Mobile Home Insurance
A great insurance policy will provide superior coverage at an affordable premium. Most insurance companies strive to provide just that when it comes to mobile home insurance. When choosing a mobile home insurance policy, you want to make sure you get enough coverage for your home.
Mobile home insurance is a type of insurance product that covers the mobile home itself and nearby structures. It also covers certain personal belongings. Some insurance companies will also provide access to liability coverage for additional protection.
Accidents for many are not a surprise especially in states that are hit hard yearly with natural disasters. Damages to your residences from fire or tornados are among the highest reasons to file a claim. Without insurance, you may face substantial out-of-pocket expenses. Mobile home insurance covers:
- Structures that are detached but reside on your property such as a garage or shed.
- A majority of your personal belongings;
- Living expenses if the property ends up being a loss;
- Injuries that may occur your property
Under this policy, mobile homes, manufactured homes, and modular homes are all eligible for protection. If the mobile home you are living is not your primary home, you can still be covered. You can be covered with non-owner-occupied, temporary, or even local rental mobile insurance policies to cover it.
If you are renting the mobile home, you may want to consider renters insurance. This type of insurance is ideal for anyone that is renting a mobile home or even apartment. Renters insurance is an insurance plan which offers almost all of the benefits of homeowners insurance plan. This does not incorporate insurance coverage for the property itself or the structure. The tenant's individual home insurance is covered against challenges including fire, theft and vandalism. The owner of the house is in charge of insuring it, but does not hold any obligation for the tenant's belongings.
It is important to make sure that you consider all the types of coverage available. This should not only include mobile home insurance but also:
- Earthquake Insurance
- Flood Insurance
- Personal Property Insurance
If you want to combine your mobile home insurance and renters insurance coverage, most companies will give you a discount for having a multiple policy. For example, you could cover the house, attached structures, and individual belongings with at least 2 insurance policies. If you have questions regarding mobile home, call us today to get free a quote.