Protect Your Family and Home with Mobile Home Insurance

Mobile homes are built in factories and warehouses rather than on site. They are connected to gas, water and sewer, and are used as permanent homes and vacation retreats. At one time mobile homes were not considered permanent structures but now many mobile homes are placed on a foundation and rarely move except when initially put in place. Mobile home insurance is necessary to protect you and your family in case of fire, theft or other catastrophic event. Mobile home insurance is more economical than it once was as the quality of construction is equal to and sometimes better than on site built homes.

Purchasing insurance for a mobile home is similar to buying home owners insurance for a traditional on site built home. It is important to shop around to be sure you are getting a rate. Each company differs in the specifics of coverage but a typical policy will cover physical damage such as wind, fire, explosions, lightening and falling objects. This includes your home, sheds or detached garage. Protection of personal property whether they are in your home or on adjacent property is damage, destroyed or stolen. Personal liability insurance protects you if you cause property damage or bodily harm to someone who doesn't reside in your dwelling. This coverage will pay for medical bills and legal fees should someone sue you.

Your standard typical mobile home insurance doesn't include flood insurance the same as it doesn't include flood insurance for the traditional on site built home. If you live in an area that is prone to flooding or if you want flood insurance for peace of mind, you will have to purchase a separate policy just for flood insurance.

Mobile home insurance premiums may be eligible for a discount if the owner is over 50 years of age, your home is fairly new, smoke or fire detectors have been installed, skirting has been installed around the bottom, the roof is pitched or shingles, a basement is beneath the mobile home and your home rests on a permanent foundation. If you are considering purchasing a policy based on these possible discounts be sure you ask for specific information regarding the discount items. For instance, you want to be sure you have installed approved fire or smoke alarms.

When you purchase a mobile home, be sure to ask the manufacturer if the home is insured in case of damage during transit and set up. Check with your insurance company to find out if your policy includes coverage for any damage sustained during transit and set up. If it isn't, you may want to consider a policy to cover that period of time.

Other additional cover you can get for your home, at an additional cost, is identity theft insurance. It provides coverage in the event the insured identity is stolen. A personal property floater policy will cover collections and items of great value that will be kept in the home.

One last bit of advice is to reevaluate your personal property every few years and be sure your policy covers the increase in the value of items that you will acquire from time to time.

Voting Question: Mobile home insurance? (Answers: 2) (Comments: 0)

I live in GA and would like to know what companies offer the best priced mobile home insurance. It is a 2008 model. Thanks in advance for any help!

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Mobile Home Insurance? (Answers: 3) (Comments: 0)

Im trying to find insurance for our mobile home its a 1988 and is in a park, were having a hard time finding companies. Which one do you use, and what is their website. Thanks I disagree im the one paying them to insure my property. For the what if's. I have AAA and they wont insure since its not on property. Im looking for structural insurance mainly since we have homes around us also.

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mobile home insurance? (Answers: 3) (Comments: 0)

What is the highest limit of liability for a mobile home? I was told somewhere around $30,000, not as high as for houses which can be $75,000 and up. Will insurance companies sell insurance for a mobile home that is not in the right zone. Will a mobile home that does not meet the wind zone construction standard be covered by insurance companies?

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