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
At A-Best Insurance, we try our best to find a reasonable price on Mobile Home Insurance. Please feel free to contact us at 713-475-1967