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Wayne Mutual offers three programs for single wide, double-wide or sectional mobile homes:  Preferred Mobile Homeowners, Traditional Mobile Homeowners and Standard Mobile Homeowners.  These programs are designed to meet the needs of mobile homeowners based on the age, condition and characteristics of the mobile home. Consult your local agent to find out which program will best suit your needs.

Note: Wayne Mutual offers coverage for modular homes (homes without a steel undercarriage) in its Homeowners Programs.

Wayne Mutual's mobile homeowner programs offer protection for the following:


Covers damage to your mobile home

  • Most common perils including fire or lightning, theft, vandalism and windstorm or hail, explosion, smoke and glass breakage

  • Personal property, including clothing, furniture and appliances

  • Damage to additional structures on premises

  • Additional living expenses


Covers bodily injuries and property damage to others

  • Personal liability

  • Medical payments to others

Optional coverages:

  • Building additions and alterations at other residences

  • Increased limits for building additions and alterations

  • Credit card, fund transfer card, forgery and counterfeit money

  • Earthquake and loss assessment for earthquake

  • Loss assessment (your premises or additional locations)

  • Increased limits for loss of use

  • Permitted incidental occupancies (your premises)

  • Other structures (your premises)

  • Specific structures away from premises

  • Scheduled personal property (jewelry, watches, furs, money, securities, silverware/goldware/pewterware, firearms, cameras, musical instruments, tools, lawn and garden equipment, collectibles and antiques)

  • Theft coverage for rental to others

  • Sinkhole collapse coverage

  • Increased limits for business property

  • Special computer coverage

  • Home day care coverage ( 1 to 3 persons)

  • Ordinance or law coverage

  • Special personal property coverage

  • Personal property replacement cost

  • Loss of contents of a freezer or refrigerated unit

  • Water backup and sump overflow (sewer and drains)

  • Enhancement endorsement

  • Theft of building materials

  • Homes, garages or other structures under construction

  • Lienholder's single interest

  • Transportation/permission to move coverage

  • Property removed

  • Additional insureds

  • Additional interest

  • Factory fireplace

  • Mine subsidence

  • Restrictions to policy

  • Boat owners (see our Boatowners page)

  • Home business coverage (preferred program only)

  • Inflation protection (automatically increases your coverage each year - preferred program only)

  • Personal injury (false arrest, libel or invasion of privacy)

  • Business pursuits

  • Liability for additional insured locations

  • Incidental farm liability

  • Waterbed liability


  • Auto/home discount

  • New mobile home (for mobile homes built within the last 5 years)

  • Fire/burglary/smoke alarm protection

  • Tie-downs (standard program only)

  • Composition shingle roof and permanent masonry foundation (double-wides - standard and traditional programs only)

The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Mutual agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.



Send comments to the webmaster updated:08/30/12

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