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Mobile home insurance is offered for mobile homes that are owned or rented. You can find mobile home insurance coverage that has many of the same features as coverage for a traditional home. You will also find that coverage offers special endorsements to specifically protect your mobile home.
Mobile home insurance is offered by mainline insurance providers as well as specialty providers, giving you a wide variety of choice when looking at coverage. Some specialty providers do not operate in all regions, so you should consider them carefully. It may be necessary to do additional research to ensure that you are getting the coverage that you want.
Information Needed For A Mobile Home Insurance Quote
To get a mobile home insurance quote, you will need the age and dimensions of your mobile home. You may also need ownership history if you are not the original owner of the mobile home. Underwriters will also be interested to know if you are the current owner or if you are renting the mobile home.
You should also be prepared to discuss the stability of the mobile home. The way the mobile home is anchored to the ground can change the price of the coverage. In some areas, coverage may be contingent on certain kinds of ground security.
The location of the mobile home is also important. Coverage can vary in price if the mobile home is a part of a mobile home park or if it is situated on private property. For parks, you may need to know the age of the mobile home park and how many units are a part of the park.
Common Mobile Home Insurance Policy Features
Mobile home insurance policies have coverage for both the interior and the exterior of your mobile home. Common mobile home policy features include:
- Structural insurance coverage. This coverage protects the exterior of your mobile home, as well as attached decking and in some cases, sheds. Vandalism, fire, theft, and wind damage all fall under this coverage bucket.
- Contents insurance. This coverage protects your personal belongings while they are in the mobile home. It may be necessary to get special endorsements for jewelry, expensive cameras, or electronic equipment.
- Liability coverage. This coverage protects you from claim by people who are injured in or around your mobile home.
- Alternative accommodation coverage. In the event that you lose the use of your mobile home due to damage, this offsets the cost of staying in a hotel or another rental until repairs or replacement can be arranged.
Mobile Home Insurance Discounts Available
There are a variety of mobile home discounts available to you. These discounts can be based on the ownership of the mobile home, the security and anchoring features of the mobile home, and your age as an owner.
Many policies offer discounts to you if you are the original owner of the mobile home. Having tie downs for your mobile home can also earn you discounts, especially if these have been verified and certified by an inspector. Additionally, if you are retired and 55 or older and the mobile home is your primary residence, you may qualify for age related discounts on your mobile home insurance.
Mobile Home Insurance Exclusions To Note
Mobile home coverage does come with certain exclusions you will need to plan for as you buy coverage. These exclusions focus in on liability in the event of natural disasters and coverage in the event that the mobile home is not properly secured. You will want to consider which exclusions apply in your area.
Flooding, earthquake, and tornados, for example, represent excluded events in many cases. You may be able to get flood coverage if you are in a flood zone through the national flood insurance program, but expect to pay a premium for the cover. Wind damage from storms may also have special limits under your policy you will want to watch carefully.
Securing your mobile home to the ground is an issue for many insurers. Read the fine print to understand what you need to do to be covered in your area and under your plan. You may need a formal inspection to verify that securing has been done properly.
