By Durand. Manufacturer Home Insurance. Published at Friday, March 30th, 2018 - 20:02:42 PM.
It does not make sense to pay 30% more for the exact same insurance that other homeowner's are getting at wholesale prices, does it? Of course not. Yet many homeowners are doing just that, month after month, year after year, simply throwing money away and getting absolutely nothing in return for it. If you live in a manufactured home there is no reason in the world for you to be paying as much as you are for your home protection - not when there is a simple little secret that will cut your cost overnight...a deep, dark little secret that your broker hopes you will never find out about. But before we get to the Big Secret that's giving your broker nightmares, let's look at a few more ways for you to save money on top of the 30% savings I will share with you in a moment.
Why get a manufactured home insurance? What is it all about? While most of us believe that our home is an investment that keeps us secure, we rarely think and often neglect how to protect the roof over our head and everything under it. Just think about what would happen if your home gets caught on fire? How about a dreadful flood? We all hope and pray that we will never have to experience these tragic events but being prepared is much better than paying the ultimate price when something like this happens. This is where manufactured home insurance really comes into play.
You can save more on your premiums (by as high as 25 percent) if you are able to raise the usual $500 deductibles that are being recommended by most insurance companies. Getting lost already? Getting confused with what deductibles mean? In the terms of an insurance policy, it is defined as the cost by which you shell out towards a loss before your claim is reimbursed by your insurance company. Just in case you are not aware, you should know that there is a separate deductible for different types of damage that your house may incur. This is true especially for those that live in disaster-prone localities. Whether you live in an area that is often visited by windstorm, vulnerable to hail storm, or situated along a fault line then you must have separate deductibles for the specific possible-damage.
Before you buy a house, consider computing the cost of your manufactured home insurance - Sometimes there is a great possibility that you would pay less premium cost with the proximity of your house to a fire department or if it is on site with a nearby fire hydrant because this will reduce the risk of your house completely burning to the ground. Do not be afraid to ask questions - It is always to your advantage to ask what you do not understand. If there are things that are not quite clear to you especially the ones written in the policy, it is your right to ask. You may have overlooked some of the things that you need to cover and sometimes you will really need the help of your insurance agent to ensure that you have covered everything. Many companies specialize in Manufactured Home Insurance, check with several companies before you buy in order to get the best possible price.
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