Mobile Home Insurance
Mobile homes are often at more risk than a typical home. For example, the construction style means it could be more at risk from a fire or other natural disaster. A smaller home means that there’s more risk of the entire property and all your possessions being destroyed in such an incident.
Custom Coverage Options
Specialty mobile home insurance can often be specifically tailored to the model and design of your home. You can usually get optional extras that cover risks such as damage while moving the home or from natural disasters that are more likely to damage mobile homes than a traditional house.
Mobile Homes vs. Manufactured Homes
Most mobile homes built after June 15, 1976 are classified as “manufactured homes” rather than “mobile homes,” which could affect the type of policy the insurer offers. For example, if your mobile home is considered a manufactured home, you might need to insure it with a home insurance policy, which differs from the coverages offered in a policy designed specifically for mobile homes.