Mobile & Manufactured Home Insurance

Mobile and manufactured homes offer an affordable and flexible housing option for many people. However, they come with unique characteristics and risks that standard homeowners insurance policies may not adequately cover. Mobile & Manufactured Home Insurance provides specialized coverage designed to safeguard your home and personal belongings, giving you peace of mind.

Protect Your Home and Mitigate Risks

Why Do You Need Mobile & Manufactured Home Insurance?

Mobile and manufactured homes are constructed differently from traditional site-built homes, often making them more susceptible to risks such as wind and fire damage. Without proper insurance, you could face financial loss from unexpected events. Mobile & Manufactured Home Insurance offers protection by covering:

• Dwelling Coverage: Protects the structure of your home from perils such as fire, storms, hail, or vandalism.
• Personal Property Coverage: Covers your belongings like furniture, electronics, and clothing if stolen or damaged.
• Liability Protection: Shields you from legal responsibility for injuries or property damage you may accidentally cause.

Key Features of Mobile & Manufactured Home Insurance

• Dwelling Coverage: Covers structural elements such as built-in appliances, plumbing, and electrical systems. This coverage is tailored to the specific materials and construction methods used in mobile and manufactured homes.
• Personal Property Coverage: Protects your belongings against theft, fire, or other covered events—even while traveling with you.
• Liability Protection: Provides coverage for legal expenses if someone is injured on your property or if you accidentally damage someone else’s property.
• Additional Living Expenses (ALE): Covers costs like hotel stays and meals if your home becomes uninhabitable due to a covered loss.

Benefits of Mobile & Manufactured Home Insurance

• Protect Your Investment: Your home is a significant financial asset, and insurance ensures you are safeguarded against unexpected events.
• Peace of Mind: Comprehensive coverage allows you to enjoy your home without worrying about potential risks.
• Customized Coverage: Tailor your policy to match your location, home value, and personal needs, ensuring you are adequately protected without overpaying.

Who Needs Mobile & Manufactured Home Insurance?

This insurance is essential for:

• Owners of Mobile Homes: Whether located on private land or within a mobile home park.
• Owners of Manufactured Homes: Including single-wide, double-wide, and triple-wide models.
• Seasonal or Vacation Homeowners: Using mobile or manufactured homes as secondary residences.
• Landlords: Renting out mobile or manufactured homes to tenants.

Why Choose Inszone Insurance for Your Mobile & Manufactured Home Insurance?

• Specialized Expertise: Our agents understand the unique risks associated with mobile and manufactured homes and can help you find the best coverage.
• Customized Insurance Solutions: Whether your home is your primary residence or a seasonal getaway, we offer policies tailored to your needs and budget.
• Access to Top Insurance Carriers: As an independent agency, we compare coverage options from reputable carriers to find the best fit for you.
• Exceptional Customer Service: From policy selection to claims assistance, we’re here to support you every step of the way.

Additional Coverages to Consider

• Flood Insurance: Protects against flood-related damages, especially if your home is in a flood-prone area.
• Earthquake Insurance: Provides coverage for damages caused by earthquakes.
• Replacement Cost Coverage: Ensures you receive the full cost to repair or replace your home and belongings, without depreciation deductions.
• Trip Collision Coverage: Covers damages that may occur while your home is being transported to a new location.
• Accessory Structure Coverage: Protects additional structures on your property, like sheds, carports, or garages.

Frequently Asked Questions

Q: How is Mobile & Manufactured Home Insurance different from standard homeowners insurance?

A: This insurance is designed specifically for the unique construction and risks of mobile and manufactured homes, addressing factors like mobility, materials, and placement.

Q: Is Mobile & Manufactured Home Insurance mandatory?

A: While not required by law, mortgage lenders often require it. Even without a loan, insurance is crucial to protect your financial interests.

Q: Can I get coverage for an older mobile home or one not on a permanent foundation?

A: Yes, we offer coverage options for older homes or those not permanently placed. Our agents can help you find the right policy for your situation.

Q: Does the policy cover my home while it’s being transported?

A: Standard policies may not include transit coverage, but Trip Collision Coverage can be added to protect your home during transport.

Q: Are there discounts available for safety features or upgrades?

A: Yes, discounts may be available for homes with smoke detectors, security systems, or other safety upgrades. We’ll help you find all applicable discounts.

For personalized assistance or to discuss your specific insurance needs, contact our experienced agents at Inszone Insurance. We’re here to help you find the right coverage to protect your home and ensure your peace of mind.