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Mobile Home Product



This description is not a policy. The contract contains limitations and exclusions. All provisions of the policy apply.


The Mobile Home product is specifically designed for mobile homes built before 1977 although newer mobile homes may be accepted. We offer two types of Owner Occupied packages in this product-

The Deluxe or Basic. It depends on the coverages (Covered perils, Medical, Endorsements, and Replacement costs) you wish to have on your mobile home.

    The Deluxe Package includes:
  • Dwelling-covered perils 1-10 ACV*
  • 10% Other Structures, perils 1-7 ACV*
  • 50% of Personal Property, perils 1-14 RC*
  • 20% of Loss of Use
  • Personal Liability up to $100,000
  • Medical Payments to Others up to $1,000
  • Replacement Cost of Personal Property
  • Limited coverage for Back up of Sewers &
    Refrigerated Products
    The Basic Package includes:
  • Dwelling - covered perils 1-9 ACV*
  • 10% Other Structures, perils 1-7 ACV*
  • 50% of Personal Property, perils 1-14 ACV*
  • 20% of Loss of Use
*ACV-Actual Cash Value
*RC-Replacement Cost

Additional Perils and Coverages may be added for an additional fee.


The Mobile Home product allows Rentals or Seasonal Occupancies but they are insured for fewer perils, actual cash value on Personal Property and Optional Premises Liability. There would be no Medical Payments to Others, Back Up of Sewers or Refrigerated Products coverage.


If you would like information about any of the Products United Heritage Property & Casualty has to offer please contact us at (208)493-6200, (800)877-8862, or click here to locate an agency.