Protecting Your Manufactured Home Kalamazoo, MI.

Provides protection for the structure of your manufactured or pre-
fab home, including the walls, roof, floors, and attached structures such as decks or
porches. It covers damage caused by covered perils, such as fire, lightning, windstorm,
or vandalism.

Covers your personal belongings inside the home,
including furniture, appliances, electronics, and clothing. It provides reimbursement for
their repair or replacement in case of damage or loss due to covered perils, such as
theft, fire, or severe weather.

Protects you in case someone is injured on your property or if you
are found responsible for causing damage to someone else's property. Liability
coverage can help cover medical expenses, legal fees, and any judgments or
settlements.

If your manufactured or pre-fab home
becomes uninhabitable due to a covered loss, this coverage can help pay for temporary
living arrangements, such as hotel stays, meals, or rental costs, until your home is
repaired or rebuilt.

Similar to additional living expenses coverage, loss of use
coverage provides financial assistance when your home is deemed uninhabitable due to
a covered loss. It can assist with expenses beyond temporary living arrangements, such
as storage costs for your belongings.

Protects against damage caused by water or sewage

backup into your home. If a sewer line gets clogged or a sump pump fails, water backup
coverage can help cover the cost of cleanup and repairs.

Provides reimbursement for the actual cost of replacing
damaged or destroyed property with a similar new item, without factoring in
depreciation. This can be particularly valuable for personal belongings or the structure
of your home.

Offers additional coverage for high-value or
valuable items such as jewelry, art, antiques, or collectibles that may exceed the limits in
your standard personal property coverage. It ensures these items are adequately
protected.

Specifically covers damage caused by windstorms or
hail, which are common hazards in Kalamazoo, MI. This coverage can help repair or
replace your home or belongings if strong winds or hailstones damage them.

While manufactured or pre-fab homes may be located in flood-prone
areas, be aware that standard homeowners insurance typically doesn't cover flood
damage. Consider purchasing a separate flood insurance policy to protect your home
and belongings from flood-related risks.

Although earthquakes are not as common in Kalamazoo, MI,
you may decide to obtain additional coverage if you want protection against earthquake
damage. Earthquake coverage can help repair or rebuild your home and cover the cost
of personal property damage resulting from an earthquake.

• If you live in a manufactured home community with
  shared amenities, such as a swimming pool or clubhouse, loss assessment coverage
  can help pay for your share of any assessments levied on residents due to covered
  damage to common areas.

• Covers the additional costs associated with bringing
  your manufactured or pre-fab home up to current building codes or laws during the
  repair or rebuilding process after a covered loss.

• Some insurance policies offer optional identity theft coverage,
  which helps cover expenses incurred due to identity theft, such as legal fees or loss of
  income.
  It is important to review your options and work closely with an insurance professional
  who can help you understand the specific coverage options available and tailor a policy
  that matches your needs and the unique risks associated with owning a manufactured
  or pre-fab home in Kalamazoo, MI.