Categories: Buying and Selling

Learn More About Mobile Home Insurance

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Nearly eight percent of the U.S. population lives in manufactured (mobile) homes, according to the Population Reference Bureau and US Census. While several laws have been enacted over the years to make them safer and more capable of withstanding destructive winds, we will always need insurance.

There are several options available for mobile home insurance. While no insurance policy covers everything, several protections normally come standard. Comprehensive, emergency, flood and trip collision are just a few special policies we must consider. This helps protect against a wide range of possibilities and affords the owner some leeway when it comes to choosing the appropriate insurance policy.

Comprehensive insurance coverage takes care of most direct, sudden and accidental physical losses that result from home incidents like these:

Fire
Vandalism
Explosion
Landslide
Falling Objects
Water damage from busted pipes
Damage by wild or stray animals
Wind
Hail
Collapse from weight of ice or snow

If an accident occurs and someone is injured or their property damaged due to negligence on the part of the homeowner, liability coverage picks up the tab for medical bills, lost wages, and pain and suffering. It also pays for legal representation in the event that person sues and legal fees are owed.

For those seeking maximum protection, other coverage’sare also available, including additional living expenses, debris removal, earthquake coverage, emergency repairs and food spoilage; as well as mobile trip coverage during moves; water backup coverage for damage from overflowing sewers or drains; and replacement cost coverage, which pays off the home completely in case of total loss.

Floods are not covered on most insurance policies. You should buy flood insurance if you live anywhere that water can reach into your home during an immense flash flood like we had here in WV in 2001, over 10″ of rain in less than 12 hours.

There are several ways to save money when buying insurance. To get the best rates on insurance premiums, owners should ask agents if they’re eligible for the following discounts:

Approved protective devices, like monitored alarms or deadbolts
Secure anchoring to concrete slab
Newer mobile homes insured for replacement cost
Senior citizens discounts
Multi-policy deductions

Also do you homework and shop around for the best coverage at the best price. I have found a great site called MobileHomeInsuranceQuotes.org. This site is strictly for mobile home insurance quotes, allowing you to get several quotes from different companies in one easy place.

This site also has some great articles that will help guide you in your endeavor of obtaining the insurance that you need most. One particular article “Mobile Home Insurance vs Home Insurance” easily explains the difference of the two.

If you are in the market for insurance or just curious if you may be able to save some money while keeping or even extending your coverage you will definitely want to check Mobile Home Insurance Quotes website out. I have yet to find a more focused site for our particular insurance needs.

Please don’t think you can’t get insurance on your mobile home. Years ago my own father couldn’t get insurance on his double wide because it wasn’t set on a permanent foundation, thankfully most companies have relaxed that rule. New companies have stepped in and allow any type of foundation. Fireplaces may of course raise your rates, but there are so many things you can do to lower the rate, making it easily affordable.

For our little bit of coverage we currently pay less than $150 every 6 months. Of course, we are only insured for the replacement value of the home. Now that we have paid it off we must find the amount that best suits our needs and the improvements that we have made. Our home is not on a permanent foundation and yet it was very easy to get the insurance, only one visit from the adjuster and we were covered.

Don’t let the need arrive before you need insurance, prepare yourself. In this day and age, a home that is uninsured is a catastrophe just waiting to happen. Prepare your family for fire by having fire drills and make sure your fire alarms are properly working. Have an escape plan and make sure your children know what to do.

Just last month in Charleston, WV an entire family of 9 perished, including 7 children because there were no working fire alarms in their home. It has prompted the local fire departments to give out free alarms but they still won’t work if the batteries are dead. Please be safe!

Thank you so much for reading Mobile Home Living!

Crystal Adkins

I'm Crystal Adkins, the creator of Mobile Home Living, and I hope you've found the mobile home remodeling ideas, decorating inspiration, and repair help you've been searching for. Please consider letting me feature your remodels, room makeovers, DIY projects, and home improvement projects. There simply isn't enough inspiration available for mobile homeowners and I want to change that. Together, we can show the world that factory-built homes are as beautiful as any other at half the cost per square foot. Thank you!