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The Basics of Buying Mobile Home Insurance

Posted by: Insurance Place by: September 19, 2015

The Basics of Buying Mobile Home Insurance

Thinking of getting mobile home insurance? Smart move—without even the most basic mobile home coverage, your prefabricated home is at risk. But what should you be looking for from your policy? You can get all the mobile home insurance quotes you want, but you still might not have a good idea of your needs.

There’s no need to go in unprepared. We at have outlined the basics of finding the right mobile home insurance policy for you.

What’s Generally Covered

Just like other homes, your mobile home is endangered by floods, fires, burglaries, and other at-home disasters on a daily basis. You never know what could happen to your mobile home, so why not take the initiative and protect it? Even instant mobile home insurance quotes should offer the following:

  • The mobile home. Your mobile home is just as at risk as other homes. Luckily, most basic policies will include protection from fire, lightning, windstorms, hail, smoke damage, and more.
  • Detached structures. Your gazebos, garages, and sheds can all be insured against the same damages as your main mobile home.
  • Personal property. Insuring your belongings takes protection to the next level. Knowing your things are covered in the event of disaster can go a long way toward giving you peace of mind.
  • Personal liability. Worried about someone getting injured on your property? Every mobile home insurance policy should have some amount of liability protection.

Although they offer similar protection, a regular homeowners insurance policy and a mobile home insurance policy are not the same to the insurance companies. However, even the top mobile home insurance companies should offer you plans with similar coverage to what we’ve outlined here. Make sure you’re getting the protection you need!

Search for the Right Kind of Mobile Home Insurance

As with all insurance, the more you know, the better. One thing to keep in mind is that mobile homes are considered different from motorhomes and travel trailers. This is an important distinction when you’re searching for the best mobile home insurance rates.

You might be surprised to learn that your mobile home may technically be considered a vehicle in some states. This may depend on the state you live in, or whether or not the wheels are still attached to your property. In any case, you’ll need to make sure your mobile home is licensed with the proper organizations.

Now that you know what to expect from most mobile home insurance policies, it’s time to find affordable protection for your mobile home!

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