Published at Wednesday, April 18th, 2018 - 12:08:23 PM. Mobile Home Insurance. By Durand.
When you get a mobile home insurance quote online, you are not bound to sign any insurance contract. After all, the estimate will rarely be the exact rate you will end up with in the end. The online quote is just a way of letting you know what is possible. Mobile homes are different from standard construction homes. There are types of coverage that are included in mobile home insurance policies that are unique. For example, the cost of transporting your home to remove it from the path of a disaster will be covered. Make sure your insurance mobile home insurance quote includes all the types of coverage that pertain to mobile homes. The estimate should spell out what you would be getting for your money.
An insurance company is very particular with the risk factors. When an issuer provides you with a quote, it is already considering the odds of getting a claim. Normally, stolen contents in your home are covered but one should keep in mind that failure to secure or lock the doors will nullify the claim as it is not covered due to negligence. Not surprisingly, manufactured homes are generally not as secure as permanent houses maybe due to the tendency that these homes are often found on areas with high density of population and anonymity. Add to the fact that mobile or park homes are not really as sturdy and burglars can break in with relative ease. Most manufactured homes are not equipped with security system as well. In other words, mobile homes are situated in locations where there is a high propensity of theft and the structure itself is more inviting for burglars. This is one of the main reasons why insurance of mobile home owners are more expensive.
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