Although mobile home insurance is similar to home owners insurance، there are some differences that you should keep in mind when shopping for insurance quotes. Here’s what mobile home insurance covers، plus information on how to get a cheap mobile home insurance policy.
Mobile home insurance:
Mobile home insurance covers the following:
1. Your mobile home
Mobile home insurance protects your mobile home and other structures you own that are not attached to it. It’s worth replacing or repairing your mobile home after it’s been damaged by fire, storms، vandalism, lightning, explosions, plumbing leaks or other incidents mentioned in your policy.
There are two types of coverage – replacement cost coverage and actual cash value coverage. Replacement cost coverage pays to replace your mobile home after it is destroyed. Actual cash value coverage also pays to replace your home after it’s destroyed, but only for its depreciated value.
Standard policies don’t cover your mobile home in transit, but you can buy travel collision coverage if you expect to move it.
2. Your personal property
Mobile home insurance protects your personal property، clothing، appliances، furniture، electronics، tools, sports equipment، etc. It is worth replacing them after they have been damaged by the hazards mentioned above
3. Your assets
Mobile home insurance protects your assets. It pays for another person’s medical expenses when you or your family accidentally injure them, and property damage expenses when you or your family damage their property. It also pays your court costs and legal fees.
Cheap mobile home insurance
To get the best price for mobile home insurance, you should get quotes from a number of different insurance companies. The easiest way to do this is to go to an insurance site where you can get quotes from multiple companies. All you do is fill out a simple questionnaire and wait for your quotes.
The best online insurance comparison sites only work with A-rated companies, so you don’t have to worry about not getting paid for a claim.
The best of these sites offer money-saving articles and feature an online chat service so you can get your questions answered by insurance experts (see link below.)