Mobile Home Insurance

Mobile Home Insurance

Our mobile homeowners program provides coverage for owner-occupied mobile homes, other structures on premise such as a garage or outbuilding, personal property, additional living expense, personal liability and medical payments. Other Optional Coverages are also available to meet your specific needs.

For customers who insure their primary residence or rental property with FMT, we also offer a mobile fire program for the tenant-occupied mobile home. It provides coverage for the mobile home, other structures on premise, loss of rental income, and personal property of the owner.

Attention Mobile Homeowners: Standard property insurance policies do not cover flood damage. However, flood coverage is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) by calling (888) 379-9531, or through one of our local insurance agents.Click on the “Get a Free Quote” button to complete our simple quote form, and an agent will get back to you with answers regarding flood insurance.

For more information from the National Flood Insurance Program, check out their official flood website: floodsmart.gov

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Mobile Home Optional Coverages


  • Earthquake
  • Increased Limits on Private Structures
  • Private Structures Rented to Others
  • Private Structures Limits
  • Personal Property Reduced or Increased Limit
  • Personal Property Increased Limit Away from Premises
  • Personal Property Replacement Value
  • Refrigerated Food Products Increased Limit
  • Fire Department Service Charge
  • Credit Cards and Depositors Forgery
  • Outdoor Antennas
  • Home Computers
  • Consent to Move Mobile Home & Trip Collision
  • Scheduled Personal Property
    • Bicycles
    • Boats
    • Coins
    • Fine Arts
    • Furs
    • Golf Equipment
    • Guns and accessories
    • Jewelry
    • Miscellaneous Tools
    • Musical Instruments
    • Photo Equipment
    • Silverware, goldware and pewterware

OPTIONAL LIABILITY COVERAGES

  • Private Structures – Rented to Others
  • Business Pursuits
  • Care Provided for Others
  • Office, Professional, Private School or Studio Occupancy
  • Owned Snowmobiles – Off Premises
  • Outboard Motors and Watercraft
  • Incidental Farming
  • Farmers Comprehensive Personal Liability

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