Mobile Homeowners Insurance

Tuscarora Wayne Insurance Company’s niche in the Mobile Homeowners Program is for quality mobile homes with pride of ownership regardless of the protection class or age of the home. The choice of mobile homeowner’s policies that are available today have some similarities and differences. Although there are different types and amounts of coverage you can choose for your mobile home, most mobile home policies generally include property and liability coverage.

The property coverage provided by a mobile homeowner’s policy pays for:
• Damage to Mobile Home (Coverage A)
• Damage to Other Structures on property (Coverage B)
• Damage to Personal Property (Coverage C)
• Additional Living Expenses (Coverage D)

Liability coverage provided by a mobile homeowner’s policy pays on behalf of the insured for damages caused by an occurrence related to the insured premises or the insured’s personal activities. The Covered Causes of Loss (Perils) Chart will allow you to compare the coverages available for your mobile home, non-farm structures, personal property and related additional expenses:

Principle Property Coverages:
Forms 1, 2, and 8 insure property covered under Coverages A, B, C, and the related costs covered under Coverage D, against risks of direct physical loss by perils indicated in the Covered Causes of Loss (Perils) Chart.

Form 3 insures property covered under Coverage A and B and related costs under Coverage D against all risks of direct physical loss, with certain exceptions. Property covered under Coverage C is insured against risks of direct physical loss by perils shown for Form 2.

Form 4 provides coverages for individuals who rent. Coverage is provided for personal property and household possessions from the Form 2 perils. Personal liability and medical payments are included.

Compare the Differences
Using the Covered Causes of Loss (Perils) Chart, you can quickly compare the coverages that each policy provides for your mobile home. Your independent agent can provide you with a detailed explanation of what is covered under each policy, answer any questions you may have and help you develop a complete protection plan for your mobile home.

For more information or service, contact your local agent. Use our agent locator to find an agent near you.