That’s particularly true when it comes to physical damage coverage. Some policies only cover specific causes of loss. These named peril policies will give you basic coverage.
We shop for coverage for Mobile and Manufactured Homes that automatically covers most direct, sudden and accidental perils, and lists the few causes of loss that they don’t cover in the policy. These are sometimes called “comprehensive” policies.
Similarly, liability coverage can vary from policy to policy. Not so much in terms of the type of coverage, but in the amount of coverage. You need to be sure that whatever Mobile Home insurance policy you choose provides enough liability coverage to protect you in the event you are sued and a judgment is made against you. That amount may be $100,000, $200,000 or more – not necessarily what comes “standard” with a Mobile Home insurance policy.