A Guide To Manufactured Home Insurance

4 questions to consider before buying a home

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Simple steps to buy a home successfully

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Consider your finance options, and then choose the best one available

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Make an offer with some wiggle room for negotiation

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Which other tips do you recommend when buying a home?

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Living in a manufactured home shows you how special it can be. It's easy to move, and there's no need to worry about whether or not the foundation is level. But there are some unique risks associated with owning a manufactured home that must be considered when purchasing insurance. If you're not careful, your insurance company could leave you high and dry in the event of an emergency. What follows is a guide for understanding what type of coverage makes sense for your particular situation:

Manufactured Homes Have Some Special Insuring Needs That Are Important To Know About.

You may be asking yourself why you need to get insurance for your manufactured home. The short answer is that homes built on a truck, trailer, or skid have special insuring needs that differ from site-built homes. Storms, fire, and theft are more likely to damage manufactured homes than traditional site-built homes. If you're buying a mobile home, you must understand how it's made and what makes it unique so that you can find the best possible coverage for your investment in the future.

Manufactured homes are also more susceptible to storm damage than site-built houses because they're on wheels and can be moved around easily by the weather.

Because of this higher risk profile, you need to know how these factors will affect your ability to get insurance coverage for your manufactured home if you need it.

What Is Homeowners Insurance?

Homeowners insurance is a type of insurance that pays for any damage or loss that occurs to your home. It may also provide coverage for personal belongings and certain types of financial losses that result from certain types of disasters, such as fires, hurricanes, or floods.

In general, homeowners' policies cover the replacement value of your house if it's damaged or destroyed by fire or another natural disaster. Most policies also cover damage caused by vandalism, theft, and severe weather. If you're renting instead of owning your home, your landlord's policy will likely cover these damages as well—but it's still important to understand what is included in your policy, so you know how much protection it provides before an incident occurs (or doesn't).

What Mobile Home Insurance Covers

While most people think of the home they live in when they hear the word "homeowners," there's more than just that structure to consider when it comes to insurance. Your homeowner's policy will also cover personal property and other structures on your property that are not considered part of the dwelling itself. In some cases, you may also be able to get coverage for additional living expenses if your home becomes uninhabitable due to an insured claim (like a fire or flood).

Here's a breakdown of what each type of coverage can do for you:

Dwelling coverage: This will pay out damages related to the structure itself, including things like fire damage, hail, wind damage, and more.

Personal property coverage: This pays out damages related to items inside your house like clothing worn by family members and appliances and electronics like televisions and computers.

Factors Can Affect Your Specific Home Insurance Rates?

As you're shopping for a manufactured home insurance policy, there are several factors that can affect your specific home insurance rates.

Location. The location of your home is one of the most important contributors to your premium. If you live in a high-crime area with frequent accidents or thefts, it will likely cost more to insure your home than if it were located in a safer neighborhood.
Age and make/model of home. Generally speaking, older homes have higher risks associated with them than newer homes do—and age can also affect the price tag on your policy!
Number of stories and size (square footage). As mentioned above under "location" factor above...the more stories there are in your house—meaning upper levels with bedrooms or bathrooms—the higher risk there will be for damage during an earthquake or hurricane due when these natural disasters occur here locally every few years.