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Want the flexibility of a mobile home? Then you’ll need mobile home insurance to get full coverage if something goes wrong during the moving process and once you’re settled. This form of insurance covers events that normal home insurance doesn’t, like damage that can occur during transport or when water and electricity is installed at the new location.
Mobile home insurance is designed to cover a manufactured, single-level home that’s regularly lived in and that’s not built on a traditional foundation. If you’re living in a mobile home, you’ll likely want to consider tailored coverage in case of an accident.
Certain specialist insurers focus on mobile home insurance. A lot of the major insurers will also cover mobile homes, but you’ll need to specify the kind of building you want covered during the policy purchase process, and it likely won’t be the same policy structure as traditional homeowners insurance.
Mobile home insurance doesn’t cover anything lived in short term, in addition to tents, caravans, camper vans, motorhomes or any dwelling that could be registered as a vehicle. For those you’d need a form of vehicle insurance.
A few key components make up mobile home insurance, and they’re fairly similar to normal homeowners policies.
Finding insurance for a mobile home isn’t necessarily any harder than finding normal homeowners insurance. Several major insurers also offer mobile home policies in addition to their standard condo and homeowners insurance options.
You’ll also find specialist insurance providers that focus on mobile home insurance. Specialists may include more features and a higher amount of customizability when compared against nonspecialists.
Working with an independent insurance agent, much like you would for a traditional homeowners insurance policy, can be just as effective for finding a policy that meets all of your needs. A specialist agent can help you narrow down your options without cutting out nonspecialists that may offer what you need at a lower rate.
Several factors are going to impact what you need when it comes to mobile home insurance. Keep the following in mind when you’re comparing quotes:
The difference between these homes mostly comes down to its construction. Mobile homes and manufactured homes are two terms for the same thing. They refer to a house that’s manufactured, not on a traditional foundation and portable. A modular home is also a prefabricated house, but it’s typically on a more traditional foundation and is designed to look like a standard house.
Here’s a simple breakdown of the construction differences:
Getting proper coverage can mean paying more when it comes to mobile home insurance, but it’s likely worth it to protect your investment. Be sure to take your time and compare quotes to find the provider that’s going to fully meet your needs at a price you can afford.
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