Insurance On Mobile Homes

 If you’re a first-time mobile homeowner in Florida, finding affordable insurance is essential to protect your investment from risks like hurricanes, fire, and theft. Here’s how you can secure the cheapest mobile home insurance in Florida: 1. Understand Mobile Home Insurance Mobile home insurance covers: Natural disasters (hurricanes, floods) Fire, theft, and vandalism Liability (injuries on your property) Ensure your policy includes coverage specific to Florida’s weather risks. 2. Factors That Affect Costs Location: Coastal areas have higher premiums. Home Age: Older homes may cost more to insure. Coverage Type: Comprehensive policies cost more but offer better protection. Safety Features: Installing storm shutters and fire alarms lowers costs. 3. Tips to Save on Insurance Compare Quotes: Use platforms like Geico , Progressive , or State Farm . Bundle Policies: Combine your mobile home insurance with auto or life insurance for discounts. Prioritize Essential Coverage: Avoid...

I’ve recently purchased a mobile home here in Wichita Falls, Texas. I just notice something that says “Liability protection” as an option in my mobile home insurance policy, what is that? Jacob Wichita Falls, TX The term ” Liability Protection”, in the context of a mobile home insurance policy, basically means coverage for the insured party from liabilities incurred where he/she is obligated by law to compensate for any damage or loss due done to another party.  In this case, any damage to the property that the insured might have caused to a third party can be covered by an insurance policy under Liability Protection.  For example , say you were driving and managed to crash your car on another person’s garage, the property damage you have caused may be covered in this policy.  Note that this is something that an insurance company would rarely be happy to cover for, but in the essence of additional profit or as a competitive edge they will, so a...

Mobile home insurance Policy Whenever you purchase it or make changes, read your Mobile home insurance policy. Knowing what will be in your Mobile home insurance policy is important when you are shopping around for a Mobile home insurance policy company. Here are a few things you should keep an eye out for: How much is the deductible? What are the limits of my Mobile home insurance policy coverage? What are the guidelines for making claims? How good is my Mobile home insurance policy company’s customer service? Mobile home insurance quote How do I find the best mobile home insurance quote? A:  Look at different companies that offer a mobile home insurance quote. If you don’t take your search for a good mobile home insurance quote to more than one company, then you will end up paying far more than is necessary. There are many places that will offer you a mobile home insurance quote online, which makes the process quicker and easier. However, if you live ...

While visiting Vermont recently, my wife and I purchased our first, bona fide antique desk. We love it but want to make sure it is covered under our mobile home insurance policy in Boston. Any recommendations? Douglas and Sharon Boston, MA Hello Douglas and Sharon, Sounds like a successful trip to a spot known for great antiques. Assuming the desk is at your house and not at another location, you will need to modify your homeowner's policy.  Typically when homeowners first acquire mobile home insurance they accept the policy’s standard property value coverage.  As homeowners settle in, they acquire more sophisticated possessions. Most mobile home insruance policies set a value equal to 50% of the home’s value as a standard amount of insurance for items within the home. As you look around, do some quick math. That figure is probably not enough.  As with your desk, you may have certain items that dramatically cause the personal property c...

A friend of mine is getting insurance for his mobile home so I’m thinking I should get one too. What do insurers here in Miami Beach, FL offer, anyway? Miami Beach, Florida Hi Judd! I’m glad that you’re considering getting mobile home insurance for your own mobile home in Miami Beach, FL. Your home is also an investment – wouldn’t you like to make sure it is protected? Accidents happen all the time – fire from faulty electrical wiring or falling asleep while smoking, the explosion caused by a leaky stove, even coconuts falling from the tree onto your mobile home or stray animals scratching the paint on your door.  Plus, there are deliberate damages or losses caused by vandals or robbers. Consider natural calamities such as storms or high winds and what these can do to your mobile home.  The point is, there are a lot of unwanted, usually unexpected events that can cause damage to your home . If you do not have an unlimited bank account to repair such damages,...

Hi, we just purchased our first insurance policy for our mobile home. Our attorney here in Arivaca, Arizona suggested that we should consider getting an umbrella policy. What’s that? And do you think that’s better than just the mobile home insurance policy? Getting an insurance policy for your mobile home is a good thing! This policy generally covers any incidents or accidents that involve you, your family, your houseguests, and your mobile home and even your pets up to a certain limit (let’s say $100,000)! That’s already great coverage! The purpose of the umbrella policy is to add to your homeowner’s insurance. This deals with today’s skyrocketing medical costs and legal fees due to catastrophic and unforeseen accidents .  This helps you have peace of mind because you know you are fully covered, as the umbrella policy works well with your homeowner’s policy. It also costs reasonable too. Your insurance agent in Arizona should be able to discuss the details with you...