FIND AFFORDABLE MOBILE HOME INSURANCE

Mobile homes are subject to unique risks and challenges compared to traditional homes. Factors such as the age, condition, location, and ownership of the mobile home can all impact insurance premiums and coverage options, making it important for mobile homeowners to work with an insurance agency that specializes in mobile home insurance.

In this blog post, we will explore the challenges and considerations associated with insuring mobile homes, as well as provide tips and insights to help mobile homeowners navigate the insurance process and ensure they have the right coverage to protect their investment.

INSURING MOBILE HOMES PRESENTS CHALLENGES

Mobile Homes are Vulnerable to Damage: Mobile homes are typically lighter and more susceptible to damage from wind, storms, and other weather-related events than traditional homes, which can lead to higher insurance premiums and deductibles.‍

Limited Insurability: Some mobile homes, particularly older models or those located in high-risk areas, may be difficult to insure or may require specialized insurance policies or endorsements.

‍Ownership and Location Restrictions: Some mobile homes are located in mobile home parks, which may have restrictions on ownership or location, and may require specific insurance coverage or endorsements.

‍Valuation and Depreciation: Mobile homes tend to depreciate in value more quickly than traditional homes, which can complicate the valuation process and impact the amount of coverage needed.

‍Permits and Regulations: Mobile homes are subject to different permitting and zoning requirements than traditional homes, which can impact insurance coverage and premiums.

To ensure adequate coverage for a mobile home, it's important to work with an insurance agency that specializes in mobile home insurance and understands the unique risks and challenges associated with insuring mobile homes. This can help ensure that the mobile home is properly protected and well-positioned for long-term success.

HO-7 MOBILE HOME POLICY FORM

An HO-7 policy is a type of homeowners insurance policy that is designed for mobile homes. It provides coverage for the mobile home itself, as well as personal property and liability protection.

Specifically, an HO-7 policy typically includes coverage for damage to the mobile home from certain types of perils, such as fire, lightning, windstorm, hail, and vandalism. The policy may also provide coverage for personal property inside the mobile home, including furniture, appliances, and other belongings.

In addition, an HO-7 policy may include liability coverage, which can protect the policyholder from financial losses if someone is injured on the insured property or if the policyholder is found to be responsible for damages or injuries to another person or their property.

It's important to note that HO-7 policies may have specific eligibility requirements and underwriting guidelines, and premiums for these policies can vary depending on factors such as the age, condition, and location of the mobile home. As with any type of insurance, it's important to carefully review policy terms and coverage options to ensure that you have the right coverage to protect your investment.

COVERAGE FOR ATTACHED AND DETACHED STRUCTURES

In mobile home insurance, attached structures are those that are connected to the mobile home and considered part of the main structure. This can include things like decks, porches, or garages that are physically attached to the mobile home. In contrast, detached structures refer to any structures on the insured property that are not physically attached to the mobile home, such as sheds, detached garages, or other outbuildings.

When it comes to mobile home insurance, coverage for attached structures can sometimes be included in the main coverage for the mobile home itself. However, coverage for detached structures may be considered a separate coverage category, and may have its own policy limits and coverage options.

It's important for mobile homeowners to carefully review their insurance policy to understand what types of structures are covered, and to ensure that they have adequate coverage for both attached and detached structures. Mobile homeowners may also want to consider adding additional coverage options or endorsements to their policy to further protect their investment in attached and detached structures.

FINDING THE PACKAGE THAT IS RIGHT FOR YOU

Our mobile home experts are ready to help you place the best coverage to protect your home and your family.

Your mobile or manufactured home was an investment, and it's important to insure your home and find the best coverage that fits your budget.

Give us a call at (404)-795-4807 to speak with one of our in-house mobile home insurance agents or complete our online quote request below. We look forward to serving you!