Mobile Home Insurance

mobile home insurance

Working with us to insure your mobile home is a calm, reassuring, and easygoing experience — especially when the weather isn't. Our agents are hometown people delivering honest answers, good advice, and quality customer service from within your community. We have adjusters throughout Kentucky. When you file a claim, you can expect it to be handled quickly and efficiently by a local claims office.

Contact your local Kentucky Farm Bureau Insurance agent for more details about policy coverages and availability. No matter where you live in Kentucky, there's a local agent near you.

Coverage Options

Property coverage

  • Mobile home
  • Other buildings
  • Personal property
  • Additional living expense

Liability coverage

  • Bodily injury
  • Property damage
  • Medical payments
  • Damage to property of others

Some of the causes of physical damage the policy provides coverage for are:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Flood
  • Aircraft
  • Theft
  • Falling objects
  • Weight of ice, snow, or sleet
  • Accidental discharge or overflow of water from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance
  • Breakage of glass

Your Kentucky Farm Bureau insurance also provides limited coverage for fire department service charges for your property. If you find it necessary to move your mobile home to protect it from damage by fire or another covered peril, we provide limited coverage for the cost of the move.

Protection is also available for:

  • Private garage
  • Storage buildings
  • Room additions
  • Porches
  • Awnings
  • Window air conditioners

Additional protection is available for your belongings, including:

  • Jewelry
  • Furs
  • Firearms
  • Money/coins/gold
  • Silverware/goldware/pewterware
  • Computers
  • Fine arts
  • Cameras (non-commercial)
  • Golfer's equipment
  • Postage stamps
  • Musical instruments (non-professional)

Optional coverages

  • Teacher's liability
  • Liability and physical damage coverages for all-terrain vehicles
  • Vendor's single interest
  • Replacement cost loss settlement on the mobile home for the first 5 years from the date of manufacture
  • Sudden and accidental tearing apart, cracking, burning or bulging peril and freezing peril
  • Water back-up and sump overflow
  • Identity-fraud expense coverage
  • Earthquake

Ways to Save

Check out a brief description of some of our discounts below. If you're interested in learning more, chat with your local agent for specific rules and eligibilities.

Active automobile policy discount 
If you have an active automobile policy with us, you are qualified for up to a 20% reduction in your annual premium.

Dwelling age discount
Based on the age of your mobile home, you may be eligible for a discounted premium.

Protective devices discount
We'd be happy to reward you for safety enhancements made to your property, such as deadbolt locks, smoke alarms, fire extinguishers, security alarms systems, sprinkler systems, and more. 

"Property Plus" discount
We love to reward good members! Claim-free members and/or those with a qualifying insurance score may be eligible for a discount.

Coverage availability is subject to eligibility and other qualifications. Please consult your policy for actual contract coverage and exclusions. 

About Kentucky Farm Bureau Insurance

Kentucky Farm Bureau Insurance has been serving families of the Bluegrass since 1943. We are the largest property and casualty insurance company in Kentucky. We're located where our customers are — in each and every one of the 120 counties in the Commonwealth. Tired of dealing with a computer or answering service? We're hometown people ready to serve you on a personal basis.

Kentucky Farm Bureau Insurance is rated A (excellent), one of the highest ratings awarded by the A.M. Best Company, the most respected name in insurance rating services. In addition, we are currently rated an A+ with the Better Business Bureau (BBB). BBB ratings are based on 13 trust-related factors, including fair and appropriate handling of any customer complaints filed with BBB, business stability as represented by numerous years of business, and compliance with BBB’s Standards of Trust.

 

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What to do if you experience property damage or a loss

If you have experienced property damage or a loss, click here for instructions on what to do next.

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