The Manufactured Homeowners 3 policy form protects you against loss to your home and personal belongings. The MHO3 policy also provides additional living costs, for a period of time, should your home become uninhabitable due to a fire or other covered loss. Personal Liability is another important feature of manufactured homeowners insurance that protects your assets if someone is injured on your property.
The Homeowners 6 is specifically designed for condominium unit owners. The HO6 policy covers your contents and permanently attached building items inside your unit. If your damaged unit is not livable, the policy also includes loss of use, until it can be reasonably repaired. Personal liability and medical payments to others are also included, as is some coverage for loss assessment by the condominium association. Ask your insurance representative about any optional coverages you may need, such as scheduled jewelry or protection for rental condominiums. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss.
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