Mobile Home Insurance

Protection for Your Primary Mobile Home Residence

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.

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.

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.

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