Published at Sunday, April 15th, 2018 - 21:07:05 PM. Manufacturer 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.
If there are any broken or uneven concrete walkways on your property that people can trip and hurt themselves on then your insurance company has a liability risk that they are going to charge you for every month. Fix any potential liability problems and you can save yourself money on your premium every single month. Most policies that you buy come with a standard $500 deductible, but unless you make a lot of small claims against your policy that deductible is costing you a lot of money every year. Doubling your deductible to $1,000 is a small gamble, but it pays off in a big way in the form of a much lower premium every single month. So what's the Big Secret that has your broker tossing and turning all night? It is simply this. If you buy your homeowner's policy online you will instantly save approximately 30% on the cost of your premium every single month.
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