Products

Policies vary among mobile home owners, but standard coverage often includes the following:

• Property protection helps insure your mobile home and any adjacent structures on your premises (attached patio, deck, shed, etc.) against losses due to fire, windstorm damage, and damage from falling objects, lightning, and explosions.
• Personal prope

Policies vary among mobile home owners, but standard coverage often includes the following:

• Property protection helps insure your mobile home and any adjacent structures on your premises (attached patio, deck, shed, etc.) against losses due to fire, windstorm damage, and damage from falling objects, lightning, and explosions.
• Personal property protection will typically cover losses for removable property such as electronic equipment, bicycles, furniture, and clothing up to a certain amount.
• Personal liability protection covers losses if someone is injured or something is damaged on your property. A policy may pay for medical expenses for nonresidents of your home and damages or defense costs resulting from other covered incidents.
• Loss of use of your mobile home helps cover costs, such as additional living expenses, if your mobile home becomes uninhabitable following a covered event.

Contact our agency today to learn more about your coverage options.

The National Flood Insurance Program (NFIP) underwrites most flood insurance. If your community participates in the NFIP, you may be able to purchase an NFIP plan. Usually, you can buy NFIP plans through a major insurer or the NFIP Direct system.

NFIP plans must comply with federally established standards. There are two types of coverage: 

The National Flood Insurance Program (NFIP) underwrites most flood insurance. If your community participates in the NFIP, you may be able to purchase an NFIP plan. Usually, you can buy NFIP plans through a major insurer or the NFIP Direct system.

NFIP plans must comply with federally established standards. There are two types of coverage: structure insurance, which protects your house, and contents coverage, which insures your possessions. There may also be coverage for debris removal costs, loss avoidance, and cost of compliance.

You may be able to receive compensation for your losses and reduce your flood recovery costs by filing a claim on your flood insurance plan. Flood insurance doesn’t usually take effect until 30 days after purchase. However, if your lender requires that you have flood insurance to make, increase, extend, or renew your loan, then there’s no waiting period.

Many homeowners must buy flood insurance if they live in a designated high-risk flood zone or have a mortgage backed by a federally insured lender.

Some lenders may require their mortgage holders to purchase flood insurance regardless of living in a high-risk zone. In addition, coverage is necessary if you live in a high-risk flood zone an

Many homeowners must buy flood insurance if they live in a designated high-risk flood zone or have a mortgage backed by a federally insured lender.

Some lenders may require their mortgage holders to purchase flood insurance regardless of living in a high-risk zone. In addition, coverage is necessary if you live in a high-risk flood zone and have ever received disaster assistance through FEMA or the U.S. Small Business Administration.

Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. There are usually additional coverages or endorsements, also called riders, that you can add to the

Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection.

While purchasing a home insurance policy may not be mandated by the federal, state, or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate homeowners insurance is always a good idea, as the policy can help financially protect you if you experience a covered accident or other loss.

While purchasing a home insurance policy may not be mandated by the federal, state, or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate homeowners insurance is always a good idea, as the policy can help financially protect you if you experience a covered accident or other loss. Without home insurance, you may be left to cover the replacement or repair costs on your own following an incident.

Renters insurance provides protection against property loss and liability if you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each.

• Property protection—Renters insurance covers your possessions against damage from things such as fire, smoke, lightning, vandalism, theft, and water dam

Renters insurance provides protection against property loss and liability if you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each.

• Property protection—Renters insurance covers your possessions against damage from things such as fire, smoke, lightning, vandalism, theft, and water damage—but not flooding—to name a few. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car or lost or damaged anywhere you happen to be. Talk to your agent today to learn more about additional property protection options, such as flood and earthquake insurance and scheduled items riders.
• Liability protection—The liability portion of a renter's insurance policy helps protect against claims of third-party bodily injury or property damage caused by you or another person listed as insured on your policy. It may also help pay for medical bills if someone has an injury in your rental. Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence or elsewhere.

Some renters insurance policies pay a tenant’s temporary living costs if they need to live elsewhere because of a fire, severe storm, or other covered disaster. This coverage may include hotel bills, temporary rentals, restaurant meals, and other living expenses. Talk with your insurer about whether your renters insurance has this inclusion.