Manufactured home insurance
Manufactured home insurance isn't too difference from normal insurance for the home. This insurance provides coverage in two different areas.
The first includes protection of the home and manufactured possessions. This insurance will protect anything you own against such natural perils including (but not limited to) lightning, fire or hail damage. Some companies will be even more specific and protect against such manufactured dangers as theft, riots or explosions.
The second may provide more monetary aid to you in the long run, as it protects you from lawsuits filed by those who may be injured by you. Known as liability coverage, it may include coverage for lost wages, property damage, medical expenses and indemnities for pain and suffering. This insurance will also sometimes grant you the fees necessary to hire and maintain a lawyer. Liability coverage will not, however, provide payments to your or anybody in your family.
How much you and your home are covered under either of these manufactured home insurance policies varies widely between insurance providers. It's of paramount importance to carefully compare policies. Be wary, too, of cheap policies, as they may include extensive lists of exclusions that will prohibit you from collecting money. Physical damage is especially sticky in this regard: damage to your home in many such policies is highly specified, and if your accident does not closely resemble what's laid out in the policy you won't be paid.
Manufactured liability coverage is much the same. Policies can range widely from one company to the next, so it's best to read through documents carefully before agreeing to anything. Take your surroundings into account and prepare for the worst, just in case you're taken to court.
The best policy (though most expensive) to go with for manufactured home insurance is any comprehensive policy. These will cover most sudden, accidental occurrences around your home, generally with small lists of exclusions that you may be able to include anyway if you up your premiums.
As with any major purchase, research is the key. Check as many companies as you can, gather quotes, and make an informed decision.