We have partnered with an insurance agency that understands these issues and can address them. When shopping for insurance you should ensure that your policy has the option of the following coverage:

1. Comprehensive coverage for mobile home itself – The word “comprehensive” can be misleading as the definition can vary from company to company. Coverage for things like fire, vandalism, explosion, etc. is probably covered, but make sure that your company includes the “tricky” coverage that is important to you in your area. This may or may not include coverage for earthquake, flood, mold, wind, etc. Click here for your personalized quote.

2. Personal Property Coverage – The coverage you receive for personal property is often a function of the value of your Mobile Home. Because values of MH’s can be low compared to stick built homes in the area many times people will not have enough coverage for their personal property. Click here for your personalized quote.

3. Adjacent Structure Coverage – Do you have a detached garage or shed? Again, the amount of coverage may be a function of the value of your mobile home, do you have enough coverage? Click here for your personalized quote.

4. Replacement Cost or Agreed Value Settlement Options – Obviously the replacement cost option is important and protects you if your mobile home is a total loss. The replacement cost coverage means that in the case of a total loss your mobile home will be replaced “with like kind and quality.” But the replacement cost option is not always available, which is why the agreed value option is important. Agreed value means that you and the insurance company decide before hand what the value of the home is BEFORE a total loss. This means that you know what you will get paid in the event of a total loss. This is important because many policies are settled on an Actual Cash Value option, meaning that you may get less than what you insured your home for. Click here for your personalized quote.

5. Replacement Cost for Partial Losses – Because mobile homes can depreciate, this is important! For example: How much does is cost to replace a roof that it partially damaged on an actual cash basis? On a mobile home that has depreciated in value, it could be nothing. Meaning you might get nothing to replace your roof! However, with the replacement cost for partial losses, you can get your roof replaced with out having “actual cash value” in the way. Click here for your personalized quote.

6. Replacement Cost for Personal Property – Again our enemy actual cash value. If your mobile home burns down, what do you get for that 5 year old color TV? Probably nothing, and you are out a TV. How do you get a new one? The smarter coverage is Replacement cost for Personal Property. Click here for your personalized quote.

7. Transporting a mobile home – What if you plan on moving your MH out of a park and onto a piece of land? Or maybe you might just be moving to a new park? Or to a piece of family land? Will your policy cover trip coverage or builders risk? These are also important considerations that are unique to this property type. Click here for your personalized quote.

There are other important coverage considerations like liability, medical payments, debris removal, additional living expenses, hobby farm and others. For more information ask your Insurance Agent. If he/she is knowledgeable, they will probably know of a few more important issues that you need to know about. If you want to let the experts in MH Insurance help you then click here for your personalized quote.

In order to help keep manufactured housing insurance affordable we have teamed up with the leading providers of insurance products specifically designed for mobile home owners.

It doesn't matter if you lease the land your home sits on, have a separate loan for the land, live on family land, live in a Mobile Home Park, or if your MH and Land are titled as real property. These programs are designed with you in mind.

The underwriting companies have years of experience insuring these types of properties so you can rest assured you are in the hands of experts. We would not refer you to anybody less.

If you are buying a new or used mobile home you will need to check early to have coverage in place at the closing. Click here for your personalized quote.

If you are refinancing your MH then you should also take this opportunity to see if you can get both a lower rate and better coverage. Click here for your personalized quote.

Click Here for a Free, No Obligation Mobile Home Insurance Quote!