Your mobile home is an investment, and it’s one that you want to protect with insurance. Since these structures are inherently different from single-family homes, they require different mobile home insurance policies that recognize their unique features. Below, learn more about insurance for these homes so that you can choose a policy that is right for your needs.

Mobile Home Insurance FAQs

What does my insurance cover?

Mobile home insurance offers a variety of coverage, depending on the plan you select. Property coverage protects your home in the event of damage, which can be caused by a natural disaster or fire. Personal property coverage protects your belongings that could be damaged in a fire or stolen in a burglary. Finally, you can also obtain liability insurance, which would provide protection if a guest is injured on your property. 

How is it different from single-family home insurance?

Insurance policies for your mobile home consider the unique risks that your property presents. Compared to single-family homes built on concrete slabs, mobile homes are at a heightened risk of damage in a storm, such as a tornado or a hurricane, because they are affixed to the ground with anchors. As a result, your policy and premium will be determined based on these risks.

What amount of coverage is appropriate?

Coverage depends on your specific needs, but mobile home insurance, generally, is a necessity. In fact, if you have a loan on your home, your lender will likely require you to obtain homeowners’ insurance. To determine the coverage that you need, think about what it would cost you out of pocket to replace the home and its contents if they were destroyed. Unless you have the cash on hand for that replacement, insurance can help you recover financially in the event of damage or disaster.

How do I keep insurance premiums down?

To keep monthly premiums lower, opt for a higher deductible plan. That means that you will have to pay a set amount out of pocket before filing a claim. For example, if a storm damages your roof and it costs $2,500 to repair it, you will pay your deductible, and your insurance company will cover the rest. So, if your deductible is $1,000, your insurance company would foot the bill for $1,500. If you want lower premiums, opt for a deductible of $500 or more. Your insurance agent can show you different premium and deductible combinations so that you choose the right one for your budget.

To obtain mobile home insurance in the Statesboro, GA, area, contact BestRate Auto Insurance, an authorized agent for Progressive®, Mercury®, and Travelers® insurance. Agents can help you find high-quality coverage to suit your needs. They’re available to assist both English and Spanish-speaking customers and are willing to work with customers with low credit scores or a poor driving history. To learn more, call (912) 489-5942, or visit the website to check out the homeowners’ insurance options.