Whether you live in a manufactured, modular or mobile home in one of West Virginia's great neighborhoods, finding the right mobile home insurance policy for your home is necessary to protect the place where you rest your head at night. Although your home differs from other permanent residential structures, it is still home to you and worth protecting. Before you search for mobile or manufactured home insurance quotes, find out which type of insurance is most suitable for you.
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What Is Mobile Home Insurance?
A great mobile home insurance policy blends reliable protection for your West Virginia home, outstanding service and affordable rates.
Mobile home insurance, or manufactured home insurance, is a specialized type of homeowners policy designed to cover a different set of risks as compared to traditional homes in WV. Manufacturers construct manufactured homes in a factory with lighter materials and then transport them to a site and tie them down with ground anchors for stability. Because these homes differ from traditional site-built homes in design and construction, they need a special insurance policy.
What Does Mobile Home Insurance Cover?
Mobile home insurance, or manufactured home insurance, not only covers your West Virginia mobile home. It can also provide these protections:
- Property damage coverage: Protects detached structures on your property, such as sheds and garages
- Personal property coverage: Protects your personal belongings, including appliances and furniture, in the event of loss or damage by occurrences such as burglary, fires, tornadoes or lightning
- Living expenses coverage: Protects you if your home is severely damaged by a covered loss
- Liability coverage: Helps pay for injuries that might occur on your property up to the limits you choose on your mobile home insurance policy
Mobile homes, manufactured homes and modular homes are all eligible for coverage under a mobile home insurance policy. And if your mobile home isn't your primary residence, you can build a non-owner-occupied, seasonal or rental mobile home insurance policy to cover it.
What's the Difference Between Modular and Mobile Homes?
Modular homes are more like homes built on site in that builders construct them on a foundation like traditional homes. Modular homes are only similar to mobile homes in that the materials used to make the home are pre-fabricated in a factory, then sent to the building site in pieces for assembly. Builders construct modular homes at the site from the pre-fabricated sections.
Insurers generally treat modular homes like traditional homes for insurance purposes. Their similarity to site-built homes makes modular homes generally prone to fewer risks of damage or loss than mobile and manufactured homes. A knowledgeable insurance agent will be able to explain which type of insurance is more suitable for your home.
What Is an Average Quote for Mobile Home Insurance?
The type of policy you choose and the amount of deductible you are comfortable paying will determine your mobile home insurance quote.
Generally, homeowners choose minimum insurance amounts of $30,000 worth of coverage for single-section manufactured homes and $45,000 for double-section homes. However, you want to consider whether you would be able to rebuild in the event of a total loss.
Another factor to keep in mind is liability. Consider how much coverage you need to protect your finances in the event of a large claim, which can result from dog bites, four-wheeler accidents, slips and falls, and other injuries that may occur on your property. If someone sues you, your basic liability coverage may not be enough to pay for legal costs, any awards, lost wages or medical bills for the injured party. Choosing quotes for higher liability coverage would mean paying higher insurance premiums in the end, but that coverage may give you the peace of mind you need.
Start Saving on Your Mobile Home Insurance
Fires, windstorms and other natural disasters affect mobile homes more drastically than they do homes built on their foundations. Don't let one weather event ruin you. Contact a knowledgeable Trusted Choice® independent insurance agent for quotes and for information on how you can protect your home and finances.