How Mobile Home Insurance Works

The best way to make sure that your mobile home is protected from the perils of Mother Nature and the weirdest of circumstances is by purchasing mobile home insurance. Mobile home insurance acts a little similar to homeowners insurance in the sense that it protects the structure of the mobile home, but its coverage overall is very different. Although the policy covers a brood range of natural phenomenon and protects the nature of needs of mobile home owners, it can be more expensive to purchase compared to homeowners insurance, since mobile homes are more at risk of damage for its simple construction.

What’s In A Mobile Home Insurance Plan?

With mobile home insurance, there are two policy types: peril policy, which covers your mobile home when there’s a fire, tornado, and other natural disasters or strange happenings, and comprehensive policy, which covers risks that are not normally listed and excluded by the peril policy. Usually, mobile home owners can buy the following mobile home insurance packages: 

• Personal property

• Personal liability

• Fire and extended coverage

• Additional living expenses

• Emergency removal expenses

• Consent to move

• Transportation coverage

• Lien holder’s single interest coverage

Note: Some packages are optional to purchase.

What To Do To Get Mobile Home Insurance

To find a mobile home insurance policy that’s right for you, you should ask your family and friends for recommendations or shop online for a free mobile home insurance quote from an insurance rate generation website or a private insurer you may know of. However, beware; the insurer will ask you some questions about yourself and your mobile home, regarding its age, the amount of finances you have, and if your home meets tie down requirements. 

Your mobile home may shelter you from the outside elements now, but the chance of loss will always exist. Shop around for the right mobile home insurance policy that fits your needs. And remember; the more options you have, the more likely you will walk away with awesome coverage and an affordable monthly premium.

Staff contribution: Brandon Clayton

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