Manufactured/Mobile Home Owners & Dwelling

Avatar offers two types of coverage options for manufactured/mobile homes constructed 2004 and newer, Homeowners (HO3) and Dwelling (DP1) policies.


The Mobile Home Owners, HO3 policy

The Mobile Home Owners, HO3 policy provides coverage for your home and your personal property. The structure is adjusted at replacement cost when it is insured for no less than 80% of its replacement value. Replacement cost coverage for personal property is available as an option. Personal property includes furniture, clothes, appliances in the home, personal items and household decor. The coverage will pay to replace or repair your property up to the coverage limits subject to special limits.


Mobile Home Dwelling, DP1 policy

Our Mobile Home Dwelling, DP1 policy provides coverage for your home and your personal property, however only for covered perils. Extended coverage is available as an option to expand the perils covered. The structure is adjusted at replacement cost when it is insured for no less than 80% of its replacement value. Replacement cost coverage for personal property is available as an option. The DP1 policy is the only option available when your home is used for any rental and additional exclusions and coverage limitations apply. There is no coverage for Water Damage or damage to the personal property of others.

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1101 E Cumberland Ave, Tampa, FL 33602

   877-233-3238

FSR for AVATAR PROPERTY & CASUALTY INSURANCE COMPANY

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