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Older mobile homes are often available at affordable prices, but age sometimes means a higher risk of problems. Understanding the most common concerns will help you ensure your mobile home insurance policy covers what it should, keeping you protected. Here’s a closer look at some of the most significant problems an aged mobile home may experience.

Why You Need Mobile Home Insurance for Older Mobile Homes

1. Outdated Plumbing & Electrical Systems

A major concern with older mobile homes is that the plumbing and electrical systems aren’t up to current codes and safety regulations. Mobile homes are vulnerable to fire and water damage due to light, thin materials that enable damage to spread quickly.

Electrical systems are especially a concern if a previous owner has added fixtures and tapped them into the original system themselves, which increases the risk of shorts, sparks, and exposed wiring.

2. Problematic Foundation or Roof

Over the years, the mobile home may have been moved a few times. Combined with older roofing material, it’s common for the support structures of the home to begin pulling away from the frame, upsetting the foundation and making the home unstable. Old roofs are prone to leaks if the metal has become warped, damaged, or loose during its lifetime.

3. Homeowner Add-Ons

mobile home insuranceIt’s not uncommon for previous owners to have added porches, awnings, or even another room to the mobile home. However, if this is done by someone who isn’t familiar with working on mobile homes, these additions can damage the foundation, walls, and roof due to unbalanced weight or strain on structures.

4. Damaged Doors, Windows, & Skirting

An older home may also have windows and doors that have become misaligned as it settled or shifted after being moved, allowing moisture and outside air in around them. The skirting is often also damaged, which allows animals and moisture to damage the ductwork and insulation under the home.

These problems can lead to mold, mildew, and rot in insulation, walls, and flooring. It also makes it easier for pests like insects and vermin to get into the home and cause damage.

 

If you’re buying an older mobile home, make sure you’re covered with reliable mobile home insurance. Lafever Insurance Agency in Cookeville, TN, has over 30 years’ experience in offering affordable insurance policies for mobile homes and vehicles. Whether you’re getting home or auto insurance, they’ll provide customized coverage at the exact level and budget you need. Learn more about their home and auto insurance policies online and call (931) 526-3377 for a quote on an affordable insurance policy.

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