By Durand. Manufacturer Home Insurance. Published at Sunday, April 15th, 2018 - 21:53:53 PM.
When getting manufactured home insurance, it is strongly suggested that you go to companies who specialize in manufactured home insurance. It would be a mistake to turn to just any insurance company. First off, you are not sure if they know everything that they need to know in order for you to receive the best coverage at the best price. The risks involved and the type of coverage is different from a conventional home or an automobile insurance policy. To make sure that you understand what manufactured home insurance is all about and to have a macro and micro view of the standard coverage, this article will summarize everything you need to know about it so that you will not get caught up with an agent who is just trying to beat around the bush and then you end up not really understanding what he is offering you. Educate yourself with this information.
It is not easy to find such a policy as mentioned, clearly we need to contact companies who are indeed following the best set rules. We also need to be aware of some of the common policies we have today to get a clear picture of what to expect from your manufactured home insurance company. Let's say for example, you have your property insured for about $750,000, this actually follows that your personal effects should be insured for about $75,000 automatically. You must be aware, as the homeowner, of these set rules. Moreover, if you suffer from damages on your personal belongings or even theft, your possessions should also be covered in the insurance terms, naturally for 50% of your home's cost. When you insure your house for $500,000 then your possessions should be worth $250,000.
As a customer and a homeowner, you must think carefully and be smart in choosing the best insurance. Weigh the pros and cons and do not hesitate to ask questions for certain concerns or policies that you may not understand. This will help you in deciding what coverage options you might want to have and what you should forego. Determining what policy options are best for your manufactured home is indeed a valuable step in this process. If you have a home that has been built for over 10 years already, you might want to talk to your agent and see what your options are. Maybe you should get an actual or replacement cost coverage? You can also take a look at transport insurance. This inclusion is a good idea as it protects your home from the possible damage it may incur while being transported from the factory to the site.
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.
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