The Manufactured Homeowners 3 policy form is referred to as a comprehensive policy, covering your manufactured home and personal property from such risks as fire, lightning, vandalism, water damage, theft and wind. The MHO3 policy also includes personal property, limited other structures, and loss of use, until it can be reasonably repaired, if you cannot live in the manufactured home. Personal liability and medical payments to others are also included. Ask your insurance representative about other optional coverages you may want to add. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss.