Mobile Home Insurance Questions

Mobile Home Insurance Questions

Q. Does your homeowner's insurance cover mobile homes?

A. Mobile homes are covered under insurance policies, which include homeowner's insurance. The resident's homeowners policy typically insures mobile homes. Ask your agent or organization what sort of policy you will be subject to. You may want to have an experienced insurance lawyer to review your policy.

Q. What did happen to the title of my mobile home? How do I qualify for the replacement title class?

A. Contact the Department of Housing and Community Relations, Manufactured Housing Division, if you would like to find out your manufactured home's current status. Additional details and contact numbers are available at http://www.tdhca.state.tx.us/mh/faqs-sol.htm.

Q. Do I get compensation for my increase in additional living expenses?.

A. Many mobile home insurance plans reimburse you for your extra living costs should a peril covered by the policy cause a mobile home's destruction or harm. Review your insurance policy or talk with an experienced insurance attorney.

Note: Coverage varies between all plans. To clarify your particular coverage, read your contract carefully, or speak to your agent or insurance firm.

Q. Our mobile home was severely destroyed by an explosion. Is my mobile insurance there to cover the damage?

A. Yes, as long as your insurance policy permits that. Fire, smoke, and explosion are protected by accident coverage.

Q. Is smoke loss covered by your insurance?

A. Mobile homeowners' insurance plans most often include harm caused by smoke.

Q. Does my mobile home insurance provider reimburse me for costs I incur for the emergency response services of the fire department?

A. In the case of a fire, you can be reimbursed for any service charges.

Q. The fire caused me to lose my trees and roof. If my mobile were to be destroyed, would my carrier pay to remove the damage to my house and tree?.

A. Fire is an immediate risk, and the insurance will take care of damage caused by the fire. The tree will be protected if it falls within the policies. Besides, most mobile owners' plans do not include complete compensation for clean-up from debris. Some insurance providers can expand coverage on an optional basis.

Q. My mobile home's walls were burned away by a fire. Do I earn the full sum of my insurance policy?

A. Please read your contract or speak to your agent or insurance firm to see your policy's face amount. Insurance policies protect the insured up to the specified limits in the policy if the property is considered a complete loss in the event of a covered peril. Insurance companies often underpay valid insurance claims. Speak with an experienced insurance attorney.