Insurance coverage for mobile and manufactured homes is usually similar to a standard homeowners policy, offering coverage for the home, your personal property and liability claims. The two basic coverages typically included in mobile home insurance policies are for physical damage and personal liability, the Insurance Information Institute (III) says.

Physical structure and contents:

If your mobile home or its contents sustain physical damage from perils such as fire, hail, theft or vandalism, the costs of repairs or replacement are typically covered by a mobile home policy. Additional structures on your lot, such as a patio or garage, and your personal belongings would also likely be covered. However, some policies only cover certain causes of loss. These "named perils" policies may have lower premiums, but be sure to check with your agent so that you know what is excluded from your policy.

Liability:

Mobile home policies typically include liability coverage, which may help protect you (within the stated policy limits) if you or someone in your household is found liable for damage to someone else's property or if a guest is injured at your home. However, liability coverage generally does not cover an injury to you or another member of your household, the III says. If you slip on your steps, you likely won't be reimbursed for any medical expenses. If your kids accidentally break the neighbor's window playing ball, however, your policy will likely cover the cost of repair.