California Property & Casualty Broker-AgentProperty InsuranceEasy
A client lives in a mobile home and is seeking property insurance. Which of the following policy forms is specifically designed to provide coverage for mobile homes?
- ADP-3 (Special Form Dwelling Policy)
- BHO-3 (Special Form)
- CMH-7 (Mobile Homeowners Policy)
- DHO-6 (Unit-Owners Form)
Show answer & explanationAnswer & explanation
Correct answer: C. MH-7 (Mobile Homeowners Policy)
The MH-7 (Mobile Homeowners Policy) is a specialized policy form designed to provide property and liability coverage specifically for mobile homes, which often have unique coverage needs not fully met by standard homeowners or dwelling policies.
Why the other options are wrong
- A. DP-3 is for residential properties that are not owner-occupied or do not qualify for homeowners policies, but not specifically mobile homes.
- B. HO-3 is for standard owner-occupied dwellings, not mobile homes.
- D. HO-6 is for condominium unit owners, not mobile homes.
MH-7 (Mobile Homeowners Policy)
A specialized insurance policy form designed to provide property and liability coverage specifically for mobile homes, addressing their unique construction and coverage requirements.
- Similar structure to HO policies (A, B, C, D, E, F).
- Covers the mobile home, personal property, and liability.
- May include coverage for transportation and site preparation.
Memory trick: MH-7 is for 'Mobile Homes' and 'Happy Trails'.