New Jersey Mobile Home Insurance

Find the Best Mobile Home Insurance Options in New Jersey

Whether you recently purchased your New Jersey mobile home or you've lived in your mobile home community for decades and are looking to change policies, mobile home insurance can protect your home and its contents.

However, before you buy a mobile home insurance policy, careful research and quotes from multiple insurance companies will help you find the right policy for your needs and budget.

Contact a local independent insurance agent for help choosing mobile home insurance in New Jersey.

What Are the Best Mobile Home Insurance Companies in New Jersey?

There are a lot of options for mobile home insurance in New Jersey. How can you make the best choice?

The following are some of the best mobile home insurance companies in New Jersey. They are highly rated for their mix of valuable coverage offerings and competitive pricing.

• Foremost Insurance Company: Foremost was founded in 1952 and offers a wide range of coverage, including mobile home insurance, in 50 states.
• REInsurePro: This carrier offers mobile home insurance as well as several important forms of property insurance, including coverage for single- and multi-family homes, vacation rentals, renovations in progress, vacant land, and more.
• The Andover Companies: Andover has been providing personal and business insurance solutions to customers for nearly 200 years. In addition to mobile home insurance in New Jersey, Andover offers home insurance, condo insurance, and a variety of other options.

An independent insurance agent in your area can help you learn more about these and other New Jersey mobile home insurance companies. A local agent can help you get competitive quotes for the coverage that fits your needs.

What Is the Difference Between Traditional Home Insurance and Mobile Home Insurance?

Insurance companies treat mobile homes and traditional site-built homes differently because of variations in construction and materials, as well as the value of the structures over time. Site-built homes are built on site, onto a foundation; mobile homes are built in a factory and then transported to the location.

Mobile or manufactured homes typically cost less than traditional homes. And mobile homes actually lose value over time, unlike most traditional site-built homes.

One might then expect lower insurance costs for mobile homes, but this is not always the case. Sometimes, mobile home insurance costs just as much traditional home insurance. This is because mobile homes have greater exposure to damage due to fire, theft, vandalism, and weather-related incidents or natural disasters.

It's important to remember that even modern mobile homes, which are stronger than older models, come with increased risks, making mobile home insurance essential for anyone who lives in one.

What Types of Risks Do Mobile Homes Face?

While all homeowners must be concerned about damage caused by weather, fire, and theft, mobile homeowners are even more susceptible to damage from these types of events.

• Mobile homes are constructed of materials that may allow fire to spread more quickly and cause greater damage.
• Mobile homes are lighter-weight and more susceptible to wind damage.
• Mobile homes may have less effective insulation, leading to an increased risk of frozen pipes and resulting damage.
• Sometimes, mobile homes are located in higher crime areas, making them more susceptible to theft and other property crimes.
• Mobile homes may experience costly structural integrity problems after transport.
• General health and safety risks are greater for mobile homeowners than traditional homeowners.

A local independent insurance agent will help you understand the risks you face in your mobile home and how New Jersey mobile home insurance can help.

What Does Mobile Home Insurance Cover in New Jersey?

Mobile home insurance is similar to traditional home insurance. It provides coverage for the structure and your belongings, as well as personal liability coverage in case you are sued for negligence.

• Dwelling coverage protects you if your mobile home is damaged due to a covered loss (typically fire, theft, vandalism, wind, hail, and other weather-related damage).
• Personal property coverage protects you if your personal property (furniture, clothing, etc.) is damaged due to a covered loss.
• Personal liability coverage protects you if a visitor to your mobile home gets injured due to your negligence or if you damage someone else’s property and you are sued.
• Additional living expenses/loss of use coverage reimburses you for certain living expenses, like lodging, meals, and gas, if you're forced to live away from your mobile home after it's been damaged or destroyed by a covered peril (e.g., a fire, a severe storm).

Like standard homeowners insurance, mobile home insurance does not cover flood damage. If you live in a flood-prone area, be sure to talk to your agent about obtaining flood insurance in addition to your mobile home insurance.

With the help of an independent insurance agent in your area, you can find the right mobile home coverage for your needs.

What Isn’t Covered by Mobile Home Insurance in New Jersey?

Mobile home insurance in New Jersey excludes coverage for certain types of events. It's important to be aware of these coverage exclusions before something goes wrong.

Here are some types of events that are not typically covered by New Jersey mobile home insurance:

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

You can look into separate flood and earthquake insurance to protect your home if these kinds of disasters are a factor where you live. An independent insurance agent can make sure you get the coverage you need to best protect your home.

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What Does Mobile Home Insurance Cost in New Jersey?

Mobile home insurance costs in New Jersey are influenced by a variety of factors, such as:

• Where you live. Locations with higher land values, higher incidents of severe storms or wildfires, or more crime will typically have higher mobile home insurance rates.
• Your home’s value. The value of your mobile home affects how much you will pay for insurance. For example, a single-wide home in a New Jersey mobile home park will likely cost less to insure than a double-wide home on private land that you own.
• The age of your home. Older mobile homes can be difficult and costly to insure because of the inherent risks of damage. These homes are particularly susceptible to damage from fire and weather events.
• The liability coverage you need. Liability insurance protects you and your assets if someone sues you after being injured on your property or if you are responsible for damaging someone else’s property.
• Your personal property coverage. You need personal property/contents coverage to protect your personal belongings (furniture, clothing, electronics, etc.) from losses due to theft, fire, storms, and so on. The more personal property coverage you need, the more expensive your New Jersey mobile home insurance will be.
• Your deductible. Choosing a higher deductible will somewhat lower your insurance rates. But since a deductible is the amount you have to pay out-of-pocket before your insurance company will pay for a claim, you should be confident that you can afford to pay the deductible for any given claim. Lower deductibles can mean even greater peace of mind but will increase what you pay for New Jersey mobile home insurance.

An independent insurance agent in New Jersey can explain all the factors insurance companies use to establish your mobile home insurance premium.

How to Find the Best Mobile Home Insurance Quotes in New Jersey

Instead of getting an online quote for New Jersey mobile home insurance, find an independent insurance agent now and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Get Mobile Home Insurance

Our independent agents shop around to find you the best coverage.

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New Jersey Mobile Home Insurance FAQs