Insurance On Mobile Homes

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...

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? 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 coverage provided by your homeowner's policy to be inad...

We have just upgraded our kitchen and decorated our mobile home. What should we know about cheap mobile home insurance policy in Arizona? Thank you. Too many mobile homeowners purchase their policy when they buy their mobile house and automatically renew their coverage, leaving it to the carrier to increase their mobile homeowner's coverage by the standard rate of inflation. Unfortunately, this rarely keeps pace with the actual cost of replacement. It is important to consider this when adjusting your mobile homeowner's policy. Remember the difference between market value, which includes the actual replacement cost of the mobile home is very different. For example,  when you recently remodeled your kitchen, you most likely upgraded appliances, countertops and cabinets. You will need to factor their actual replacement cost and the replacement cost of other added features into your mobile homeowner's policy. As you are aware of changes to your mobile home, yo...

What are deductibles? Do I want them to be big or small when I get mobile home insurance here in Phoenix Arizona AZ? Lillian Phoenix, AZ Hi there, Lillian. A deductible is the cost of damage that you are willing to shoulder out of your own pocket before your mobile home insurance provider in Phoenix Arizona takes over. Basically, a lower deductible amount means that if anything happens to your mobile home, then you only have to shell out a small amount of money and your insurer will take care of the rest.  However, you need to note that a lower deductible amount often redounds to higher premiums since the insurance company will expect to handle a greater amount of liability for your mobile home. The choice is yours to make, Lillian. Essentially, you need to ask yourself how much money you are capable of scrounging up in case something happens.  You need to find your own balance between insurance premiums and how much you are willing to take out of your own ...

You can avail of insurance for mobile homes just as any homeowner would do. It is important to have your mobile homes protected because they too will be exposed to many hazards. On top of that, if you move to one place to another, you would need to be financially prepared in hazards incurred in transferring or while on the road. You can purchase cheap mobile home insurance online. However, before purchasing them, get a free quotation. This can help you determine if the insurance that you are getting is worth buying for or not. It is not enough that you get one quotation from one insurance company. You can try to explore and see if others can provide the same benefits but at a more affordable price. You also have to take note that even if it is cheap, the coverage of your insurance should not be sacrificed. The insurance you get should have coverage for damages incurred due to natural disasters, a replacement for damages against your improvements, personal properties and li...

Boston, MA Reader Question: Can someone help me, I want to find CHEAP…really cheap mobile home insurance and I need it now. Don, Living in Boston often means more expensive Boston MA mobile home insurance because it is a coastal state. Sometimes, whenever a disaster comes, people find out too late that their Boston MA mobile home insurance doesn’t cover the damages. In that case, what do you do? If this happens and your Boston MA mobile home insurance policy doesn’t cover you, then you should contact FEMA, which can help you in a variety of ways. Financial assistance for repairs or other housing Financial assistance through your local government Grants that allow you to prevent damage in the future