Insurance coverage for mobile and manufactured homes is usually similar to a standard homeowners policy, offering coverage for the home, your personal property and liability claims. The two basic coverages typically included in mobile home insurance policies are for physical damage and personal liability.

Physical damage:
If your mobile home or its contents sustain physical damage from fire, hail, theft or vandalism, the costs of repairs or replacement are typically covered by a mobile home policy. Additional structures on your lot, such as a garage or patio, and your personal belongings would also be covered..

Personal Liability:
Mobile home policies include liability coverage, to protect you if you or someone in your household is found liable for damage to someone else's property or if a guest is injured at your home.