Published at Wednesday, April 18th, 2018 - 09:46:41 AM. Mobile Home Insurance. By Durand.
Finally, make sure your mobile home insurance policy not only insures your mobile home, but also insures the surrounding property and out buildings. Have adequate coverage to give you enough money to replace your home in the event that something happens to it. Find a good policy that will cover things like fire, storm damage, smoke damage, explosion and damage from vandalism. Nothing is more frustrating or disheartening than to have a disaster, whether natural or man made, wipe out your home, only to discover that it was not covered. A manufactured home is your home. You need to have it covered just like any other home. Compare insurance companies and read all of the fine print. Get everything in writing. Then get the best deal you can on your mobile home insurance policy.
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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