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When you put a lot of money into your mobile home, it makes sense to protect it. That’s where mobile home insurance comes in. These policies are designed with mobile and manufactured homes in mind, which means they’re capable of dealing with unique risks you might face. Here are three tips to help you secure the best policy. 

3 Things to Keep in Mind When Looking for Mobile Home Insurance

A Mobile Home Is Not a Modular Home

A modular home is pre-built and delivered to a site in a few pieces, where it will remain for the duration. This is not the same as a mobile or manufactured home, which arrives at the site intact and can be transported to different locations. It’s important to know the difference in terms when shopping for insurance to make sure you receive the right coverage. 

Mobile Home Insurance May Offer Additional Coverage

mobile home insuranceWhile there are many similarities with home insurance policies, mobile home coverage sometimes offers expanded policies due to the risks facing these structures. This can include coverage when moving the structure from place to place, insurance for damage caused by wild animals, and even coverage for earthquakes and floods. Because all policies are different, it’s important to speak with your agent about standard options. 

Most Policies Are Customizable

You can also add on to the standard policy to ensure you remain completely protected. For example, you may be interested in covering personal belongings kept within the home, implementing liability protections, or getting protection against burst pipes and other types of damage. Keep in mind that your insurance needs are based on the specific risks you and your property face. 

 

In Cookeville, TN, Lafever Insurance Agency is here to answer your mobile home insurance questions. They believe in providing personalized coverage, and this has been their goal over the three decades they’ve been in business. Along with insuring mobile homes, they also provide high-risk auto coverage and motorcycle insurance. They even offer no-obligation quotes to ensure you have the information you need to make the right decision. Call (931) 526-3377 today to schedule a consultation. 

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