United Marine understands the special insurance needs of manufactured home owners. We provide many options. Our programs provide coverage for Mobile Homes, Modular Homes, Panelized Homes and Pre-Cut Homes. Below are the different programs available.
Classic Program: Provides the broadest coverages for the homeowner including protection for your home, personal property, adjacent structures and liability coverage.
Your Choice Program: Don't need all of the coverages of the Classic Program--with Your Choice you select only the coverages and limits you need.
Vacant Program: Provides three and six month policies for your vacant manufactured home.
Seasonal Program: This program provides the coverage needs of a seasonal or vacation home.
Rental Program: Provides physical damage coverage for the home you rent to others. Premises liability and coverage for personal property you still have in the home can be added.
Tenant Program: As a renter, you can protect your liability and your personal belongings.
Comprehensive: In addition to protecting your home, comprehensive adds coverage for equipment and fixtures and detached garages and sheds.
Personal Property: Select from actual cash value or replacement cost coverage for your personal property.
Personal Liability: Protects you from an accident that causes bodily injury or property damage to another person.
Medical Payments: Provides medical payments to another person if hurt on your property.
If the home is your primary residence, we offer coverage for special personal property (jewelry, heirlooms, etc.), additional living expenses, debris removal, food spoilage and more.
We provide coverage that protects you before you move in and while your home is being set up on your site. Coverage includes personal liability, theft of building materials, and damage caused by site improvements. It also provides coverage that protects the home, adjacent structures, and personal property.
Our policies provide coverage for Additional Living Expense. This pays your living expenses should your home become uninhabitable due to a covered loss.
Our policies provide coverage for Identity Theft. This pays certain expenses if someone steals your identity.