HO-7 homeowners insurance specifically covers what type of property?

The HO-7 homeowners insurance policy is specifically designed to provide coverage for mobile homes and house trailers. This type of insurance addresses the unique needs of these properties, which often differ from traditional single-family homes, condominiums, or rental units. Mobile homes have specific risks associated with them, such as being more susceptible to damage from high winds or being relocated, and therefore, the HO-7 policy includes coverage tailored to those risks.

In terms of providing coverage, the HO-7 includes typical homeowner protections, such as coverage for the structure of the mobile home itself, personal property, liability protection, and sometimes additional living expenses in the event the home becomes uninhabitable due to a covered loss. Thus, this insurance is essential for owners of mobile homes who need specialized coverage that is not provided by more standard homeowner policies.