Mobile homeowners are in a unique legal position. They own their homes but often lease the home's property. This means they are both treated like homeowners and renters.
This can lead to some unexpected legal interactions. Because they fall into this curious legal crack, mobile homeowners are often unsure of their legal rights.
Thankfully, almost none of this matters when it comes to mobile home insurance. Both renters and homeowners have the right to make claims on their insurance. And when insurance companies don’t offer fair compensation, mobile homeowners have the right to file a dispute.
If you are a mobile homeowner who is being treated unfairly by your insurance company, you need professional support. Use the contact form to contact Morgan & Morgan today to schedule a free case consultation about your insurance dispute for mobile homes.
The Basics of Mobile Home Insurance
Mobile home insurance is quite similar to homeowner insurance for a traditional home. A current policy provides coverage for:
- Damage to the exterior and interior of the dwelling
- Damage to adjacent, unconnected structures (usually sheds or garages)
- Loss of or damage to personal property in or near the dwelling
- Liability for the homeowner
Assuming you have appropriate coverage limits, this should protect your home and possessions from just about any type of damage. It should also protect you financially if someone else gets injured inside your home.
When Insurance Claims Get Tricky
As previously noted, most mobile homeowners do not own the property where their mobile home is located. This can lead to some tricky insurance claims when it isn’t entirely clear whether your insurance or the property owner's insurance (or possibly both) should cover a claim.
When multiple insurance policies are involved, it is common for insurance companies to try to take advantage of the situation.
You may find that both insurance companies point the finger at the other, and neither is willing to pay compensation. Or, the insurance companies may try to negotiate a settlement that minimizes what they pay you.
Regardless, don’t surrender your rights to file an insurance dispute for mobile homes, even if your insurance company isn’t the one paying compensation. If you object for any reason, you have the right to dispute.