Mobile Home Insurance in St. Peters, MO
If you own a mobile home or are considering purchasing one, you need an adequate insurance policy to serve as financial protection against the unexpected. Whether you live in your mobile home seasonally or year-round, it’s essential to understand your insurance options. 
What Is Mobile Home Insurance?
Mobile home insurance is typically purchased to protect one’s mobile home or manufactured home financially. It is similar to standard homeowners insurance but is explicitly designed to manage the risks associated with owning and living in a mobile home.
What Does Mobile Home Insurance Cover?
Mobile home insurance typically offers the following coverage options:
- Dwelling coverage can financially cover the physical structure of the mobile home against covered incidents, such as fire, wind or lightning. This type of coverage typically helps pay to repair or rebuild damaged areas, such as walls, floors, the roof and windows.
- Home extensions and additional structures coverage can help pay to repair or replace additional structures on your property, such as sheds, garages or porches.
- Personal property coverage can help financially protect your property, including furniture, electronics, kitchen appliances and other valuables.
- Personal liability coverage can help cover legal or medical expenses if you are held liable for damaging another person’s property or injuring them.
- Additional living expenses coverage can help pay for temporary living arrangements if your mobile home is temporarily uninhabitable due to a covered incident.
Do I Need Mobile Home Insurance?
Mobile home insurance is typically not legally mandated; however, your lender may require it. Even if you buy your mobile home outright, insurance is still a smart choice to protect your investment and your assets.
Learn More
Contact Cloverleaf Insurance today to discuss mobile home insurance. We can make policy recommendations based on your specific mobile home, property and potential risks.