Idaho has a vast offering of both outdoor and urban activities, making it the perfect place to call home. Whether your home is rural or suburban, a mobile home or manufactured home may be your chosen type of residence.
If you own a mobile home or a manufactured home, you may believe that insurance for these types of residences is impossible to get. However, there are many mobile home insurance options available. This insurance is important to have in order to protect your home from disasters such as fire, wind, and theft.
While newer homes seem to have a much better track record for fire safety, older, outdated mobile homes or modular homes sometimes are prone to fire damage. Generally, the materials used in construction of manufactured homes leaves them more vulnerable to fire compared to traditional homes. This makes a strong case for the value of mobile home insurance, which can give you peace of mind because no matter what happens, your mobile home and its belongings are covered.
Mobile home insurance is a set of policies tailor-made to cover your mobile home and your belongings in case of a disaster or theft. Typically, a mobile or manufactured home insurance policy may include the following:
Mobile homes and manufactured homes are two terms that describe factory-built housing. HUD developed the term "manufactured home" in 1976 after the agency created new standards for construction. Both mobile and manufactured homes are built in a factory and then delivered to a lot or to the desired location, then anchored to the ground.
On the other hand, modular homes are a bit different. The elements of the home are created in a factory in "modules", then they are transported to the building site. Because modular homes are built on a site and anchored to a foundation, not just to the ground, some insurance agencies insure them similarly to traditional houses.
Whether your home is a modular home or a manufactured home, you need insurance covering damage to your home and its belongings. Just a simple kitchen fire or windstorm can cause major damage or complete loss, and starting from scratch is expensive.
Mobile home insurance varies in cost, and many factors are considered before giving you a quote. Generally speaking, insurance companies view mobile homes similarly to cars - which is to say, the mobile home generally depreciates over time, so the cost to insure the home may also decrease over time. Site built homes and modular homes in some cases may get more expensive to insure over time due to the fact that the property and the home may increase in value over the course of time.
When shopping for mobile home insurance, be sure to have the following information available for your agent:
These are just a few of the questions that insurance agents may ask before giving you a quote for mobile home insurance in ID.
Mobile home insurance may seem confusing, or you may have heard that it's impossible to insure a mobile home. Either way, it's important to have a professional on your side to help you get the right coverage. Trusted Choice® agents are always available to help you discuss coverages, answer questions, or even help you file a claim.
They have years of experience working with ID insurance providers, enabling them to find you a number of quotes from a variety of companies. Contact a Trusted Choice agent near you today to find the best mobile home coverage at the most affordable rates.