Published at Wednesday, April 18th, 2018 - 12:07:32 PM. Mobile Home Insurance. By Durand.
A good manufactured home insurance policy will offer protection on your personal possessions. Take a complete inventory of all your personal items. Include pictures of each item. Keep this list, as well as the pictures in a secure place that is not in your home, such as a safety deposit box. If your home is destroyed, you will need this list and pictures as proof of your personal possessions to get compensation. You could trust your insurance agent with it, but it is better to keep a safe copy for yourself. This may seem unnecessary to some, but if you ever have a serious claim situation you will be thankful that you took a few minutes and followed this step.
Insurance policies for mobile dwellings can cover you against all risks or only narrowly against specific risks. In general, a policy against a specific risk covers losses from the residence and its contents in case of fire, lightning, explosion, transport, theft, windstorm, riot or civil disturbance. Personal property in a home can also be covered as well. An all-risk policy covers losses from damage to property where at least two conditions are met: the cause of damage must be direct, sudden and accidental and should not be listed in the exclusions of the policy. An all-risk insurance policy covers all risks (causes of loss) that do not appear to be specifically excluded. Read your policy carefully to ensure that you understand your insurance company's responsibilities. Insurance coverage will vary depending on the policy and the policyholder's individual needs.
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