Boston has one of the highest average cost of living in the entire U.S. However, the city has so much to offer, from its beautiful parks to its many colleges and universities, that is often listed as one of the best places in the country to live. One way to obtain affordable housing in this vibrant city is by purchasing a mobile or modular home. If you choose to do so, you will need to secure your investment with a comprehensive Boston, MA mobile home insurance policy.
Independent Insurance Agents in our network can provide assistance when you are shopping for an ideal policy. Your local member agent can help you determine your personal coverage needs and present competitively-priced policies that can meet those needs. Find a member agent in your ZIP code today to receive a variety of Boston manufactured home insurance quotes.
Boston, MA Mobile Home Statistics
- Only about 1% of all homes in Massachusetts are mobile homes
- In Boston, mobile homes make up a mere 0.1% of all housing
- There are about 300 mobile homes in the city of Boston
- The average cost for these homes is $86,666
Though not commonly found in this city, mobile homes can be purchased for far less than traditional homes. "Mobile homes" can include both trailers and modular homes, which are built in a factory, transported by truck and then anchored to a foundation. Although most modular homes appear similar to traditional homes and are designed for permanent placement, they have more inherent risks when it comes to heavy winds because of the light-weight materials that make up their construction.
Coverage for Loss from Inclement Weather
Strong winds, severe thunderstorms and heavy snowfalls are common occurrences in the Boston area. These inclement weather events can cause extensive damage to manufactured houses. Gusty winds from hurricanes and tropical storms can cause the anchoring mechanisms of these homes to loosen or break. Your Boston mobile home insurance carrier may cover weather-related damage as part of a basic policy, or may require you to purchase separate riders, or endorsements, to cover specific weather events. Be sure to ask the insurance providers about weather damage compensation before deciding on a policy to purchase.
Coverage for Loss Caused by Fire
Mobile homeowners must consider the risk of residential fires. Although many believe that mobile homes burn more quickly than conventional homes, mobile homes built since 1976 and those upgraded to meet HUD standards are significantly safer than their earlier counterparts. Even with these safety standards in place, residents of mobile homes need to be diligent when it comes to fire safety. Due to Massachusetts’ harsh winters, many mobile homeowners find it necessary to add a space heater for additional warmth, but these portable heaters are notorious for starting residential fires and should be used with caution.
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Boston Fire Statistics
- In recent years, the Boston Fire Department reported more than 72,000 incidents
- Of those, approximately 50 resulted in significant property damage
- The Boston FD responds to calls in under 4 minutes 60% of the time
Coverage for Loss Caused by Property Crimes
The burglary rate in Boston is very low, particularly for a city of its size. Unfortunately, many burglars see mobile homes as easy targets. A Boston mobile home insurance policy is designed to provide compensation for property loss or damage if you are a victim of a burglary or other property crime. You can do your part by making sure that your doors are secured with deadbolts and that your windows have locks that are in working order. Keep entrances well lit and make sure that they are not hidden by shrubs, trees or decorative ornamentation. If you are robbed, be sure to file a police report right away and then contact your Boston manufactured home insurance provider with the details of your loss.
Boston Property Crime Statistics
- A total of 3,482 burglaries occurred in this city in recent years
- This equates to 560.4 burglaries per every 100,000 homes
- By comparison, the US average is 702.2 burglaries per every 100,000 homes
Find Boston Mobile Home Insurance to Meet Your Needs
Most insurance professionals recommend that consumers obtain a minimum of three quotes before purchasing a policy. This ensures that you are getting your policy at a competitive rate. Unfortunately, contacting several insurance agencies, whether by phone or online, can be time consuming and frustrating. An independent agent can save you time and aggravation by doing the comparison shopping for you. Our agents can do more than just help you find an ideal mobile home insurance policy. Your local member agent can review the other insurance policies you carry to ensure you are adequately covered and that you are not overpaying for your coverage.
Find an agent in your ZIP code today to receive a selection of Boston mobile home insurance quotes that fit your needs and budget.