Does Mobile Home Insurance Cover the Land My Home Sits On?

If you own or are considering purchasing a mobile home in Georgia, it’s important to understand what your insurance may cover. Volunteer Sales & Marketing DBA Hometown Insurance explains how land coverage is typically handled in a standard policy.

What Does Mobile Home Insurance Typically Cover?

A standard mobile home insurance policy often covers the following:

• The physical dwelling, including attached structures like decks or carports
• Personal property inside the home
• Additional living expenses if your home becomes temporarily uninhabitable
• Liability claims if you accidentally cause third-party bodily injuries or property damage

Does Mobile Home Insurance Cover the Land?

Standard mobile home insurance typically does not cover the land on which your home sits. Your policy is designed to cover the home itself, personal belongings and potential liability risks. Here’s what to keep in mind:

• Land is usually excluded: Damage to the land, such as due to sinkholes or erosion, is typically not covered under a standard policy.
• Certain improvements may be covered: Features such as driveways, decks or sheds may be included, but the land itself is not.
• Liability coverage may still apply: If someone is injured on your land, your policy’s liability coverage may help.

What Are Your Options for Land Coverage?

Standard mobile home insurance may not cover your land, but while you generally cannot purchase insurance for the ground on which your mobile home sits, you may be able to add coverage for specific risks, such as floods and earthquakes. Additionally, coverage for certain features, such as landscaping, may also be available.

Get a Free Quote

Contact Volunteer Sales & Marketing DBA Hometown Insurance today to request a personalized quote.

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.