Mobile home insurance is a type of coverage that provides a broad level of protection for you and your home. It protects your mobile home’s structure and personal property, as well as offers liability coverage to help protect against lawsuits. For example, suppose your mobile home or its contents sustain physical damage from perils such as fire, hail, theft, or vandalism. In that case, a mobile home policy typically covers the costs of repairs or replacement. Additional structures on your lot, such as a patio or garage, and your personal belongings would also likely be covered.