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Mobile Home Insurance: Coverage Basics

At Tom Ruggirello Insurance, we believe that every mobile home needs comprehensive insurance to truly provide a sense of security. We understand that your mobile home represents an investment, a place where memories are made and cherished. Regardless of its location, age, size, or value, we offer customizable mobile home insurance policies that fit every budget.


If you own a mobile home near Fort Pierce, Palm Beach, Port St. Lucie, or anywhere along the Atlantic coast of Florida, it's important to understand the insurance coverage options available to protect your valuable investment. At Tom Ruggirello Insurance, we specialize in providing comprehensive mobile home insurance policies tailored to your specific needs.

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Coverage for Your Mobile Home

Mobile home insurance from Tom Ruggirello Insurance provides protection against unexpected calamities and misfortunes. Our policies are designed to safeguard your investment, giving you incomparable peace of mind. We offer coverage for the following aspects:


Dwelling Protection: Safeguard your mobile home itself from perils such as fire, wind and hailstorms, lightning strikes, theft, and more. Our coverage ensures that you can recover and rebuild in the event of a covered loss.


Personal Belongings: Protect your belongings inside the mobile home, including furniture, appliances, electronics, and clothing, against damage or theft. We'll help you determine appropriate coverage limits for your personal property.


Liability Coverage: Accidents can happen, and if someone is injured on your property or you accidentally cause damage to someone else's property, liability coverage helps protect you financially. Our policies offer liability coverage options to ensure you have sufficient protection.

Additional Living Expenses: If your mobile home becomes uninhabitable due to a covered loss, this coverage helps pay for temporary living arrangements, such as hotel stays or rental expenses, until your home is repaired or replaced.

Exclusions and Optional Coverages


While mobile home insurance provides significant coverage, there are certain exclusions to be aware of. Some common exclusions include:


  • Floods: Damage caused by floods requires separate flood insurance coverage.

  • Earthquakes and Mudslides: Specialized coverage is needed for these types of natural disasters.

  • Wear and Tear: Mobile home insurance does not cover damage due to natural deterioration or neglect.

  • Animals and Pests: Damage caused by birds, rodents, insects, or domesticated animals may not be covered.


At Tom Ruggirello Insurance, we understand that every mobile home owner has unique needs. That's why we offer optional coverages and endorsements to enhance your policy and provide extra protection based on your requirements.


Customized Policies to Fit Your Needs

At Tom Ruggirello Insurance, we understand that each mobile home owner has unique needs. Our experienced agents will work closely with you to design a customized insurance policy that meets your specific requirements. We'll take the time to review and explain every aspect of the policy, ensuring you have a clear understanding of your coverage.

Multi-Policy Discounts


When you choose Tom Ruggirello Insurance for your mobile home insurance needs, you may be eligible for multi-policy discounts. If you're an existing customer with our agency or if you bundle your mobile home insurance with other policies, you can enjoy potential savings. Inquire about our multi-policy discounts and discover how you can protect your mobile home while saving money.

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Get a Free Mobile Home Insurance Quote

Contact Tom Ruggirello Insurance Agency today for a free quote on mobile home insurance. Our experienced insurance agents are dedicated to finding the best coverage options at affordable prices. Trust us to protect your mobile home along the Treasure Coast with tailored insurance solutions and the peace of mind you deserve.


Remember, at Tom Ruggirello Insurance, we don't just provide insurance; we build lasting relationships based on reliable coverage and exceptional service.

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