Mobile Home, Manufactured Home? Need Insurance? We’ve Got You Covered!
Home insurance on a mobile home isn’t much different in terms of what’s covered than a site built home. If you need a mobile home insurance policy for your place, ConsumerCoverage has the answer and the companies to provide you a policy at a competitive price. Conveniently, you can do it all online too and get the customized package that will provide the protection you need.
Types of Alternate Home Construction
There are two types of homes that are considered alternately constructed homes. They are modular and manufactured homes. A modular home is constructed in a factory trucked to a site and assembled on a foundation and is subject to local building codes. A Manufactured home is built on a wheeled steel frame in a factory and trucked to a site where it can be tied down or put on a foundation but it is subject only to HUD building standards.
What’s Covered By The Average Mobile Home Insurance Policy?
Like a site built homeowner’s policy, an affordable mobile home insurance policy covers the following:
- Fire
- Windstorms like hurricanes and tornadoes
- Falling objects
- Lightning
- Explosion
- Visitor injuries including medical care
- Furnishings and personal property
- Sheds and unattached structures
Optional coverages are available for additional athletic equipment, musical instruments, jewelry, identity theft and flood and earthquake damage where applicable.
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How to Save Money and Cut Costs On The Best Homeowners Insurance for Mobile Homes
Insurance costs are based on the following factors:
- Home’s value and cost of replacement
- Size(square footage) and construction materials
- Age and location
- Proximity to fire department and hydrant
- Whether lot is owned or rented
- Security features
Savings on your insurance can be gained by installation of security devices, age of mobile home discounts or bundling with your car insurance.
Still have questions? Here Are Some Common Questions
Do I need flood or earthquake insurance?
Your mobile home community can generally provide insurance about local conditions that might require extra coverages.In some areas insurance to cover things like hurricanes, floods and earthquakes may not be easily available.
Is insurance required on a mobile home?
If you are renting, the landlord should have coverage on the structure but you should insure the contents which are yours. If you have a mortgage, the financing agent will require it. Some mobile home communities may also have requirements about insurance as well.
Buy mobile home insurance right here at ConsumerCoverage. From great companies like Foremost and Assurance who specialize in mobile home coverage.