Published at Wednesday, April 18th, 2018 - 12:05:13 PM. Mobile Home Insurance. By Durand.
Even though most insurance companies offer the same basic coverage that the next company offers, but what is not the same is the price. You would think that because the insurance policy is the same that you would be paying roughly the same price from insurer to insurer. This is simply not the case, the prices can easily vary by hundreds of dollars. This is why its important to get a quote from an insurer before you decide that they are right for you. Sometimes you will find that a cheaper solution is just right around the corner. Insurance quotes are great, and they are even better when they are free. It gives you a chance to really see where you are money would be better spent. Even if you do not find the absolute best deal that you can get, its better to know that you are getting the best price for your area. Remember, information is the key to saving you big bucks when it comes to any insurance policy and your mobile home insurance is no exception.
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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