South Carolina Mobile Home Insurance

Find the Best Mobile Home Insurance Options in South Carolina

As of one recent year, there were a reported 359,228 mobile homes in South Carolina. For those living in mobile or manufactured homes, having a mobile home insurance policy can help protect against losses due to common and unexpected disasters, including severe weather damage, fires, vandalism, and more. While not every insurer sells mobile home insurance, there are still options available to get coverage.

Luckily, a South Carolina independent insurance agent knows exactly where to find the best mobile home insurance for you. Working together with a South Carolina independent insurance agent is a wise decision when you're ready to start shopping for coverage. First, though, here's an overview of South Carolina mobile home insurance.

How Much Does Mobile Home Insurance Cost in South Carolina? 

The average cost of mobile home insurance in South Carolina is difficult to predict. That's because the cost of coverage actually varies depending on several factors. Also, you don't just want to find the cheapest coverage available when shopping for mobile home insurance.

Work together with a South Carolina independent insurance agent to be certain you get the best overall blend of both cost and coverage. These agents know not only where to find the best rates but the overall best quality coverage for your needs. They'll make sure your policy is not only affordable but actually provides the protection for which you rely on it.

What Factors Impact Mobile Home Insurance Rates in South Carolina? 

The average cost of mobile home insurance is usually more than traditional homeowners insurance. Certain factors about mobile and manufactured homes can cause them to be seen as more of a risk to insurance companies. 

For example, the lighter weight of mobile homes can make them more vulnerable to wind damage and fires. Your mobile home insurance rates depend on the following factors:

• The size, age, and value of the home
• The location of the home and the area's likelihood of a tornado
• The local crime rate
• The value of any personal belongings
• The level of liability coverage chosen
• The deductible amounts chosen
• Your zip code
• The mobile home's estimated replacement cost
• The coverage limits chosen
• Your personal insurance claims history

A South Carolina independent insurance agent will consider all of these factors when helping you find the most affordable mobile home coverage near you.

What Does South Carolina Mobile Home Insurance Cover?

Mobile home insurance is basically a special type of homeowners insurance designed for the specific characteristics of mobile homes. Though you can add more coverage to your policy, there are certain standard coverages found in many mobile home insurance policies. These usually include:

• Dwelling coverage: This can help reimburse you for the cost to rebuild or repair your mobile home after a covered peril like fire damage or vandalism. You can choose to insure your mobile home for actual cash value, which takes depreciation into account, or replacement cost, which can cover the full cost of a new mobile home of similar size and quality.
• Contents coverage: This can help reimburse you to repair or replace your personal property, like clothing, furniture, etc., if it gets stolen or damaged by a covered peril like fire. For valuable antiques, collectibles, or artwork, you may need extra coverage in the form of a rider or floater.
• Liability coverage: This can help reimburse you for lawsuit costs if a third party claims personal property damage or bodily damage caused by you or your property. Without this coverage, you could have to pay for the cost of an entire lawsuit out of your own pocket.
• Umbrella insurance: This provides added liability protection on top of an existing policy's limits and can better reimburse you for the costs of a hefty lawsuit. Excess liability coverage is available in increments of $1 million with umbrella insurance.
• Flood insurance: This separate coverage must be added to a mobile home insurance policy, which excludes damage caused by natural flooding. A flood insurance policy is the only way to protect your property against flooding caused by natural water sources like rain and snowmelt, which is good to have in South Carolina, a coastal state.

A South Carolina independent insurance agent can help you get equipped with all the types of mobile home insurance you need.

Additional Mobile Home Insurance Coverage in South Carolina

To complete your South Carolina mobile home insurance policy, you might need a couple of additional forms of coverage not already included. Your needs may vary, but here are a couple of common coverages to consider:

• Flood insurance: Natural sources of flooding, such as heavy rainfall or snowmelt, are excluded by South Carolina mobile home insurance. Having a separate flood insurance policy can provide you with reimbursement after a natural flood disaster damages or destroys your mobile home or personal property.
• Additional valuables: For those who have valuables like jewelry, art, collectibles, or electronics, additional coverage may be required to fully protect them against damage, theft, and destruction. A separate rider or floater may need to be added to your policy for you to have all the coverage you need for valuable property.

Your South Carolina independent insurance agent can help you add any extra coverage you need to your mobile home insurance policy.

What Isn’t Covered by Mobile Home Insurance in South Carolina?

There are other possible threats, still, that aren't covered by South Carolina mobile home insurance. Be sure to review your policy from the very beginning to be certain of what you'll have coverage for and any holes in your coverage. This can help you prepare ahead of time and avoid possible losses. The following are typically not covered by South Carolina mobile home insurance:

• Insect or animal infestation
• Earthquakes
• Flooding from the outside
• Malicious or intentional acts against others by the homeowner
• In-transit accidents
• Wear and tear of the mobile home

Remember, a separate flood insurance policy is necessary to protect your South Carolina mobile or manufactured home against natural flooding disasters such as hurricanes. You may also need separate earthquake insurance to protect your South Carolina mobile or manufactured home against damage from these natural disasters.

What Types of Risks Do Mobile Homes Face in South Carolina?

South Carolina sees the fifth-highest number of hurricanes in the U.S. each year. Because of this risk, mobile homeowners in South Carolina face the risk of severe wind damage and flood damage to their property. 

Other types of extreme coastal storms, like thunderstorms, can also bring hail with them, which could have a devastating impact on your property. If you own a vehicle, make sure to consider adding comprehensive coverage to your auto insurance to protect it against hail damage. 

Another consideration that mobile homeowners must keep in mind is the risk of fire. Although it's a common misconception that mobile homes burn more easily than conventional homes, mobile homes built after 1976 and those upgraded to meet the Department of Housing and Urban Development's (HUD) standards are significantly safer than their earlier counterparts. 

Even with these safety standards in place, however, residents of mobile homes should be diligent when it comes to fire safety. Be sure you always have working smoke alarms and fire extinguishers on hand. 

What Are the Best Mobile Home Insurance Companies in South Carolina?

When you're ready to find mobile home insurance in South Carolina, you want to skip to only the best insurers. Not all insurance companies provide the best coverage or rates. 

That's why we've put together this list of a handful of the top-rated mobile home insurance companies in South Carolina for you. Start by checking into these outstanding carriers. 

• Foremost: Foremost is the best mobile home insurance company in South Carolina overall. Backed by AARP, Foremost offers member discounts for senior mobile homeowners. The carrier also ranks at the top of our list thanks to its protection for older mobile homes, something most insurers don't provide. Foremost also offers additional coverage benefits such as debris removal and food spoilage coverage.
• Progressive: Progressive is another outstanding mobile home insurance company in South Carolina. The carrier offers a replacement cost coverage option, something not provided by many mobile home insurers. Progressive also offers a user-friendly mobile app for customers and discounts for new mobile homeowners.
• Allstate: Allstate ranks as the best mobile home insurance company in South Carolina for retirees. The carrier offers several discounts for retirees and original title holders of mobile homes. Allstate also offers a user-friendly mobile app for customers and a large selection of optional coverages.

Your South Carolina independent insurance agent can help you find the right mobile home insurance policy from one of these outstanding local carriers.

South Carolina Mobile Home Insurance Discounts

Saving even more money on South Carolina mobile home insurance is possible thanks to discount options. The mobile home insurance discounts offered in South Carolina depend on which insurance company you go through and other factors like your eligibility for each. Here are some of the common mobile home insurance discounts available from many insurers in South Carolina:

• Electronic policy discounts
• Claims-free discounts
• Mobile park discounts
• Smart home protective device discounts
• Mobile home as a primary residence discounts
• Mobile homeowners over 50 years of age discounts
• Having continuous coverage for more than three years discounts

Your South Carolina independent insurance agent will help you find and apply any mobile home insurance discounts you qualify for.

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Mobile Homes vs. Manufactured Homes vs. Modular Homes 

Understanding the differences between mobile homes, manufactured homes, and modular homes before you look into getting coverage for your property can be helpful. One of the key defining factors to be aware of is the year the homes were produced. Mobile homes are really fabricated homes that were built on or before June 15, 1976. 

Properties built after June 15, 1976, had to adhere to new standards put in place by the HUD. So, properties that were once classified as mobile homes were now classified as manufactured homes. 

Modular homes, in contrast, are properties constructed entirely off-site and then transported to a foundation site where builders install the properties. Here's a further breakdown of each type of home:

• Mobile homes: Homes built before June 15, 1976, that don't adhere to the HUD's standards fall into this category. Mobile homes are most often on wheels and can be transported or driven wherever the homeowner wants to live.
• Manufactured homes: Properties that are similar to mobile homes, with the main difference of having been built after June 15, 1976, fall into this category. These homes adhere to the standards set by the HUD.
• Modular homes: Properties that are constructed in sections called "modules" off-site are categorized as modular. These properties are later transported to where the builders finish assembly and install them into the foundation. 

Knowing for sure which type of home you own can help simplify the process of finding the proper coverage for it.

How to Get a South Carolina Mobile Home Insurance Quote

You can search for a South Carolina mobile home insurance policy the easy way by allowing an independent insurance agent to do the shopping for you. These agents work with several insurance companies to find the policy that best meets your coverage needs and budget. 

A local agent can also advocate for you if you ever need to file a claim with your insurance company or update your coverage down the road. Get started with a South Carolina independent insurance agent today.

South Carolina Mobile Home Insurance FAQs