Just like with any other house, if you own or plan to own a mobile home, you will need to purchase insurance to keep you protected. Today, the experts from BestRate Auto Insurance in Statesboro, GA, will explain what you need to know about purchasing a mobile home insurance policy. 

Common FAQs About Mobile Home Insurance

1. Why Do You Need Mobile Home Insurance?

Mobile homes are built with lighter materials than traditional homes. Also, as opposed to being constructed on concrete foundation, these homes are moved to a site and strapped down with anchors. While these homes are economical and convenient, they also come with a distinct set of risks. Manufactured or mobile home insurance is like any other home insurance policy, except that it includes special provisions to accommodate the unique factors associated with a transportable home.

2. Modular vs. Mobile Home Insurance: What’s the Difference?

Modular insurance is not the same as mobile home insurance. Since modular homes are built on a solid foundation like a traditional home, they don’t carry the same risks as mobile homes. For that reason, modular homes can be covered by a traditional homeowners insurance policy. 

3. What Types of Coverage Does Mobile Home Insurance Offer? 

Mobile home insurance covers property damage, personal property, and liability coverage. A basic policy should cover you in court in case of an injury on your property, any significant property loss, or burglary, fires, or natural disasters.  However, your policy may be altered in accordance with your unique needs.

4. How Much Coverage do You Need?

How much insurance you need will depend on the value of your home and your possessions, including electronics, furniture, etc. Talk to a trusted insurance company about what’s right for you.

For quality mobile home insurance that will keep you and your family protected, call the professionals from BestRate Auto Insurance at (912) 489-5942. To learn more, visit the company’s website.