Standard coverage

Here's what's typically included in a manufactured or mobile home policy.

Dwelling coverage
Covers the physical structure of your home, like the walls and roof
Personal property
Covers the belongings inside your home, like furniture and stereos, even if they're damaged or stolen outside of the house
Other structures
Covers the physical structure of buildings on your property that are separate from your home, like a garage

Guest medical protection
Covers the cost of medical expenses for a person who's injured on your property
Liability protection
Defends and covers you if someone sues or files a claim against you after being injured on your property or you damage someone else's property

For more specific instances, manufactured and mobile home policies provide coverage after qualifying events such as:

Fires
Wind and hail damage
Water damage (excludes floods and water backage from sewers or drains)
Theft
Guest injury lawsuits or claims

Optional coverage

When it comes to protecting your mobile or manufactured home, standard Allstate insurance may not quite cover all the things you value. Here are a few examples of optional coverages you can add to a policy.

Scheduled personal property
Covers valuable appraised items like engagement rings or antiques.
30 Day collision coverage
Temporary coverage for collision losses while your home is being transported to another location, such as during a move.

To see other coverages, visit the homeowners optional coverages page for a full list of options.