Modular and Mobilehomeowners
Policy
A
mobilehome policy is a package policy much like the homeowners
policy. In fact, N.C. Grange Mutual writes most of our
mobilehomeowners policies using the same coverage forms as our
homeowner or farmowners policies. We offer several different
types of modular and mobilehomeowners policies depending on
your needs. Any of these programs will provide the valuable
protection you need for both your home and its contents.
Regardless of which modular of mobilehomeowners program fits
your specific needs, N.C. Grange Mutual products are among the
best. We take pride in our high quality, competitively priced
policies which provide the coverage you and your family need.
The different plans available may not offer all the coverages
shown below. Please see your local agent for
help in determining your insurance needs and the plans and
coverages available to you.
Plans
Available:
• HOM - for the newer,
masonry underpinned modular or doublewide mobilehome
• FOM - same as the HOM,
except situated on a farm
• MH1 - for the
well-maintained modular or mobilehome no older than 15
years
• MF1 - same as the MH1,
except situated on a farm
• MH3 - for the
well-maintained singlewide mobilehome no older than 15
years
• MF3 - same as the MH3,
except situated on a farm
(see the Dwelling Fire
product description for a product available for the older,
well-maintained tenant occupied singlewide
mobilehome)
The
Modular/Mobilehomeowners Policies provide protection from
multiple perils for both physical damage and liability. These
"package type" policies offer various types of coverage under
one policy.
The
Standard Coverage includes:
Coverage A
- Dwelling
Coverage B - Other Structures
Coverage C -
Personal Property
Coverage D - Loss of Use
Coverage E -
Personal Liability
Coverage F - Medical Payments to
Others
What
these standard coverages protect:
• Your home and attached
garage
• Unattached garage and
outbuildings, such as a utility shed, used to service the main
dwelling
• Your personal property
such as furniture, clothing and appliances
• Additional living
expenses, over your usual expenses, when your home is
uninhabitable because of a covered loss
• Liability arising from
lawsuits for bodily injury or property damage as well as the
cost of legal defense
• Medical payments which
may be necessary because of injuries suffered by others,
either on your premises or by your actions
In
addition, the policy also covers:
• Debris removal after a
loss has occurred
• Reasonable repair costs
to protect from further damage after a loss has occurred
•
Trees, shrubs and
plants
• Fire Department Service
Charges
• Credit Card, Fund
Transfer Card, Forgery, and Counterfeit Money - $500
limit
• Loss Assessment - up to
$1000
• Collapse
• Damage to property of
others
Optional Coverages include:
• Replacement Cost for
Personal Property
• Structures Rented to
Others
• Incidental Business
Liability
• Credit Card and
Depositors Forgery - increased limits
• Earthquake
• Scheduled Personal
Property - jewelry, furs, guns, golf clubs, personal
computers, etc.
• Additional Residence
Liability
• Watercraft Liability for
most boats
• Watercraft Physical
Damage for most boats
• Personal Injury
• Satellite Dish
...
and more
You
could possibly qualify for premium credits such
as:
Protection
Device Credits
Coverage Amount Credit
Age of Dwelling
Credit
Higher Deductible Credit
What
property perils are covered?
Fire and
Lightning
Windstorms and
Tornados
Hail
Explosions
Strikes and
Riots
Aircraft
Vehicle
damage
Smoke
Vandalism
Theft
Glass
breakage
Falling trees
Weight of ice and snow
Sudden
water damage
Freezing of plumbing
Electrical damage to
appliances due to surges
Any peril not specifically
excluded - HOM and FOM Plans only
NOTE: Some Coverages or discounts may not apply
depending on the plan. Some exclusions and limitations may
apply. Please see an agent near you for
assistance in determining your insurance needs and the plans
and coverages available to you.
home | products |
agency
locator | claims | contact us
| links | about us | site index | agents only
