We will work off of a Coverage Checklist for Manufactured Home Insurance when reviewing coverage with you. It will help us figure out what’s most important to you and helps you understand how you are covered. Below is a copy of the checklist we use for Manufactured Home Insurance. Even if you don’t buy from us please use this checklist to make sure you have the coverage you want and need.

Property	_______
How Much would it cost to replace your manufactured/mobile home?	_______
Loss Settlement –  How much will you actually get if there is a loss?	_______
Deductible – How much of a loss are you responsible for paying?	_______
Water Backup of Sewer or Drains Coverage – Yuck… buy this.	_______
Earthquake  – Not automatically included.	_______
Flood – requires a separate policy	_______
Ordinance and Law – does your city have any weird requirements for remodels or rebuilds?	_______
Other Structures
How much would it cost to replace your Garages, sheds, Fences, and other structures?	_______
Personal Property
Personal Property – How much is all your stuff worth?	_______
Loss Settlement – How much will you actually get paid if there is a loss?	_______
How is your property protected (hint its probably not for everything you think)?	_______
Do you have anything really valuable or a collection of valuables items (think guns or electronics, etc)?	_______
Loss of Use/Additional Living Expense – What happens if you can’t stay in your house after a loss?	_______
Liability
Liability – You can get sued and this coverage is pretty cheap.	_______
Can you get Personal Injury Coverage?	_______
Medical Payments	_______
Umbrella – Lawsuits can get nasty, do you have enough coverage?	_______
Loss Assessment, do you live in a park or an HOA? They can actually assess you when stuff happens to them.	_______

 

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