Mobile homes are small and easy to relocate, making them ideal for someone on the go. But when it comes to bad weather, their relatively lightweight structure can become easily damaged beyond repair. Along with having an excellent homeowners insurance policy, it’s essential to know how to stay safe when a storm hits unexpectedly. Here are a few tips to keep you protected when bad weather strikes. 

How to Stay Protected During a Storm in a Mobile Home

1. Check the Skirting & Anchoring

The skirting around your mobile home lets air pass through and keeps the area dry. It also prevents wind from creeping under the vinyl siding and pulling it apart. Check your home’s anchoring as well to ensure it meets the building code of your county and manufacturer specifications. That way, if your home becomes damaged, it will be easier to file an insurance claim. 

2. Review Your Homeowners Insurance Policy

Before there is a chance of a storm, look over your policy to make sure it has adequate disaster protections. Flooding isn’t usually covered, so if you live in an area prone to this weather, contact your homeowners insurance agent to add this protection. Some companies may have discounts available if you make home improvements that lessen the effects of a disaster, such as roofing reinforcements or shatter-proof windows. Talk to an agent about saving on the policy and protecting your home in the process. 

3. Leave the Mobile Home

If there’s a tornado, don’t stay home. Tornadoes are too strong for mobile units and will cause severe damage. Watch for community alerts and announcements about shelters, or find a sturdy building nearby. Go to the lowest floor possible and stay away from the windows. If there is a basement or stairwell, stay there until the storm passes. If you live in an area where tornadoes are frequent, consider installing an underground shelter beneath your home. You can generally install them within a day and stay safe if a storm hits unexpectedly. 

Is it time to update your homeowners insurance policy for your mobile home? The agents at Northern Kentucky Home Insurance in Alexandria, KY, offer a variety of coverage options to fit your needs. They’ll explain each policy in detail, so you make the best decision possible to keep your property safe. To get a free quote, call (859) 635-2500. Visit them online for more details about their insurance products.