Protecting Your Manufactured Home in Jackson, MI.

This coverage protects the structure of your manufactured or
prefab home against damage caused by covered perils such as fire, theft, vandalism, or
severe weather events.

This coverage protects your personal belongings within
the manufactured or prefab home, including furniture, appliances, electronics, and
clothing. It provides compensation for damage or loss resulting from covered perils.

Liability coverage protects you in the event that someone is injured
on your property or you are held responsible for causing damage to someone else's
property. It helps cover legal expenses and potential settlements or judgments.

If your home becomes uninhabitable due to a
covered loss, this coverage helps pay for temporary living expenses, such as hotel
stays or renting a temporary home, while your manufactured or prefab home is being
repaired or rebuilt.

This coverage protects against damage caused by water
backup or sump pump failure. It can help cover the cost of water damage remediation
and repairs.

Replacement cost coverage ensures that in the event of
a covered loss, you receive the full cost of repairing or replacing damaged property or
belongings, without factoring in depreciation.

In the event of a covered loss, this coverage provides
reimbursement for the additional expenses incurred to comply with current building
codes or ordinances during the repair or rebuilding process.

Depending on the location of your manufactured or prefab home, you
may need to consider purchasing separate flood insurance, as standard homeowners
insurance policies usually do not cover flood damage. It's important to evaluate whether
your home is in a flood zone and assess your flood risk.

Although earthquakes are not common in Michigan, you may
still choose to purchase earthquake insurance for added protection. This coverage can
help cover repairs or rebuilding costs if an earthquake damages your home.

If you have valuable items such as jewelry,
artwork, or collectibles that exceed the coverage limits of your standard policy, you may

consider adding scheduled personal property coverage to ensure these items are fully
protected.

If you live in a manufactured or prefab home community
with shared amenities, loss assessment coverage reimburses you for your share of any
loss assessments levied by the community's association.

• This coverage protects you from costs associated with
  damage or breakage to underground service lines such as water, sewer, or power lines
  that are your responsibility.

• Inquire about available discounts specific to manufactured or pre-fab
  homes in Jackson, MI. For example, some insurers offer discounts for installing safety
  devices, having a claim-free history, or belonging to professional organizations.
  It is important to review your options and work closely with an insurance professional
  who can help you understand the specific coverage options available and tailor a policy
  that matches your needs and the unique risks associated with owning a manufactured
  or pre-fab home in Jackson, MI.