Insurance for Your Manufactured Home (Mobile Home), Possessions, and Personal Liability

Manufactured homes, formerly called mobile homes, are popular in Central New York. If you own one, we have an insurance policy for you. As you know, a fire or windstorm can cause serious damage.

You can protect your home with our Actual Cash Value policy. We’ll insure to a value that is agreeable to both you and the company based on your home’s manufactured price. And we offer two policies for you to choose from: one with basic coverages and one with basic plus added perils.

Our Manufactured Home insurance also covers your personal possessions on premises or off, subject to limitations. And in case of a lawsuit against you or any insured, you’ll have personal liability protection.

Call us anytime to discuss your insurance and see if we can save you money today. See a brief explanation of the coverages in a Manufactured Home Insurance policy by Sauquoit Valley Insurance Co.

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Manufactured Home Insurance Coverages:

This is not a complete list of policy coverages. Consult the policy for all coverages, exclusions, and provisions.

Coverage A: Residence

Covers your farm residence including additions and built-in appliances.

Coverage B: Related Private Structures on the Premises

Coverage for structures on the insured premises that are not attached to your residence such as garages, storage sheds, fences, driveways, pools, and sidewalks. (Non-farm use only)

Coverage C: Personal Property

This is where your contents are covered. You may apply this coverage to personal property owned by you anywhere in the world, subject to possible limitations.

Coverage D: Additional Living Expense and Loss of Rent Coverage

Pays any necessary and reasonable increase in living expenses you may incur if all or a portion of you residence is unfit for occupancy because of an insured loss. Motels and transportation costs are examples of additional living expense. Also pays if you sustain loss of rents from a part of your residence rented to others.

Coverage E: Scheduled Farm Personal Property

Covers the classes or items of farm personal property for which a limit of liability is stated in the schedule. This coverage only applies to scheduled property.

Coverage F: Farm Barns, Buildings, and Structures

Farm barns, buildings, and structures located on the farm premises(s) for which a limit of liability is stated in the schedule. Additional farm locations can also be added to your schedule.

Personal and Farm Liability

Coverage for farm related operations and also includes personal liability.

Farmowner Discounts

You may qualify for multiple discounts, subject to risk evaluation.