Mobile homes are now more stylish and attractive than ever before, and come with many of the amenities that traditional homes include. Also known as manufactured homes, mobile homes come in two story models, ranch models, and even log cabin models. Once you’ve made your purchase, the next step is finding a North Carolina mobile home insurance policy that works for you.
You can search on the internet for insurance, but it’s unlikely you’ll find a personalized insurance policy. Instead, consider contacting an independent agent in the Trusted Choice® network. Unlike “captive” insurance agents, your member agent has the ability to compare multiple policies and North Carolina manufactured home insurance quotes to find a policy that suits your needs. Find an agent near you today and get started.
Essentially, manufactured homes and mobile homes are the same type of building. Both are considered a single family home that has been built within a factory and is then transported to the site of the residence. The only difference is the way that each home is built. During the 1970’s, the Housing and Urban Development (HUD) department enforced building code standards in the construction of mobile homes. So, if your mobile home was built before the '70s, you can keep referring to it as a mobile home. After the '70s, it’s technically a manufactured home.
Manufactured homes and mobile homes are similar, but not the same. Whereas a manufactured home is built entirely as the factory and transported as one piece to the site, a modular home is built in pieces. Those pieces are then transported to the site, laid on a foundation, and put together like a traditional home. Since these two houses are constructed differently, they each have unique insurance needs.
Modular homes, as a general rule, are insured similarly to traditional, site-built homes. Mobile and manufactured homes, on the other hand, are insured similarly to automobiles and other vehicles, since these dwellings tend to depreciate over time, like a car or truck. Ask an independent agent in the Trusted Choice network for clarification on the best insurance for the home in which you live.
This insurance provides coverage for damage to the structure of your home and personal belongings, as well as for your liability risks. Similar to standard homeowners insurance, a North Carolina mobile home insurance policy contains several parts which cover:
You aren’t obligated to purchase all forms of coverage, although it may be a good idea depending on your personal situation. If you have a barn and several sheds, detached structure insurance might make sense, but just make sure you’re setting the right coverage limits on all your policies.
While the building blocks of your mobile home policy are similar to homeowners insurance, North Carolina manufactured home insurance quotes should be tailor-made to specifically address your unique risks. Since your home isn’t attached to a foundation (unless it’s modular), you’re at a greater risk of severe weather damage. Keep in mind that flood damage isn’t covered in a standard mobile home insurance policy, so it’s best to purchase a separate policy if you live in a high risk area.
Some manufactured homes might have structural issues. Whether it happens in the factory, transport, or construction, these issues increase your risk for property damage, increasing the likelihood you'll need to make a claim. Insurance companies are always looking at risk to determine how much your insurance premiums will be, but don’t let the cost of mobile home insurance scare you away. North Carolina mobile home insurance is a wise purchase to protect your valuable home.
A Trusted Choice member agent can compare multiple North Carolina manufactured home insurance quotes to find an affordable rate for your needs and budget. You’ll still have comprehensive coverage, but with an insurance company you can trust.
To get the coverage you need along with personalized service and excellent support, find a professional insurance agent you can trust. An independent agent in the Trusted Choice network can help you find North Carolina mobile home insurance with ease. Find an agent near you today to get started.