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Information on mobile home insurance

Mobile home insurance is designed to cover three different types of loss. These are, theft of a person's belongings, damage to the mobile home due to adverse weather or fire and injury liability, which is cover for potential injury to another person that is the fault of the policy owner. It is not surprising that a mobile home costs much more to insure than the average house, this is because the mobile home's general construction differs massively from a residential property and is much more suceptible to weather damage.

There are a number of different types of mobile home insurance policy, depending on what the individual person needs. For instance, A Named Peril insurance policy covers the loss or damage to a person's belongings in the event of a fire, transportation and adverse weather conditions. A Comprehensive Policy covers losses as a result of damage to the actual mobile home. A comprehensive Policy does have strict criteria in order to make a successful claim. Firstly, the damage must be as a result of an accidental or sudden event. The cause of the damage should also not appear in the exempt section of your policy.

Mobile home insurance that features personal liability cover will protect you against being taken to court and sued for damages as a result of another person having an accident or suffering loss of belongings while staying in your mobile home. You can also add a living expenses cover to your mobile home insurance if you want too. This covers any financial loss you may suffer in the case your mobile home is rendered uninhabitable. This may also include funds for moving expenses in the event you cannot return to your mobile home.

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