Mobile Home Owners Insurance
There are many advantages to mobile home ownership including affordability, standard construction methods, modern home features, and environmental efficiency features. The one thing you won't escape from with the purchase of your manufactured home is the need for adequate mobile home insurance coverage.
Just like a traditional home, a mobile home or manufactured home will require mobile home insurance protection against damage, theft and any on-premises liabilities that may occur. Because of a mobile home's unique construction methods and some insurance company's discrimination against mobile home owners, you are best served to seek insurance coverage from an agency that understands mobile home ownership like Mobile Insurance.
Unlike most traditional insurance, several mobile home insurance policies also cover flooding. The representatives from Mobile Insurance will review your mobile home's risk and suggest the appropriate coverage amounts to repair or replace your property depending on the damage incurred.
There are many factors to consider when purchasing mobile home insurance coverage. Will you require full current replacement costs if your home is damaged beyond repair? Or due to the age of your manufactured home, is it best to have a policy with actual cash value coverage which accounts for the depreciation of your property? While replacement costs are generally favored, actual cash value policies are more common and offer good values for manufactured homes more than 20 years old. With Mobile Insurance, you'll understand the difference and together we'll make the best choice for your circumstances.
Mobile Insurance only works with the most fair and ethical mobile home insurance companies willing to offer comprehensive insurance coverage at the best value to you. These companies include the following:
- American Modern Insurance Company
- Foremost Insurance Company
- South & Western General Agency
- South Texas General Agency
- Southern County Mutual