Mobile Home Insurance
by Penny M. Hagerman
Portable and convenient, mobile homes can be found in nearly every major city and rural town across America. Unlike their traditional, stationary counterpart, mobile homes provide an easily transportable and often low-cost alternative to home ownership for those who can't afford more conventional housing.
Many mobile home owners invest everything they have into their lair. And since that's where the heart is, it's important to protect that financial investment with a specialized insurance policy.
Available through the extensive network of insurance agents at InsureMe, mobile home insurance quotes help owners take care of what really matters—home, family and finances—whether they live in Smalltown U.S.A. or The Windy City.
Necessary Protection for the Unexpected
Sometimes the unexpected happens. And because they're so mobile, many mobile homes aren't as secure as traditional houses.
But when fire or hailstorms take their toll, leaving damage or destruction in their wake, most people don't have enough cash on hand to cover the damages that can result, let alone pay for temporary lodging while their mobile home is being repaired. Thus the need for insurance.
With mobile home insurance, major financial setbacks aren't a problem. By covering damages to the house itself; other structures on the property (like sheds or garages) and personal possessions inside the home, this type of insurance coverage helps get owners back in their abodes as safely and quickly as possible—with little to no out-of-pocket expense.
Mobile Home Insurance Options
So what does insurance like this really cover? While no insurance policy covers everything, several protections normally come standard in a mobile home insurance plan. 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 mobile 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 for their mobile home, other coverages are 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 mobile home completely in case of total loss.
Valuable Discounts to Ask About
We're all looking for ways to save a buck or two—especially on insurance premiums.
To get the best rates on mobile home insurance, 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
- Mature mobile homeowners' savings
- Multi-policy deductions
Mobile Home Sweet Home
Transportable, affordable homes offering freedom and independence, mobile homes need the right protection, just like other abodes.
For the right cover at the right price, turn to InsureMe today. We'll help you find a caring, local insurance agent—so you can relax and enjoy home sweet mobile home.
