Mobile Home Insurance

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Did you know that mobile homes are often at more risk than a typical home or apartment? Mobile home insurance is the best way to protect your home and possessions from these risks.

There are several hundred mobile home communities in Illinois. In fact, 7% of all homes in Illinois are mobile homes. While mobile home ownership is a popular choice in the state, finding the right coverage can be complicated if you don’t have an Illinois insurance agency in your corner!

Luckily you have Reliant Agency. We help match mobile home owners in Rolling Meadows and other Chicago, Illinois suburbs with cost-effective mobile home insurance.

So…

What is mobile home insurance?

Mobile home insurance policies offer coverage for mobile homes and manufactured homes. Coverage includes property damage liability, bodily injury liability and personal property coverage. Mobile home insurance is similar to home insurance, but offers more specified coverage because mobile homes have different risks than traditional houses. For example, mobile homes are more likely to sustain weather-related damage caused by high winds or tornados because they are lightweight and don’t have a stable foundation.

What does Illinois mobile home insurance cover?

Mobile home insurance in Illinois can protect you from both damage and liability. These policies typically cover:

  • Weather-related damage caused by fire, hail, wind, etc.
  • Vandalism
  • Theft
  • Medical expenses if someone is injured in your mobile home
  • Water damage
  • Other structures on your property like garages and tool sheds
Why do you need mobile home insurance?

There are two main reasons why you could benefit from mobile home insurance coverage:

  • Mobile homes are at higher risk of damage. Manufactured homes are extremely lightweight compared to traditional homes and do not stand on a sturdy foundation. This means that a storm that may not cause any damage to a traditional home can cause significant damage to a mobile home.
  • Mobile homes are small. The average single wide mobile home ranges from 400-1400 square feet while the average size of a 3 bedroom house in Illinois starts at 1600 square feet. The smaller the home, the harder it is to contain damage by disasters like fires. While larger homes may be able to avoid significant damage by containing a fire to one room or a section of the home, this is nearly impossible to do in mobile homes.

Regardless of what type of home you own in Illinois, you deserve affordable, comprehensive coverage. At Reliant Agency, we protect you from the unexpected. Whether you live in a mobile home in Des Plaines or a manufactured home in Arlington Heights, we can help you find the coverage you need without paying an arm and a leg.

Mobile Home Insurance - Mobile Home with a Garden and Deck

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