HO-7: Mobile Home Form

The HO-7 form, or mobile home insurance, is specifically designed for mobile or manufactured homes. It provides coverage similar to an HO-3 policy, offering protection for the home itself on an "open peril" basis and personal property on a "named peril" basis. It also includes liability coverage, additional living expenses, and optional add-ons for unique risks associated with mobile homes. This policy ensures comprehensive protection tailored to the needs of mobile homeowners.

HO-7 POLICY TYPE: Open Peril (All-Risk) for the Dwelling

HO-7 DWELLING COVERAGE: Replacement Cost (RC)

HO-7 PERSONAL PROPERTY COVERAGE: Replacement Cost (RC)

WHO IS THE HO-7 FORM FOR? Also known as mobile home policy (MHP), an HO-7 policy is designed for mobile homeowners of units that include single- and double-wide manufactured homes; single- and double- wide mobile homes; trailers; sectional homes; modular homes and park model homes. Damage coverage typically is for stationary coverage, not in transit coverage.

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HO-7 POLICY COVERAGE:

• Dwelling Coverage: YES
• Other Structures Coverage: YES
• Personal Property Coverage: YES
• Additional Living Expenses (ALE): YES
• Personal Liability Coverage: YES
• Medical Payments Coverage: YES

HO-7 PERILS COVERED: 

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Aircraft
• Vehicles
• Smoke
• Vandalism and mischief
• Theft
• Volcanic eruptions
• Falling Object
• Weight of ice, snow or sleet
• Water/Steam Accidental Discharge or Overflow
• Water/Steam tearing, cracking, burning, or bulging
• Freeze: plumbing, heating, AC, fire sprinkler, appliance
• Artificially generated Electrical Current damage
• All perils except flood, earthquake, war, nuclear accident, landslide, mudslide, sinkhole and others specified in the policy.