Personal Property Coverage

Comprehensive protection for your personal belongings up to $300,000. Specialized coverage for mobile home contents including furniture, electronics, appliances, clothing, and valuables.

Up to $300,000 Coverage

Industry-leading personal property coverage limits designed specifically for mobile home living - far exceeding typical policies.

What's Protected by Personal Property Coverage

Our comprehensive personal property coverage protects your belongings from theft, fire, vandalism, and other covered perils with replacement cost coverage up to $300,000.

Furniture & Appliances

Full coverage for all furniture, major appliances, washers, dryers, refrigerators, and built-in or portable appliances.

Electronics & Technology

Protection for TVs, computers, gaming systems, tablets, smartphones, stereo equipment, and all electronic devices.

Clothing & Personal Items

Coverage for all clothing, shoes, jewelry, watches, collectibles, books, and personal belongings of all family members.

Valuables & Collections

Special coverage for artwork, antiques, coins, stamps, tools, sporting goods, musical instruments, and hobby collections.

Industry-Leading Coverage Levels

Compare our personal property coverage limits with other insurers. We provide more protection for your mobile home lifestyle.

Typical Mobile Home Policy

$50K - $100K

Standard coverage limits

• Basic coverage only
• Actual cash value
• Limited special items

Homeowners Policy

$150K - $200K

Traditional home coverage

• Higher premiums
• May not cover mobile homes
• Complex claims process

Standard Casualty Coverage

Up to $300K

Maximum protection

• Replacement cost coverage
• Mobile home specialists
• Fast, fair claim settlements

Special Coverage Categories

Certain high-value items receive enhanced protection with higher limits and specialized coverage options.

Jewelry & Watches

Up to $5,000 per item for jewelry, watches, and precious stones.

$25K Total Limit

Electronics

Full replacement cost for computers, TVs, and electronic equipment.

$50K Total Limit

Art & Collectibles

Coverage for artwork, antiques, and valuable collections.

$15K Total Limit

Tools & Equipment

Professional tools, lawn equipment, and workshop items.

$20K Total Limit

Simple Personal Property Claims

When theft, fire, or other covered events damage your belongings, our streamlined claims process gets you back on your feet quickly.

Report Your Loss

Call our claims hotline 24/7. Provide details about what happened and create an initial inventory of damaged items.

Document Everything

Take photos of damaged items. Gather receipts, warranties, and proof of purchase when possible for faster processing.

Claims Review

Our experienced personal property adjusters review your claim and may inspect high-value items in person.

Fast Payment

Receive replacement cost payment quickly. We can pay you directly or work with your preferred retailers and contractors.

Designed for Mobile Home Living

Mobile home living often means maximizing space with valuable items. Our personal property coverage understands your unique needs.

Built-in furniture and fixtures coverage

Outdoor furniture and equipment protection

Storage building and shed contents

Replacement cost coverage, not depreciated value

Protect Your Personal Property Today

Don't risk losing your valuable belongings. Get up to $300,000 in personal property coverage designed specifically for mobile home living.

Get Your Quote Now Call 1-800-522-0146

Replacement cost coverage • Up to $300K limits • Mobile home specialists since 1961