Policies are not all alike Most mobile home insurance policies provide these two basic kinds of coverage. However, the amount and degree of coverage can vary dramatically from one policy to another. That's why it's so important to compare policies before buying. What looks like a bargain at first glance can end up costing you hundreds, even thousands of dollars in the event of a claim. That's particularly true when it comes to physical damage coverage.
Some policies only cover specific causes of loss.
Policies like those from Foremost, on the other hand, automatically cover most direct, sudden and accidental perils, and list the few causes of loss that they don't cover in the policy. Similarly, liability coverage can vary from policy to policy. Not so much in terms of the type of coverage, but in the amount of coverage. You need to be sure that whatever policy you choose provides enough liability coverage to protect you in the event you are sued and a judgment is made against you. Other things to consider Be sure to check the deductibles and coverage limits in a policy, too.