OK, so you need insurance for your manufactured home. Maybe your lender is requiring it, or perhaps you need some protection in case of accidental loss. In any case, you want two things: 1) The right coverage, and 2) The least expensive policy. The question is, how to accomplish those goals?
Insuring a mobile home is more difficult than insuring a site built home. Fewer insurance companies offer this type of insurance, and some of the well known home insurers don’t understand the unique requirements of a manufactured home insurance policy.
A lot of people just call a couple of insurance companies, ask for quotes, and make an uninformed decision. Unfortunately, all insurance policies are not equal. Coverage and benefits will vary substantially from policy to policy and from company to company. You need a policy designed specifically for mobile homes that protects your family, your home, and your possessions.
There is no one company that always offers the best coverage at the best price. Depending on the age, size, and make of your home, the best policy could come from different companies. Also, the location (city and state) of your home as well as the mobile home park it’s in will affect the price. That’s why it’s important to get quotes from multiple sources.
Your first stop should be the insurance company that currently insures your automobile, apartment, or house. Some RV and motorcycle insurance companies also insure mobile homes. If you own one of those check with them as well. In all these cases, be aware that the company you get your other insurance from may not be an expert in mobile homes and may not offer the best policy or the least expensive prices.
Once you’ve got those quotes (or while you’re getting them) make sure to have the three industry leading insurers of mobile homes give you a quote as well. The easiest way to do that is to fill out the insurance request form at the MHVillage Mobile Home Insurance Center.
Completing the form at the MHVillage Mobile Home Insurance Center will put you in touch with national mobile home insurance specialists, who can check multiple options and advise you on which policy would be best for your situation. We have over 20 years experience representing companies that have policies specifically designed for manufactured and mobile homes. There is no obligation, no high pressured sales tactics – just the best insurance quotes in the industry.
Finally, always remember that it’s far more important to get the right coverage rather than the rock bottom lowest price. You’ll be sorry you didn’t if you ever have a major claim and find out that you’re not covered! A few extra bucks a month is a small price to pay for peace of mind.
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