The term "Mobile Home" applies to a home that can be moved from one place to another. Mobile homes are a cost effective way for many people to become homeowners, or to own a vacation home. In many cases a mobile home is far less expensive than a regular home, but it still offers many of the same benefits. Just because your mobile home costs less, it does not mean it is not your most valuable asset and as such, you need to protect it and your possession with the right insurance policy in case a disaster strikes.
Typically, mobile home insurance coverage will compensate you for losses caused by fire, storms, theft, accidents, and other forms of loss.. It is important to us to make sure that you obtain the best coverage available at the best possible cost.
However you may need additional coverage for items such as:
- Other structures. If you have other structures on your property, ones that are not attached to your mobile home, you will need to consider covering them under other structures.
- Replacement cost for your contents. This coverage is normally not included in the base policy and must be added separately.
- Valuables. If you have jewelry, furs, collectibles, antiques, electronics, or other valuable items, your policy may not give you the protection you need.
- Sinkhole coverage. Sinkhole coverage can be added to your policy for an additional premium. Some carriers require that you pay for an inspection before they will add this coverage to your policy. If you do not carry sinkhole coverage, your policy will only cover catastrophic ground collapse, which means your home must be condemned in order to trigger coverage
We know that everyone has different needs and that is why we specialize in creating tailored insurance policies to fit both your needs and your budget. We don’t want you to come home to some type of disaster and find you don’t have the right coverage. We want you to be completely informed to all options and will be pleased to fully explain the various types of coverage available and provide you with a free quote. Call us today.