Owners of mobile homes in Vermont are at high risk of loss due to storm damage and fire. With the right mobile home insurance, you can safeguard your Vermont home and your finances. A local agent can show you quotes on affordable manufactured home insurance.
Mobile homes, also known as manufactured homes, make up 7 percent of Vermont's available housing. When Hurricane Irene struck, 15 percent of the destroyed houses were mobile homes. Because they are made of lighter materials and are usually strapped to anchors in the ground, manufactured homes are more susceptible to strong winds, hurricane, fire and other damage than standard site-built homes are. Mobile home insurance helps you prepare for unexpected repairs and losses, and provides liability coverage for you as a homeowner.
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Mobile Homes and Wind Damage
- 49% of annual tornado fatalities occur in mobile homes.
- Manufactured homes tend to break apart and become dangerous debris in strong winds.
- It does not take tornado or hurricane force winds to destroy a mobile home; thunderstorm outflows, cold fronts and cyclones can also cause major damage.
- The threshold for wind damage to a manufactured home is just 50 mph, sustained for more than 3 seconds.
You can protect your family from injury by following a few tips for manufactured home owners from the American Meteorological Society:
- Make sure the installers follow the manufacturer's directions for attaching the home to its foundation.
- Remember that even a properly secured mobile home is not a safe shelter in case of strong winds, so prepare for evacuation in advance.
- Locate the nearest windproof shelter, perhaps at a neighbor's home or in a local convenience store, and practice getting there as a family. All mobile home communities in VT should have a central shelter, ideally.
- If you live in a rural area with no nearby wind shelters, consider building a storm cellar on your property.
If you own your mobile home outright, you may not have to purchase mobile home insurance. But given Vermont's history of high winds and hurricanes, your manufactured home coverage may someday enable you to rebuild, rather than lose your home to a storm.
What Does Mobile Home Insurance Cover?
Like homeowners insurance, mobile home insurance protects you from the unexpected expense of damage and legal claims related to your property. Covered incidents usually include strong winds, hail, lightning, fire, indoor flooding from broken pipes and vandalism. You can choose less expensive coverage for the actual cash value of your home, which accounts for depreciation, or you can choose replacement value coverage. If you do not keep much money in savings, replacement value coverage may be worth the higher cost if your home sustains damage beyond repair.
Manufactured home insurance can also cover your personal property against burglary, theft, and damage from covered natural disasters. Americans keep an average of $20,000 in personal belongings in the home. This includes items like electronics, clothing, furniture and appliances. If you have valuable collector's items or jewelry, you may need to insure them with individual endorsements after you get an appraisal.
One of the most important functions of your mobile home policy is the liability insurance protection. This can help pay settlement costs, court fees and your legal defense up to the limits of your policy if someone sues you. Your liability coverage can take care of bodily injury and property damage claims made by guests, delivery workers and extended family members. It can cover claims like dog bites, slips and falls, and other accidents. If you would like to extend the scope and coverage limits of your liability policy, you may wish to ask a local agent for quotes on umbrella insurance.
What Is Not Covered?
Many mobile homeowners in VT rent the lot where the home is located. In this case, you can choose to insure only the home itself. However, if you own land, you can usually extend the mobile home insurance to cover your entire property.
Some natural disasters, like earthquake and flooding, are not covered. You can purchase earthquake insurance as a rider to your mobile home policy in most cases. And flood insurance is available through the National Flood Insurance Program if your community participates.
The liability component of your manufactured home policy usually does not cover personal injury claims like libel, slander and false arrest. If you expand your liability coverage by purchasing an umbrella policy, these types of claims are typically covered.
Modular vs. Manufactured
Modular homes differ from manufactured homes. Modular homes are prefabricated using traditional building materials and consist of sections called modules. The builder then builds the home on a foundation from the prefabricated modules. Modular homes tend to weather storms in the same way a traditionally built house would, and for this reason, they normally require a standard homeowners policy, rather than a manufactured home policy. If you need quotes on coverage for a modular home, a qualified local agent can probably answer your questions.
Manufactured homes are prebuilt entirely in a factory, delivered to a site and then installed at the site.
Find the Best Quotes in Vermont
The cost of coverage for your mobile home depends on many factors like the home's age, value, location and the amount of deductible you choose. A local independent agent in the Trusted Choice® network can speak with you about your home and your budget to help you select the right type of coverage.
Contact a Trusted Choice agent right here in Vermont to get the manufactured home insurance you need to protect your finances.