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Mobile Home Insurance in Northern Colorado

Affordable Protection for Your Home

Mobile and manufactured homes are a comfortable housing choice for many families, but like any home, they’re at risk from fire, storms, theft, and other unexpected events. The right mobile home insurance in Northern Colorado protects your home, your belongings, and your peace of mind.

What Mobile Home Insurance Covers

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Dwelling Coverage

Pays for repairing or rebuilding your mobile home if it’s damaged by a covered event such as fire, windstorm, or vandalism.

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Personal Property Coverage

Protects your belongings — furniture, clothing, electronics, and more — from damage or theft.

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Liability Coverage

Covers medical expenses and property damage if someone is injured on your property or if you accidentally cause damage to another person’s property.

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Additional Structures

Extends protection to detached structures like sheds, decks, and garages located on your property.

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Loss of Use Coverage

Covers temporary housing and living expenses if your mobile home becomes uninhabitable due to a covered event.

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Optional Add-Ons

Additional coverage is available for risks not included in standard policies, such as floods or earthquakes.

Benefits of Mobile Home Insurance

Mobile home insurance provides essential financial security by covering both your property and liability risks. With Chris Covers Your Assets, you’ll gain straightforward guidance, personalized policies, and a trusted partner who ensures you understand your coverage.

Frequently Asked Questions

  • Is mobile home insurance required in Colorado?

    While not required by state law, most lenders and mobile home communities require you to carry insurance. Even if it’s not mandatory, it’s highly recommended to protect your investment.

  • What isn’t covered by mobile home insurance?

    Standard policies don’t cover earthquakes, flooding, or normal wear and tear. These exclusions can often be addressed with additional policies.

  • Are older mobile homes more expensive to insure?

    Age is one factor, but insurers also consider your home’s value, location, coverage needs, and claims history when determining premiums.

  • Can I save money on mobile home insurance?

    Yes. Bundling your mobile home policy with auto or life insurance, increasing your deductible, or installing safety features can help reduce your costs.

At Chris Young Agency, we’ve been protecting homeowners for nearly 30 years. Whether you live in a manufactured home, mobile home, or other non-traditional structure, we’ll build a policy tailored to your needs. We proudly serve Northern Colorado and clients throughout Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona.

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