Published at Sunday, April 15th, 2018 - 18:57:49 PM. Mobile Home Insurance. By Durand.
Mobile home insurance protects your mobile home and other structures you own that are not attached to it. It pays to replace or repair your mobile home after it's been damaged by fire, storms, vandalism, lightning, explosions, plumbing leaks, or other incidents named in your policy. There are two types of coverage - replacement cost coverage and actual cash value coverage. Replacement cost coverage pays to replace your mobile home after it's destroyed. Actual cash value coverage also pays to replace your home after it's destroyed, but only for it's depreciated value. Standard policies do not cover your mobile home while it's being transported, but you can purchase trip collision coverage if you expect to move it.
When you get a mobile home insurance quote online, you are not bound to sign any insurance contract. After all, the estimate will rarely be the exact rate you will end up with in the end. The online quote is just a way of letting you know what is possible. Mobile homes are different from standard construction homes. There are types of coverage that are included in mobile home insurance policies that are unique. For example, the cost of transporting your home to remove it from the path of a disaster will be covered. Make sure your insurance mobile home insurance quote includes all the types of coverage that pertain to mobile homes. The estimate should spell out what you would be getting for your money.
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