In the context of Mobile Homeowners Policies, what does MH(C) cover?

The correct coverage for Mobile Homeowners Policies, specifically MH(C), includes a broader range of protections beyond just fire and theft. While it covers various types of damage to the mobile home itself, it generally does not include earthquake as standard coverage; however, it may offer endorsements for other perils. The focus of MH(C) is typically on ensuring that the mobile home is protected against common risks associated with its specific nature and living arrangements.

In contrast, earthquake and flood coverage usually require separate policies or endorsements due to their specific risks and the potential for significant damage. Meanwhile, options that suggest only liability or restricted coverage such as only fire and theft do not encompass the full range of protections that a comprehensive policy like MH(C) is designed to provide. Therefore, choosing the option that reflects broader coverage accurately captures the intent and design of the policy.