Mobile Home Insurance

What should I consider?  I've got a mobilehome.

Just like any other homeowner , you need to consider protecting your home, your personal property, and yourself from liability. Mobilehome owners have some special considerations too. Some things to consider... Your Home What type of coverage  is right for me? Replacement cost ? Actual Cash Value ?        Is there any special coverage I can get for fire department charges,  since my home isn't serviced by or located near one?        What kind of coverage can I get to help with the cost of moving my mobilehome  to a safer location if an oncoming fire or other covered peril threatens it?        When should I first begin my coverage  if my home is being transported?        Should I purchase flood insurance * ? Your Property What would it cost to replace the contents  of my home?        Do I have an inventory and photographs  of my personal possessions?        How can I personalize my policy with extended coverage   for jewelry and radio or television antennas? You and Your Guests Does my policy come with liability   coverage like a standard home insurance policy?        Will my guests' medical expenses  be covered if they're accidentally injured on my property?        Do I need or have reimbursement for additional living expenses if I can't live in my mobilehome due to a loss? Your Money How will the coverage limits and deductibles I choose affect my premium?        What discounts  are available to mobilehome owners?        How can I make my home safer and possibly save money?   What are my coverage options?  Mobilehome   Your Mobilehome Insurance Policy will include these coverages: Mobile Home Protection   Protection for Improvements   Personal Property Protection   Family Liability Protection   Guest Medical Protection   Loss of Use of Your Mobile Home You can choose from two policies: Deluxe Policy: The more comprehensive policy that protects your mobilehome against loss from almost any hazard, except those losses specifically excluded or limited in the policy. Standard Policy: Coverage for those mobilehome owners who don't need a more extensive policy. Additional coverages include: Emergency Removal:  To move your home if an oncoming fire or other insured peril threatens your mobilehome. We'll pay up to $500 to move it to a safer location.   Trip Collision:  Consider this option   when moving your mobilehome to a new location. Contact your agent prior to your move to obtain this protection.   Fire Department Charges: For fire department service charges if your mobilehome is located in an area that's not serviced by a fire department. You may also consider purchasing coverage for: Flood : Since a Mobilehome Insurance Policy* doesn't typically cover a flood, find out if you're eligible for a Flood Insurance Policy. You can personalize your policy with Optional Coverages such as: Extended coverage on jewelry, watches and furs   Additional dwelling rented to others   Increased coverage on radio or TV antennas   Additional insured persons   Business pursuits Or, you can purchase Scheduled Personal Property  protection with increased coverage for personal property items with value greater than the limits provided in your Mobilehome Insurance Policy or through the Optional Coverages listed above.