Mobile Home Flood Insurance

​Mobile homes have their separate insurance policy that one may claim against due to natural calamities like floods. A mobile home insurance policy does not cover water damage due to natural calamities but only water damage like bursting water pipes. Comprehensive car insurance also does not cover mobile homes for flood damages.

Do You Need Mobile Home Flood Insurance?
Natural calamities can happen anytime, and roads and flatlands are prone to floods, so getting covered would lessen your worries when times like this occur. Being covered with this kind of insurance should entitle you from:

• Protection for your personal belongings inside your mobile home
• Building structure protection for your mobile home
• Compensated expenses from living temporarily to hotels or inns if your mobile home is devastated that you cannot live in it anymore

There are different coverage limits and costs for different insurance policies, depending on your location and type of mobile home. Mobile home flood insurance is designed only for flood water damages. It may not cover other calamities like landslides or even water damage from mold or moisture that can damage the mobile home’s structures.

There are also eligible types of mobile homes that can claim mobile home flood insurance:

• A tractor-trailer with a frame, wheels removed and attached to a permanent foundation
• A mobile home with a frame that is attached to a permanent foundation

What Do Mobile Home Insurance Cover?
Mobile home insurance may have more coverage, including proper compensation of the properties and other liabilities if the mobile home is not traveling or in motion.

Types of coverage:

• Personal property that includes personal belongings that have been stolen or damaged
• Mobile home extensions like porch or garage
• Hospitals bill compensation for the people within the mobile home or premises who got injured within your mobile home.
• One’s own medical and legal fees once you are injured or get sued by another person.
• Other expenses include rental expenses if you have to live or sleep somewhere else while your mobile home is damaged and undergoing repair.

Additional options for mobile home insurance coverages :

• Plants, trees, and lawns or the landscape for your mobile home
• Food spoilage due to power outages
• Emergency coverage whenever your mobile home is in motion and is hit by a car or a concrete property.

Conclusion
Mobile homes are not the usual living setup, but homes are built out of it, which needs the same security that can spare them from living with financial strain. There’s a mobile home flood insurance policy you may contact right away to claim and compensate for the damages due to the flood, to rebuild your mobile home, and other expenses it had brought.

At Family Auto Insurance Agency, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (313) 285-9042. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.