Enjoy Carefree Mobile Home Living

Property Covered

Your mobile home and separate structures are covered for almost any type of damage, except for a few common sense exclusions such as wear and tear, earth movement, flood and nuclear hazard.

YOUR SEPARATE STRUCTURES … on your residence premises, other than for business purposes, such as a detached garage or tool shed, are covered up to 10% of the amount of coverage on your mobile home.

Optional higher limits are available.

Personal Property

Covers personal property owned or used by a qualified family member anywhere in the world.

ON PREMISES … pays up to 50% of the amount of coverage on your mobile home anywhere else in the world. If your personal property is located at a secondary residence, such as a cabin or vacation home, pays up to $1,000 or 10% of the On Premises coverage, whichever is greater.

While your mobile home is covered for most types of damages, your Personal Property is covered only for damages resulting from the following:

Fire or Lightning
Windstorm or Hail
Explosion
Riot or Civil Commotion
Falling Objects or Aircraft
Vehicles
Smoke Damage
Vandalism and Malicious Mischief
Theft
Weight of Ice, Snow or Sleet
Water or Steam – accidentally discharged from plumbing system or appliances
Damage resulting from bulging, cracking, rupture and burning of steam or hot water heating systems and water heaters
Electrical Damage to appliances and fixtures (but not tubes or transistors)
Freezing of plumbing, heating, air conditioning system, appliances

This is not a policy contract but a general description. The policy itself should be read for the overages and exclusions.

Additional Coverage

TREES, SHRUBS, PLANTS AND LAWNS … pays up to an additional 5% of the amount of coverage on your mobile home and no more than $500 per items for a loss by Fire or Lightning, Explosion, Riot or Civil Commotion, Aircraft, Vehicles not owned or operated by a family member, Vandalism or Malicious Mischief and Theft.

LOSS OR USE … if you can’t live in your mobile home after a covered loss, we cover the additional cost of living in hotels, meals, etc. Pays up to 20% of the amount of insurance on your mobile home as an additional coverage with no deductible.

Family Liability Protection

Pays for bodily injuries to other people, or damage to their property, if you are liable, resulting from:

The acts of your pets.

The personal acts of you and qualified family members, including activities such as sports, hunting or fishing.

The Medical Payments for other people injured on your premises, regardless or liability.

Additional Liability Coverage

EXPENSES … pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees.

Also pays expenses you incur at Farmers’ request, including up to $60 a day for actual loss of wages.

Pays the premium on appeal bonds, bonds to release attachments, and the cost of bail bonds.

EMERGENCY FIRST AID … pays expenses you incur for necessary medical and surgical aid to other people at the time of an accident you’re involved in.

DAMAGE TO PROPERTY OF OTHERS … pays up to $500 for damage to property of others caused by a qualified family member where you are not legally liable

OPTIONAL COVERAGE

Personal Articles Floater: Extends protection for your personal articles when their value is higher than the limits stated in the policy. Pays up to the limit of the appraised value of the article.

Earthquake: Extends protection for damages caused by an earthquake up to the policy limit.