Mobile homes are very popular in Alabama. In fact, manufactured homes account for roughly 16 percent of the state housing market, almost twice the national average. If you own a mobile or manufactured home in Alabama, you can protect it with mobile home insurance. Manufactured and mobile homes usually sustain more damage than site-built homes because they are made of lighter materials. In addition, mobile homes are at higher risk of theft and structural issues caused by the transport and installation process. Quotes for coverage premiums are customizable and can fit almost any budget.
The National Oceanic and Atmospheric Administration calculates that 49 percent of tornado fatalities occur when residents take cover in a mobile home or try to flee a mobile home. The combination of lightweight materials and semi-permanent foundations make wind damage much more significant for manufactured homes than for their traditionally built neighbors. Most mobile home policies include wind damage and debris removal as covered events. This coverage can help you repair or rebuild your home and even help with medical costs after a storm or other covered incident.
Mobile homes, otherwise known as manufactured homes, differ from traditional houses in that they are manufactured off site and then strapped to a foundation or set of piers at the home site. For this reason, manufactured homes require slightly different coverage than site-built homes. However, the major components of a mobile home policy are the same as a typical homeowners policy. They include the following:
Note that homeowners insurance, including mobile home insurance, does not cover the cost of flooding. If you live in an area of Alabama that is subject to natural flooding from river run-off, excess rain or storm surge, you could benefit from a flood insurance policy through the National Flood Insurance Program. Quotes are available on a variety of coverage options if your community participates in the program.
Both mobile homes and manufactured homes are factory-assembled in large pieces. But modular homes are site-built on a foundation from smaller factory-built modules. Modular home construction uses the same materials as site-built homes, which makes them sturdier and less prone to storm damage than manufactured homes. For this reason, modular homes usually have the protection of a typical homeowners policy.
Even though manufactured homes are usually less expensive than traditional homes, mobile home insurance can often cost slightly more than other homeowners insurance policies. The extra cost is due to the extra risks mobile homes pose: higher rates of theft and burglary, higher rates of storm damage and higher risk of structural damage. Even so, you can get quotes from a variety of insurance companies and find a policy that fits your budget and risks best.
Alabama is home to a number of independent Trusted Choice® insurance agents, who can help you find quotes and the right coverage for your mobile home. A local agent can also be an invaluable resource in a time of disaster and can become your advocate if you ever have to make a major claim with your manufactured home insurance carrier.
Contact a Trusted Choice agent in your area for customized quotes and coverage for your mobile home.