Personal Liability Coverage

Comprehensive liability protection for mobile home owners. Coverage for bodily injury and property damage claims with legal defense and settlement costs included.

Up to $1 Million Coverage

Industry-standard liability limits with comprehensive legal protection and defense coverage included at no extra cost.

Complete Liability Protection

Our personal liability coverage protects you and your family from lawsuits and claims arising from accidents on your mobile home property or caused by your activities.

Bodily Injury Claims

Protection when someone is injured on your property or by your activities, including medical expenses, lost wages, and pain and suffering.

Property Damage Liability

Coverage for damage you accidentally cause to someone else's property, including their home, car, or belongings.

Legal Defense Costs

Complete legal defense coverage including attorney fees, court costs, and expert witness fees - even if the claim is groundless.

Worldwide Coverage

Protection follows you anywhere in the world - not just on your mobile home property but in your daily activities.

Real-Life Protection Scenarios

See how personal liability coverage protects mobile home owners in common situations that could result in expensive lawsuits.

Slip & Fall Accidents

A delivery person slips on your wet steps and breaks their wrist. Liability coverage pays for medical bills, lost wages, and legal costs.

Covered: Medical + Legal

Pet-Related Incidents

Your dog bites a neighbor or damages their property. Coverage includes medical treatment, property repair, and legal defense.

Covered: Damages + Defense

Property Damage

Your tree falls and damages your neighbor's mobile home or car. Liability coverage pays for repairs and rental costs.

Covered: Repairs + Costs

Children's Activities

Your child accidentally breaks a neighbor's window playing ball. Coverage handles the property damage and any resulting claims.

Covered: Property + Claims

Accidental Damage

You accidentally start a fire that spreads to neighboring properties. Liability coverage protects against massive damage claims.

Covered: Major Claims

Legal Defense

Someone files a frivolous lawsuit against you. Even if you win, legal defense costs are covered from day one.

Covered: All Legal Costs

Flexible Coverage Limits

Choose the liability coverage limit that fits your needs and budget. Higher limits provide more protection for your assets.

Basic Protection

$100,000

per occurrence

• Minimum coverage

• Legal defense included

• Worldwide coverage

Mobile Home Liability Considerations

Mobile home communities and properties present unique liability exposures that our specialized coverage addresses comprehensively.

Community common area incident coverage

Deck, porch, and addition liability protection

Manufactured home specific legal expertise

Land lease and property boundary clarification

Liability Claims Support Process

When someone makes a claim against you, our experienced liability team handles everything so you can focus on your family and peace of mind.

Immediate Response

Call us immediately when an incident occurs or you receive notice of a claim. We provide 24/7 liability claim reporting.

Legal Assignment

We assign experienced liability attorneys who specialize in mobile home and premises liability cases to your claim.

Investigation & Defense

Complete investigation of the claim with expert witnesses, documentation, and aggressive defense of your interests.

Resolution

Fair settlement negotiations or courtroom defense - we handle everything and keep you informed throughout the process.

Protect Your Assets with Liability Coverage

Don't risk your financial future over an accident. Get comprehensive personal liability protection designed specifically for mobile home owners.

Get Protected Today Call 1-800-522-0146

Up to $1M coverage • Legal defense included • Mobile home specialists since 1961