What Mobile Home Insurance Offers Policyholders
By Meha Ahmad, InsuranceAgents.com Staff Writer
Shopping for mobile home insurance isn’t all that different from shopping for standard homeowners insurance. The main difference lies in that a mobile home policy is customized for manufactured/mobile homes, providing you with only the coverage that you need. To find that necessary coverage for your mobile home, shop using our online forms to compare homeowners insurance quotes and get in touch with several homeowner insurance agents.
What Do Mobile Home Insurance Policies Cover?
Insurance companies that offer mobile home insurance have certain coverage requirements. Every policy should include the following (if any of the following is lacking, discuss it immediately with your insurance agent):
- The mobile home itself. Any decent mobile home policy will include more than enough insurance to cover repairs for your mobile home’s structure.
- Your personal belongings. Just as important as insuring your mobile home is insuring all of your precious belongings inside of it! Electronics, furniture, wardrobes, appliances, etc., can cost a lot of money collectively—not something you’ll want to replace out of pocket. Make sure your have enough home content coverage on your mobile home insurance to replace all of your personal belongings.
- Family liability coverage. This mobile home insurance coverage covers all legal expenses and offers protection against judgments for any injuries sustained in the home.
- Bodily harm/medical protection. This coverage takes care of all medical expenses for guests who are injured in your home.
- Additional living expenses. This mobile home insurance coverage reimburses any temporary living expenses you incur due to home repairs or reconstruction.
Obtaining Mobile Home Insurance
- Do your research. Find out which insurance providers offer mobile home insurance and which companies come recommended for their mobile home insurance policies. Ask mobile park residents for their personal recommendations.
- Determine what you can spend. Evaluate your budget. It will help you decide what coverage and limits you can afford to include in your mobile home insurance.
- Choose: Comprehensive or Peril Coverage. Both valuable policies cover different situations. Comprehensive coverage covers cases of accidental damage; peril coverage covers perilous events (i.e. home fire, severe storm damage, theft, vandalism, etc.)
- Get the policy before you move in. The best time to buy a mobile home insurance policy is before you move into the mobile home. Doing so eliminates any possibility that your property will be damaged while uninsured.
- Ask about policy cancellations. Ask your mobile home insurance agent about specific policy cancellations scenarios and circumstances. You don’t want to fall victim to coverage gaps right when you need that coverage the most, like after a disaster, property loss or theft.
Buying Mobile Home Insurance Now
Call your local insurance provider and ask if they offer mobile home insurance quotes. Visit credible web sites that help you obtain several home insurance quotes and put you in touch with reliable agents. Compare home insurance policies, coverage options, rates, and services provided by the insurance companies using our simple quote forms located here.
Published: Thursday 20th August 2009
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