Mobile Home Insurance

Farmers Insurance in Sandpoint Idaho - Stephen Smith Agency MOBILE HOME Special Form Mobile Homeowners Package Policy: Enjoy Carefree Mobile Home Living Property Covered Your mobile home and separate structures are covered for almost any type of damage, except for a few common sense exclusions such as wear and tear, earth movement, flood and nuclear hazard. YOUR SEPARATE STRUCTURES on your residence premises, other than for business purposes, such as a detached garage or tool shed, are covered up to 10% of the amount of coverage on your mobile home. Optional higher limits are available. Personal Property Covers personal property owned or used by a qualified family member anywhere in the world. ON PREMISES pays up to 50% of the amount of coverage on your mobile home anywhere else in the world. If your personal property is located at a secondary residence, such as a cabin or vacation home, pays up to $1,000 or 10% of the On Premises coverage, whichever is greater. While your mobile home is covered for most types of damages, your Personal Property is covered only for damages resulting from the following: Fire or Lightning Windstorm or Hail Explosion Riot or Civil Commotion Falling Objects or Aircraft Vehicles Smoke Damage Vandalism and Malicious Mischief Theft Weight of Ice, Snow or Sleet Water or Steam accidentally discharged from plumbing system or appliances Damage resulting from bulging, cracking, rupture and burning of steam or hot water heating systems and water heaters Electrical Damage to appliances and fixtures (but not tubes or transistors) Freezing of plumbing, heating, air conditioning system, appliances This is not a policy contract but a general description. The policy itself should be read for the overages and exclusions. Additional Coverage TREES, SHRUBS, PLANTS AND LAWNS pays up to an additional 5% of the amount of coverage on your mobile home and no more than $500 per items for a loss by Fire or Lightning, Explosion, Riot or Civil Commotion, Aircraft, Vehicles not owned or operated by a family member, Vandalism or Malicious Mischief and Theft. LOSS OR USE if you cant live in your mobile home after a covered loss, we cover the additional cost of living in hotels, meals, etc. Pays up to 20% of the amount of insurance on your mobile home as an additional coverage with no deductible. Family Liability Protection Pays for bodily injuries to other people, or damage to their property, if you are liable, resulting from: The acts of your pets. The personal acts of you and qualified family members, including activities such as sports, hunting or fishing. The Medical Payments for other people injured on your premises, regardless or liability. Additional Liability Coverage EXPENSES pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees. Also pays expenses you incur at Farmers request, including up to $60 a day for actual loss of wages. Pays the premium on appeal bonds, bonds to release attachments, and the cost of bail bonds. EMERGENCY FIRST AID pays expenses you incur for necessary medical and surgical aid to other people at the time of an accident youre involved in. DAMAGE TO PROPERTY OF OTHERS pays up to $500 for damage to property of others caused by a qualified family member where you are not legally liable OPTIONAL COVERAGE Personal Articles Floater: Extends protection for your personal articles when their value is higher than the limits stated in the policy. Pays up to the limit of the appraised value of the article. Earthquake: Extends protection for damages caused by an earthquake up to the policy limit. Home Owners | Rentals | Auto | Life | Health | Business | Mobile Home Home Email 112 N. 4th Avenue Sandpoint, Idaho 83864 (208) 265-4562 Fax: (208) 263-7866 Site Designed By Sandpoint.com

Mobile homes, on the

1978 Santa Barbara Earthquake: Mobile Homes and Earthquakes The 1978 Santa Barbara Earthquake: Mobile Homes and Earthquakes A typical wood frame house of modern construction is securely bolted to its foundation. Mobile homes, on the other hand, simply sit on pedestals or stands, making them particularly vulnerable to earthquakes. During the 1978 earthquake 324 mobile homes were damaged in Goleta. Many of these mobile homes were knocked from their pedestals, rupturing gas, water, and electrical connections. In the Santa Barbara West Mobile Home Park in Winchester Canyon, over 35% of 147 mobile homes were knocked off their pedestals. Many of the pedestals ended up sticking through the floors of the mobile homes. One mobile home was destroyed by fire in a gas leak. In contrast, conventional homes in Goleta were relatively unscathed, suffering only cracked plaster, broken glass, and loosened plumbing. In a 1980 study by Steinbrugge et al., it was found that in high intensity earthquakes mobile homes suffer damage double wood frame houses, and in moderate intensity earthquakes, the difference is even greater, mobile homes suffering damage at a rate of five times a wood frame houses. Much of this is due to the insecure placement of the mobile homes on loose pedestals. Sources K. V. Steinbrugge, E. E. Schader, S. T. Algermissen (1980). Earthquake damage to mobile homes in California, California Geology , v. 33, 225-232. R. K. Miller, S. F. Felszeghy, Engineering features of the Santa Barbara earthquake of August 13, 1978, Santa Barbara, CA. Photographs View of mobile home #1 (38 kb) View of mobile home #2 (41 kb)

Recreation Vehicle

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