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Coverage Options
Mobile home insurance is not a sideline business at Johnson Insurance. Unlike other companies, we offer several coverages that come standard in a mobile home policy. Our policy is packed full of coverages designed specifically for mobile homes so you get more value and more security.


Comprehensive Coverage
While no insurance policy covers everything, your policy should cover a wide range of possible damages or causes of loss. Our mobile home policy features comprehensive coverage - standard. That means we cover direct, sudden and accidental physical losses that aren't specifically excluded in your policy, like:




Falling Objects


Off Right-of-Way Collision

Attempted or Actual Burglary or Robbery

Water Damage from Bursting Pipes

Damage from Ink, Paint, Dye, Shoe and Nail Polish

Damage by Wild or Stray Animals

Collapse from the weight of ice and snow




Liability Coverage
Liability coverage is an important part of your insurance package and also comes standard with a Mobile Home policy. It covers you if you're found legally responsible for an accident that causes injury or property damage to someone who doesn't live in your home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage, as well as legal counsel for you and legal cost reimbursement if you're sued.


Additional Coverages Included With Your Policy
Johnson Insurance automatically includes these important coverages in your mobile home policy:

Additional Living Expenses

Trees, Shrubs, Plants and Lawns

Debris Removal

Emergency Removal Service

Credit Card and Check Forgery

Emergency Repairs After a Loss

Fire Department Service

Food Spoilage Coverage

Optional Coverages

We offer important optional coverages that let you customize your policy. Some coverages may be subject to company approval or may not be available in all states. These are a few of the most popular coverage options:

Trip Coverage When Moving Your Home

Personal Liability Coverage on Additional Residences

Scheduled Personal Property Coverage

Earthquake Coverage

Replacement Cost Coverage for your Mobile Home, Other Structures and Personal


Settlement Methods

Agreed Loss Settlement. If your home is destroyed by an insured loss, you get the full      amount of insurance shown on your Declarations Page for your home, minus any      applicable deductible. No hassles, no arguments.

Optional Replacement Cost. Purchase optional Replacement Cost Coverage and get a      settlement that reflects the cost to replace the damaged items with new property at      today's prices. With this optional coverage you can receive up to 120% of the insured      amount, if needed, to replace your home. (Not available in all states.)


Flood Coverage
If you'd like an estimate for a flood policy through the National Flood Insurance Program, Foremost's Flood Unit can help. Submit an online estimate request now.



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