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Mobile Home Insurance Quote |
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Protect your mobile home or manufactured home with an insurance quote!
Your mobile home, or manufactured home is probably your most valuable posession. We can help give you the peace of mind of knowing that you have the protection that you need. We work with a number of insurance companies that specialize in providing mobile home owner insurance or manufactured home insurance.
We would love the opportunity to provide you with a:
- Mobile Home Insurance Quote
- Manufactured Home Insurance Quote
- Mobile Home Renters Insurance Quote
- Owner Occupied Mobile Home Insurance Quote
- Seasonal Mobile Home Insurance Quote
- Rental Mobile Home Insurance Quote
- Tenant Mobile Home Insurance Quote
- Commercial Mobile Home Insurance Quote
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People often see insurance as a confusing thing and wonder why they even need to have it.
Most people have a loan on their home of some sort. Their lender will REQUIRE that they have an insurance policy providing physical damage coverage on the home. The reason for this is pretty easy to explain. Let's say that you have a mobilehome worth $30,000 and owe the bank $20,000. If the home burns down, and you don't have insurance on it, who will still have to pay the bank that $20,000? YOU will! And you won't even have the mobile home anymore!!
There are other important reasons to have a mobilehome or manufactured home insurance policy. It will provide contents coverage, which gives you coverage for all of the STUFF that YOU own inside the home! A policy also provides liability coverage. Let's say someone slips on your front steps, breaks their leg, and has $5,000 in medical bills... If there is no liability coverage, who gets to pay that bill? YOU do!
As you can see, there are a number of reasons to obtain an insurance quote on your mobilehome or manufactured home. The biggest reason of all may be the peace of mind that you get knowing that you are protecting your family against significant financial loss!
To get a quote, click on the 'Get a Quote!' menu item. It will take you to our SECURE quote request form. Simply fill out and submit the form, and one of our licensed representatives will prepare a quote for you with one of the several quality insurance companies that we work with, and will contact you to go over the coverages!
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How can I save money on my insurance? (part 1) |
There are many ways to keep your insurance costs down. In this article we will be discussing the proper amount of insurance. An important thing to remember when you purchase insurance is that you are not buying coverage for the land on which the home sits. You only want to buy insurance for the value of the home, adjacent structures personal property and actual liability exposure. Also, keep in mind that if a lender is involved, there may be other requirements.
As an example, if you purchase a home on land, with an unattached garage for $100,000 you need to determine what portion of the $100,000 was for the home and what was for the land. Your appraisal will usually give you that information. If in our example the value of the land is $45,000, the home is valued at $50,000 and the garage at $5000, then the coverage you purchase should be $50,000 on the home. A typical manufactured homeowners package policy of $50,000 would also give you $5000 coverage on the garage, $25,000 coverage on personal property and $25,000-$50,000 liability coverage. These limits can be increased, but only do so if necessary. Ask your agent for more details.
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How can I save money on my insurance? (part 2) |
Insurance can be a big investment. How can you keep your costs down? One great way to reduce cost is to increase your deductible. The deductible is the portion of a loss that you pay before the insurance company pays anything. The higher you put your deductible, the lower your premium will be.
Insurance exists to prevent you from suffering a catastrophic financial loss. It isn’t there to perform maintenance on your home. If you have a low deductible, you are using your insurance as a maintenance contract, and it doesn’t work well for that.
In general you want to set your deductible at a level that you can handle without a huge financial burden. For some people, $500 is going to be a stretch, for others $2500 isn’t too difficult. The important thing is to set it for yourself, where you’re comfortable.
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How can I save money on my insurance? (part 3) |
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Insurance is extremely important to help us be protected against catastrophic losses. We all want the price to be fair. Believe it or not, so do the insurance companies. Yes, they are businesses, and they do exist to make money, but they don’t want to overprice the insurance because if they do, you’ll shop elsewhere. The insurance company will look at many factors in order to determine your insurance rate. The more “risky” factors there are in your profile, the more you will pay for insurance. So the key is to reduce the number of risky items in your home.
It is important to remember that different companies see different things as “risky”, so it is important to do some checking. A few items that can affect your rate or even your ability to buy insurance are:
- Certain breeds of dogs
- Any animals with a bite/scratch history
- Trampolines
- Hot tubs
- Swimming pools
- Decks, patios or stairs without rails
- Lack of proper maintenance
These are not the only things that are looked at, but they are some. It doesn’t mean that you can’t own any of these, just be aware that they may affect your rate and eligibility.
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