Mobile Home Program Insurance Protection for Your Primary Mobile Home Residence

Included Coverage:

  • Residence – Coverage for the mobile home you reside in.
  • Related Private Structures – For detached structures on the insured premises.
  • Personal Property – Protection for your personal belongings.
  • Liability/Medical Payments – Provides defense and coverage for injury or damage in which you are liable.
  • Additional Living Cost and Loss of Rents – Provides for expenses that you incur if you cannot live in your mobile home after a covered loss.
  • Fire Department Service Charge – Charges incurred due to fire departments called to protect your property.
  • Refrigerated Foods – For refrigerated items that spoil due to loss of power. Included coverage for Preferred Program; optional for the Standard Program.

Optional Coverage:

  • Inland Marine – Expanded coverage for your jewelry, guns, fine arts, etc.
  • Replacement Cost on Personal Property – Claim settlement for personal property on a replacement cost basis.
  • Recreational Vehicle– Physical Damage and Liability coverage for acceptable boats, ATVs and snowmobiles.
  • Trampoline Liability – For trampolines that include a safety net.
  • Personal Injury – Coverage if you are sued for libel, false arrest, or slander.
  • Water Back Up and Sump Discharge or Overflow – $1,500 Included, Additional water damage that backs up through your sewer, drains, or sump pump for owner occupied dwellings available.
  • Added Perils for Refrigerated Food Products – Payment for direct loss to covered property stored in a freezer or refrigerator due to loss of power.
  • Personal Injury – Coverage if you are sued for libel, false arrest, or slander.
  • Recreational Vehicles – Physical Damage and Liability coverage for acceptable boats, ATVs and snowmobiles if insuring your primary residence in this program.
  • Related Private Structures – Covers detached structures on the insured premises.
  • Trampoline Liability – For trampolines that have a safety net.
  • Tree Removal – For fallen trees due to wind.

Available Discounts:

  • Claims Free - This discount is earned while insured with HMIC on a continual basis (Renewal).
  • Senior Citizen - This discount applies if this home is their primary residence and when the named insured is age 65 or over.
  • Home/Auto Discount - This discount applies if the home is their primary residence and Agent provides a copy of a personal auto declaration page or copy of a personal auto application.
  • Protective Devices - Use of a protective device warning system to notify a central station off-premise on a 24-hour alarm system may qualify for a discount.

Please contact Homestead Mutual and/or your agent for more information on this program.