and bicycles. As well, possessions left in, on or attached to a motor vehicle usually have a limit. Depending on your circumstances, you may want to consider insuring items such as bicycles or computers with additional coverage.

Things to consider

Before purchasing mobile home insurance, consider the following questions:

What would it cost to replace your mobile home?
What would it cost to replace the contents of your mobile home?
Do you have an inventory (825 KB PDF download) and photographs of your personal possessions?
What kind of protection do you have against liability claims?
Do you have items that should be insured with special coverage (i.e. silverware, jewelry, laptop computers, sporting equipment)?
Does your mobile home have a fire extinguisher, deadbolt locks or other money-saving safety features?
Is your mobile home located within 1000 feet of a fire hydrant?