Mobile home insurance is a type of insurance 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 offering liability coverage to help protect against lawsuits. If your mobile home or its contents sustain physical damage from perils such as fire, hail, theft or vandalism, the costs of repairs or replacement are typically covered by a mobile home policy. Additional structures on your lot, such as a patio or garage, and your personal belongings would also likely be covered.