Manufactured Home Insurance
Orlando | Sarasota | West Palm Beach
You work hard to protect your home, it’s one of your most valuable assets. However, if you have a manufactured or mobile home it isn’t covered by a standard home insurance policy. That’s where manufactured insurance comes in.
Due to their unique construction and vulnerability due to certain weather such as hurricanes or windstorms, mobile homes and manufactured homes typically don’t qualify for traditional homeowners insurance.
In Florida, state law doesn’t require you to buy mobile homeowners insurance but your lender might require you to have it before issuing a mortgage.
What is Mobile and Manufactured Home Insurance Coverage?
Manufactured home insurance is similar to a standard homeowners policy. However, since manufactured homes and mobile homes are created with different materials and later transferred to a property, different coverages are needed.
What is Covered with Manufactured Home Insurance?
A standard manufactured home insurance policy typically covers:
Your home: if your home is damaged by fire, burst pipes, lightning, and other severe weather mobile home insurance will cover the repairs. Your detached garage, roof and deck are also covered. Keep in mind you’ll want to select a limit that will cover the cost to replace your mobile home if it’s destroyed.
Personal property: your personal belongings including furniture, bicycles, clothes, and electronics are covered if stolen or damaged in or outside of your mobile home.
Liability protection: in the event someone is hurt in your mobile home this coverage will help cover for the medical expenses or any lawsuits you may be facing associated with it. This coverage also pays for costs if you accidentally cause property damage or injuries to others.
Loss of use: in the event your home is damaged to the point you can’t live in it while repairs are being made this coverage will help pay for expenses like hotel rooms.
Your insurance agent will also help you determine if you need coverage while transporting your home.
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How Much Does Mobile Home Insurance Cost?
The price for mobile home insurance depends on a number of factors including where you live, the value of your home, the limits and coverage options you choose, and your deductible. In Florida, manufactured home insurance is typically more expensive than standard homeowners insurance because mobile homes are more vulnerable to storms and are most costly to repair.
Add Mobile Home Insurance to Your Policy
If you’re interested in learning more about mobile home and manufactured home insurance, contact Signature Insurance today! We’ll help you customize the right insurance coverage for your home and get you started with a free quote!
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