Agent Portal: Maison Insurance: Mobile Home (Owned)

Return to Maison Insurance PageReturn to Carrier's Page

Included, Optional Coverage, Discounts

Mobile Home Manual

Included

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.

Deductibles

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

Optional Coverage

Back to Top

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.

Discounts

Back to Top

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.

 


Return to Maison Insurance PageReturn to Carrier's Page