Manufactured Housing
Insurance
Manufactured homes are one of the fastest growing segments of the housing
industry. A manufactured homeowner has specialized coverage needs. South
Carolina Farm Bureau Insurance Companies can help address those needs with our
manufactured housing policies. The basic coverages of the manufactured housing
policies are similar to those included in our homeowner's policies.
Dwelling Protection: Protects the dwelling on the residence premises and
principally used as your private residence.
Protection for Other Structures: Provides protection for the insured's
other structures on the residence premises set apart from the dwelling by clear
space. Coverage is limited to the amount specified in the policy and in the
Declarations.
Personal Property Protection: Provides protection for personal property
usual or incidental to the occupancy of the residence premises as a dwelling
and owned or used by an insured, subject to limitations as specified in the
policy and Declarations.
Loss of Use: One of the coverages available under Loss of Use coverage is
payment for Additional Living Expense. Additional Living Expense coverage
provides payment for the necessary increase in living expenses incurred by you
if your home becomes uninhabitable due to a covered loss. Payment is limited as
defined in the policy.
Personal Liability: Provides protection for an insured for accidental
bodily injury and property damage for which the insured is legally liable.
Medical Payments to Others: Pays reasonable and necessary medical
expenses to injured third parties as a result of your activities.
Endorsements: We have several endorsements available to personalize your
Manufactured Housing policy to meet your specific needs.
Boat and ATV (all-terrain vehicles) Damage and Liability Endorsements: Various
endorsements that can provide coverage for damage to your boat or ATV as well
as provide liability coverage.
Personal Property Floater: Provides coverage for valuable items, such as
jewelry, silverware, and guns for which coverage may be limited in the policy.
Deductibles
The deductible is the amount of the loss for which you are responsible. The
deductible provision does not apply to Personal Liability coverage, or to
Medical Payments to Others.
There are also other available coverage options to further customize your
insurance plan. For more information, please contact your local
South Carolina Farm Bureau Insurance Companies agent.
This information is only a general description of the available coverages and is
not a contract. All coverages are subject to availability and qualifications.
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