Does Mobile Home Insurance Cover Hitch or Skirting Damage?

If you own a mobile or manufactured home in Georgia, you may have wondered whether your insurance policy covers every part of the structure, including the hitch and skirting. These components often get overlooked, but damage to them can be costly.

Understanding what your policy includes helps you avoid surprises when you file a claim and determine if you might need additional coverage

Are Hitches Covered?

The hitch connects your mobile home to a towing vehicle and is considered part of the unit’s transport system. Most policies cover the home as a stationary dwelling, so hitch damage may only be covered if it’s caused by risks such as fire, specific natural disasters, theft or vandalism.

Coverage for hitches can vary significantly by policy and insurer, and many policies may exclude hitch-related damage entirely once the home is permanently sited. Always review your policy terms or speak with your agent for clarification.

What About Skirting?

Skirting panels that enclose the base of a mobile home are generally considered part of the structure. Some insurers may even offer discounts if your home is fully skirted and properly tied down. Policies may include coverage for skirting damage caused by wind or hail, fire, vandalism or falling objects.

Common Policy Exclusions

Most mobile home policies exclude damage from normal wear and tear, pest infestation, and lack of maintenance. Flood and earthquake-related damage are also excluded and may require separate policies.

Get the Right Coverage for Your Home

Understanding the details of your mobile home policy matters. Contact Volunteer Sales & Marketing DBA Hometown Insurance to review your current coverage or get a personalized quote that fits your needs and budget.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.