Carrier: American Reliable Insurance Company
This program offers comprehensive coverage for mobile or manufactured homes up to $175,000 for Coverage A and have been built in or after 1960. Many additional coverages including water backup, flood, freezing and hobby farming are available. Credit Score impacts eligibility.
**South Dakota program is closed for the following counties: Butte, Clay, Custer, Fall River, Harding, Lawrence, Lincoln, Perkins, Union & Yankton.**
Features:
- Available to Multiple Occupancies - Policies may be written for Primary, Seasonal/Secondary or Rental Occupancies.
- Coverages Specifically for Manufactured Homes: Tie down equipment and emergency removal coverage provided.
Additional coverages in the policy may include:
- Personal Liability: Provides protection for accidents that happen to someone else for which you are legally liable for on or off the insured premises.
- Premises Liability: Provides protection for accidents that happen to someone else for which you are legally liable for on the insured premises.
- Medical Payments to Others: Pays medical expenses from accidents resulting in bodily injury to someone else.
- Additional Living Expense: Helps with expenses when you can’t live in your home due to damage or destruction from a covered loss.
- Fire Department Service Charge: Pays for fire department charges if a fire department must be called due to a fire in or endangering your home.
- Food Spoilage: Pays for spoilage of food in your freezer or refrigerator caused by interruption of electrical service.
- Trees, Shrubs, Plants and Lawn: Pays for the loss or damage of your trees, shrubs, plants or lawn caused by a covered peril.
- Debris Removal: Pays for the cost or removing debris caused by a covered peril.
Optional coverages available include:
- Golf Cart - Liability & Property
- Scheduled Personal Property
- Earthquake
- Flood
- Water Back Up and Sump Discharge or Overflow
- Identity Fraud
Downloads / Links
Available in the Following States
- North Dakota
- South Dakota
