This central Texas city relies on manufactured homes for almost two percent of the total local housing. These homes can provide an affordable and convenient solution for many families. You can also find answers to your San Antonio, TX mobile home insurance questions right in the city.
Your own San Antonio mobile home insurance rates will depend upon a number of considerations such as the age and condition of your house, the exact ZIP code and perhaps your prior claims history. Some insurers may be friendlier to this type of housing. Thus, it can really pay to compare a variety of price quotes.
If you need to find cheaper rates, consider some typical discounts you might qualify for. You may even qualify for more than one of these discounts at a time:
The percentage of mobile homes compared to other types of housing is lower in this city than the statewide average.
Mobile homes and manufactured homes are two terms that basically refer to the same type of factory-built housing. Builders construct modular homes on a lot using factory pre-built parts. But when it comes to mobile homes and manufactured homes, builders construct them in a factory, and then deliver them to a lot.
Because builders construct modular homes on a lot per local building codes, some insurers consider them similar to traditional houses made out of wood and bricks. This could make modular homes comparatively less expensive to insure.
Your policy will probably consist of a bundle of different types of coverage. You can discuss these common coverage types with a local agent:
Besides this basic coverage, you might also need to purchase extra insurance for things that a basic policy excludes. This city is part of a central Texas region known as “Flash Flood Alley,” and flood insurance is not included in basic home policies. A local agent can help you find additional coverage.
Finding the right policy and coverage options for your home does not have to be a complicated or time-consuming job. A local agent in the Trusted Choice network can do most of the hard work for you. These agents will help you compare rates from multiple insurers and select the right coverage.