Mobile Home Insurance

Financial Services Insurance provides extensive insurance coverage and plans to protect your home. We work with you to make sure that the insurance policy you choose has the coverage that you are looking for at the price you can afford.

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Comprehensive Protection For You And Your Home

Insuring mobile homes has been at the heart of our insurance business for more than 45 years. We provide comprehensive coverage specially designed for single-family homes – owner, rental, and seasonal occupancy. Our program accepts homes that are factory-built – a single-wide, double-wide, triple-wide, or 2-story modular.

Coverage Highlights: What's Included?

Comprehensive protection
Your policy covers any cause of loss (fire, lighting, wind, hail, explosion, burst water pipes, and so on) unless that cause is specifically excluded in the policy documents. This kind of coverage is sometimes referred to as "special form" coverage.

Stated value loss settlement
For a total loss, we settle at the state value of your home which is listed on your policy. There is no depreciation deduction. For a partial loss, we pay the actual cash value of the loss, but you can upgrade that to a replacement cost valuation.

Personal property
Your belongings are protected on an actual cash value basis, but you can upgrade the policy to a replacement cost valuation.

Personal liability
If someone is injured in your home, or if you accidentally injure someone or damage property away from your home, you may be liable.

Additional living expenses
If a covered peril causes sufficient damage that you need to move out, we cover the extra living expenses until repairs are complete or you find a new home.

Additional Mobile Home Coverage

Reasonable expenses for emergency repairs, such as covering a roof after a storm
Other structures, such as your shed, detached garage and fence
Emergency removal
Collapse
Fire department service charge
Antenna or satellite dish
Trees, shrubs, lawn
Food spoilage

Other Mobile Home Insurance Options

If a comprehensive package of protection is more than you need, we can mix and match coverage. If you only want physical damage coverage to the structure, but not for your personal property, we can do that. We can also exclude liability. Your agent will work with you to be sure that the coverage mix you select truly meets your needs, and that you understand what coverage is excluded from your policy.
- The rental program accepts residential and commercial-use units.
- Our seasonal program covers mobile homes that are used just part of the year.
- A vacant mobile home can be insured through our DP-1 Vacant program.

Builder's Risk
Essential for homes just bought from a dealer, and required by some lenders, this endorsement protects your home during the time between loan closing and occupancy.

Earthquake
This hard-to-find coverage is available in nearly all states.

Identity Theft Recovery
Identity theft is a growing problem with real harm being done to a person's credit report. This special option provides professional assistance and up to $15,000 in expense reimbursement.

Breakdown protection expands your mobile home coverage

Today's homes include expensive appliances and integrated technology systems. The unexpected repair or replacement expense can be a real financial blow. Unfortunately, a typical insurance policy excludes failure due to mechanical or electrical breakdown.

Financial Services Insurance Breakdown Protection coverage fills that gap, covering the sudden and accidental breakdown of electrical and mechanical systems, those built into the home and others purchased later:

- Central heating and A/C
- Large appliances
- Well or sump pump
- TV and electronics
- Electrical panel
- Computer and more...

What are the benefits?

More losses are covered
A typical insurance policy does not cover mechanical or electrical breakdown. This endorsement fills in that policy gap, and eliminates the need for a separate warranty.

It's simple
With one company insuring both the home structure and the equipment covered by the endorsement, claim filing is easier.

Cost is very low
The cost of the endorsement is far lower than a separate home warranty or service contract.

Extra protection
If covered repairs force your family to temporarily relocate, the policy provides extra expense benefits. Food spoilage and pollutant cleanup are included, too.

Your First & Only Choice For Insurance

Q: Why is Financial Services Insurance the best choice for insurance?

A: As an independent insurance agency we do not work for the insurance carriers, we work for you, the customer. We all take insurance for granted, but when it comes time to make a claim, we want to be covered. Insurance can be confusing, but it does not have to be that way. We are always here to explain your coverage and to find a policy to suit your exact needs. We take the time to make sure you are covered with a policy that not only fits your exacting requirements, but your pocket books as well. We do business with many different insurance carriers so we can find the best insurance for you, at a price more competitive than any non-independent insurance agency! Give us a try and you can have a friend in the insurance industry!

Financial Services Insurance is ready, willing, and able to make you a satisfied customer. Call us today at (855) 504-2273 to find out what true customer service is all about!