According to the most recent U.S. Census, there were 149,732 occupied mobile homes here in the Beaver State. This housing option provides an affordable way for many of Oregon’s citizens to become homeowners. Whether you own a permanently situated manufactured home or a traditional trailer-type home, a comprehensive mobile home insurance policy can help protect the investment that you have made in your residence.The following information will guide you on the details of getting and comparing manufactured home insurance quotes and selecting a great policy at a competitive rate.
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Average Price of Mobile Homes in Major OR Cities
- Portland: $73,449
- Eugene: $80,465
- Salem: $72,922
- Gresham: $51,906
- Hillsboro: $72,999
- Beaverton: $76,482
- Bend: $127,126
- Medford: $81,304
What Is Mobile Home Insurance?
Mobile home insurance is a specialized form of homeowners insurance designed to meet the unique coverage needs and risks faced by mobile home owners. Mobile homes, frequently referred to as manufactured homes, have evolved significantly over the years. Since 1976, manufacturers have complied with stricter HUD safety and building material standards for constructing mobile homes.
Manufacturers build manufactured homes in a factory and then transport them to their intended location. At the site, a contractor fastens the homes to the ground using straps and anchors. Modular homes, on the other hand, leave the factory in sections. A contractor then assembles them at their permanent destination. Because modular homes are permanent structures, they tend to appreciate rather than depreciate. As a result, you can cover mobile homes with traditional homeowners insurance rather than mobile or manufactured home insurance.
Like traditional home insurance, mobile home insurance policies protect residents of Oregon from property loss and damage and from liability claims including libel and slander. If a guest sustains injuries while on your property and you are at fault or if your pets or children cause property damage or bodily injuries to others, your mobile home insurance may provide the necessary coverage as well as pay for any court costs and legal fees you may accrue in your defense.
Mobile Home Insurance Covers Most Weather-Related Damage
Inclement weather, such as storms that bring lightning, hail or heavy winds, can cause many problems for manufactured home owners. These homes are not as sturdy as many traditional homes, and, in heavy winds, the anchors have the potential to loosen causing the homes to topple over.
One important thing to note is that mobile home insurance policies do not provide coverage against floods. Because mobile homes do not have basements, floodwaters are likely to cause a lot of damage to the living areas of the home. Floods can destroy expensive electronics, major appliances, furniture and other valuable possessions. The only way to get coverage against this type of disaster is by supplementing your mobile home insurance policy with an NFIP-backed flood insurance policy.
Burglaries per 1,000 Residences in Major OR Cities
- Portland: 7.48
- Eugene: 9.59
- Salem: 6.63
- Gresham: 8.19
- Hillsboro: 3.43
- Beaverton: 2.12
- Bend: 4.71
- Medford: 6.27
Mobile Home Insurance Covers You Against Property Crimes
The most recent statistics place the national burglary rate at approximately 6.70 burglaries per every 1,000 residences. Oregon’s overall burglary rate of 5.62 is lower than the average; but in areas such as Gresham and Eugene, the rate is significantly higher. Because your mobile home insurance policy can compensate you for losses that result from property crimes, living in a higher crime area is likely to affect your mobile home insurance rates.
You may be able to save money on your insurance policy by taking preventive measures such as installing deadbolts, burglar alarms and motion detection lighting since many insurance companies offer discounts for doing so.
In the event that someone burglarizes your home, contact the police and file a report as soon as you are certain that you and your family are safe. You will need a copy of the police report as well as a detailed listing of all stolen or broken items when you call your insurance company or agent to file a claim.
How Reasonable Are Mobile Home Insurance Quotes in OR?
With an average home insurance rate of $484 a year, Oregon is among the least expensive states in which to insure a home. Because mobile home insurance policies are generally more affordable than traditional home policies, you should be able to find a number of policies at a rate that is less than $40 a month.
Insurers calculate policy rates according to a number of factors, including these:
- The location of your home: Homes in areas of Oregon that have high property crime rates will cost more to insure than homes in safer areas.
- The amount of coverage you need: You can purchase different coverage amounts for the three coverage types:
- Structural coverage: This covers the structure of your home and peripheral property such as sheds and fencing.
- Contents coverage: This covers the personal property you keep inside your home.
- Liability coverage: This protects you against many different kinds of liability claims, including charge of libel and slander.
- The amount of your deductible: As with other types of insurance, the lower your deductible, the higher your premiums will be and vice-versa. Just be certain that your chosen deductible is low enough to be easily manageable if you need to file a claim.
You may be able to get even lower rates on your policy if you qualify for certain discounts. Some examples of discounts you may find offered by insurance companies include reduced rates for these situations:
- Combining your mobile home insurance policy with another policy such as an auto or life insurance policy
- Installing anti-theft devices such as deadbolts and burglar alarms
- Installing a smoke detection system that notifies the local fire department of the alarm
- Opting to have automatic monthly payments deducted from your bank account
- Having a claims-free history
Be sure to ask about possible discounts any time you request manufactured home insurance quotes.
Compare a Variety of Mobile Home Insurance Quotes in Oregon
Comparing a variety of manufactured home insurance quotes in Oregon can be time-consuming and, at times, frustrating. When you work with an independent insurance agent in the Trusted Choice® network, this process becomes much easier. These agents can provide you with a selection of competitively priced policies from which to choose.
Find a Trusted Choice agent near you to learn more about your mobile home insurance coverage options.