This coverage insures the owner or operator of a mobile home park against bodily injury or property damage liability claims that arise from its ownership, maintenance, and/or use of the premises and all incidental operations. Products liability and medical payments coverage may also be included. Certain operations such as boats, docks, floats, swimming pools, restaurants, and stores must be declared … Read More
Mobile home dealers are similar to auto dealerships because they need coverage on their stock of unsold mobile homes on their lots. An open lot dealers physical damage coverage form or policy can be used to provide such coverage. These forms can also be used to cover mobile homes, travel trailers, and other types of recreational vehicles the dealership sells. … Read More
Manufactured home haulers are a greater risk on the highway than most other types of trucks because of the oversized loads they haul from manufacturers to home sites. As a safety precaution, these vehicles are usually preceded and followed by smaller “”chase”” vehicles with warning signs to inform other drivers of the oversized load. However, this precaution alone does not … Read More
This insurance is designed specifically for mobile home owners. Insurers that specialize in mobile home physical damage insurance offer package policies. They provide either broad perils or limited perils of fire, windstorm, hail, explosion, theft, and vandalism. Coverage may apply to awnings, cabanas, porches, and other outdoor equipment attached to the mobile home. Personal effects can be covered against named … Read More
Motor homes can be rented for weekend excursions, family vacation trips, or commercial use on a short-term or long-term basis. This insurance is sold to the dealer. It covers the motor home while it is rented to others. The dealer passes this cost to the party that rents the motor home by adding it as one part of the overall … Read More
Commercial motor home and travel trailer risks can be difficult to place. Race car drivers, musicians, entertainers, film production companies, catalogue sales companies, claims adjusters, and businesses that have traveling exhibits are common examples of people or businesses that need this coverage. Coverage is also available for business personal property in the motor home or trailer.
A motor home is a self-propelled land motor vehicle, designed and constructed to provide facilities for cooking and sleeping. Physical damage coverage extends to accessories, permanently attached equipment, and personal effects kept in the motor home. Bodily injury and property damage liability, medical payments coverage, comprehensive, and collision (subject to specified deductibles), uninsured motorists protection, and vacation expense allowance coverage … Read More