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Insurance For Mobile Homes

By November 12, 2021Home Insurance

Singlewides, doublewides, and manufactured homes are a great and affordable way to homeownership. And since purchasing property is one of the most expensive investments we will ever make, obtaining proper insurance is crucial.

Mobile homes are typically a separate policy type from a homeowners policy. And a lot of companies do not write mobile home policies or write them on a limited basis.

At Dove Insurance Agency, our Family of Independent agents can help find you an affordable insurance policy for your mobile home.

Mobile Home Insurance

A term you will often see associated with mobile homes policies is Comprehensive Coverage:

“This means we cover most direct, sudden and accidental physical losses like: fire, lightning, explosion, vandalism, landslide, falling objects, explosion, attempted or actual burglary or robbery, water damage from bursting pipes, damage by wild or stray animals, collapse from the weight of ice and snow, and wind or hail damage.”

Depending on your mobile home’s characteristics there a few options available for insurance. For example, do you own a doublewide on a permanent foundation? If so, you may be eligible for special programs that will include replacement cost coverage.

More risks involved with mobile homes than a house or apartment.

You’d be forgiven for thinking a mobile home is less in need of insurance than a traditional house or apartment, but sadly that’s not the case. For example, the construction style means it could be at more risk of serious damage from a fire or other natural disasters. Another difference is that a smaller home means there’s more risk of the entire property—and all your possessions—being destroyed in such an incident, rather than the damage being restricted to part of the home.

Mobile home insurance from a local, family-owned agency.

This is another reason why working with our Family of Independent Agents is valuable. We partner with several different carriers and multiple options for your property types.

Contact us today see and discover everything that our Family of Independent Agents can do for you.