Mobile Home Insurance: Home Sweet Home

As a mobile home owner, you have different concerns than a traditional home owner. We've got mobile home insurance to help protect you and your home from some of the unique risks you face.

Mobile home insurance from COUNTRY Financial provides coverage for your: mobile home, belongings (up to certain limits), additional living expenses if you can't live in your home after a claim, and liability risks. Coverage is only available in Illinois.

Coverage for other structures and equipment (like porches, utility sheds, water pumps, etc.) can be added for an extra cost.

Your mobile home and belongings

Your policy will provide coverage for your mobile home, other structures and belongings against specific risks. If you have a covered loss, you'll have coverage for the cost to repair or replace the damaged property, minus depreciation, up to the amount of insurance you carry.

The policy provides coverage for things like:

• Fire or lightning
• Theft or vandalism
• Wind or hail
• Damage from frozen plumbing
• Spoilage of refrigerated products due to power outage

Coverage for high value items

Some of your possessions are only insured up to specific limits.  Some examples:

• Money and other forms of currency: $100
• Boats and boating equipment: $500
• Jewelry, watches and furs: $1,000
• Guns: $1,000

Liability insurance

Liability coverage is automatically included with your policy and helps protect you if someone is injured on your property, you’re responsible for damages to someone else’s property, or you’re sued and have legal defense costs.

• Choose liability limits up to $1 million
• Add a personal umbrella liability insurance policy if you need more than $1 million in coverage¹

Medical coverage

Medical payments coverage pays for others’ medical costs if they are injured in a covered accident. You can choose up to $25,000 in coverage.

You can save money on your insurance if certain safety or age requirements are met. Talk to a COUNTRY Financial representative to see if you qualify for:

An alarm discount is available if your home is equipped with certain fire prevention equipment.

With our age discount, you can save extra money if your mobile home is less than 6 years old.

You may qualify for a tie-down discount if you have certain frame tie-downs, over-the-top tie-downs, and/or skirting.