Agent Portal: Maison Insurance: Mobile Home (Owned)

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Included, Optional Coverage, Discounts

Mobile Home Manual


Mobile Home Contract Amendatory Endorsement

Physical Damage

  • Covers all parts to the mobile home connected to the form of the home.
  • Includes coverage for awnings, shelters, cabanas, porches, water pumps and air conditioners attached.
  • Personal effects in included in this coverage up to the policy limit.

Perils Insured Against (Structure)

Broad Form:

  • Fire or Lightning
  • Explosion
  • Stranding, sinking, falling, burning, collision, or derailment of any conveyance in or upon which such property is being transported.
  • Theft, larceny, robbery, pilferage.
  • Windstorm or Hail.
  • Riot or Civil commotion.
  • Missiles propelled or objects falling from outside the mobile home.
  • Collision with another vehicle not owned by the insured.

Perils Insured Against (Personal Effects)

  • Fire or Lightning
  • Explosion
  • Windstorm or Hail
  • Riot or Civil commotion
  • Missiles propelled or objects falling.

Personal Liability Coverage

  • Provides coverage for bodily injury and property damage the insured is liable to pay.
  • Pays for the litigation and claim expenses.
  • Pays for first aid expenses.

Medical Payments

  • Pays for medical payments the insured may be liable for.

Additional Coverage

  • Additional living expense.
  • $500 Fire department service charge.
  • Debris Removal.
  • Trees, Shrubs, Plants, and Lawns: $500 a tree.
  • Repossession return expense coverage.
  • Food spoilage after a covered loss up to $500.

Other Highlights

  • Online Services available.


  • Available deductibles: $500/$1000/$1500.

Optional Coverage

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Adjacent Structures and Equipment Coverage Increase Limits
  • Coverage for other structures on the property at the amount of $25,000.
Replacement Cost on the mobile home

View Endorsement

  • Replacement cost on mobile home instead of the actual cash value.
Comprehensive Personal Effects Replacement Cost

View Endorsement

  • Changes the coverage for personal effects to replacement cost.
Comprehensive Personal Effects Increased Coverage
  • Increases the maximum personal property coverage to 75%.
Comprehensive Personal Effects Coverage – Increased in Special Limits
  • Allows you to increase special limits on certain personal effects.
Trip Collision Coverage

View Endorsement

  • Provides coverage when the mobile home is moved for up to 30 days.
Schedule Personal Property

View Endorsement

  • Coverage provided for antiques, camera equipment, fine art, furs, jewelry, musical instruments, guns, silverware, bicycles, coins, fine art, golfer’s equipment, miscellaneous personal property, other sports equipment, stamps.


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Paid in Full
  • Discount available if you pay in full.
Companion Policy
  • Available if you have any other policies within our agency.
New Purchase
  • Available if the insured is purchasing their policy at the same time they are purchasing the house.
Non-Smoker discount
  • Available if the insured is not a smoker. Surcharge if the insured smokes.
Fire Protection
  • Available if the insured has a central station fire alarm.
Burglar Protection
  • Available if the insured has at least a local burglar alarm.
Secured Subdivision
  • Available if the insured lives in a secure neighborhood with 24-hour security and gates.
Umbrella Discount
  • Available if the insured has an umbrella policy within our agency.
E-Policy Discount
  • Available if the insured agrees to receive documentation via email.


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