Your home may be small and mighty, but you’ll need mobile home insurance to protect it.
Mobile homes have more risks than a house or apartment.
It is a common misconception that mobile homes require less insurance coverage compared to conventional houses or apartments; however, this is not accurate. The unique construction of mobile homes may render them more susceptible to significant damage from fires or various natural disasters. Additionally, the compact size of these homes increases the likelihood that an entire property, along with all personal belongings, could be completely destroyed in such events, rather than limiting the damage to a specific section of a larger dwelling.
Coverage designed specifically for your mobile home.
The positive aspect is that you have the opportunity to obtain specialized insurance that can be customized to fit the specific model and design of your home. Additionally, it is often possible to acquire optional coverage that addresses risks such as damage incurred during relocation or from natural disasters, which tend to pose a greater threat to mobile homes compared to conventional houses.
Why do you need mobile home insurance?
Regardless of whether insurance is mandatory for you, it is advisable to contemplate obtaining coverage for damages resulting from covered natural disasters, in addition to liability protection to assist with medical expenses.
How much does mobile home insurance cost?
The expense associated with insuring your mobile home is influenced by factors such as your geographical location, the insurance provider, and the overall worth of your residence.
The difference in coverage for mobile and manufactured homes.
Prior to obtaining a policy, it is essential to verify the manufacturing date of the home. Mobile homes constructed after June 15, 1976, are categorized as manufactured homes, which may influence the types of policies available from insurers. For instance, if your mobile home is deemed a manufactured home, you may be required to secure a home insurance policy, which provides different coverage compared to a policy tailored specifically for mobile homes. Are you seeking mobile home insurance to safeguard your residence? Reach out to us to explore your options.