Mobile homes are a popular choice in Wyoming. In fact, this state ranks sixth in the country for mobile home ownership. If you own a mobile home, also known as a manufactured home, you need mobile home insurance to protect your investment. Quotes on manufactured home insurance are easy to find and can fit a wide variety of budgets and risks. Because damage from fire and wind are more likely to occur in a mobile home than in a site-built home, it is even more important to purchase the right kind of coverage. This can mean the difference between rebuilding debt free after a catastrophe or going far into debt in an effort to get back into suitable housing.
These extreme weather events occurred in Wyoming between 1950 and 2010:
Mobile homes are more prone to damage from winds and heavy snows, so it is very important to make sure you have the right kind of coverage to take care of repairs after a storm.
Manufactured home insurance, or mobile home insurance, is a special kind of homeowners insurance. Like a typical homeowners policy, it covers certain kinds of physical damage to the structure and surrounding property. It also provides liability coverage. However, even though mobile homes are usually less expensive than site-built homes, mobile home insurance may cost slightly more than a similar homeowners policy. This is because manufactured homes are made of lighter materials. Thus, they are at a higher risk of sustaining damage.
Manufacturers usually build modular homes from smaller factory-assembled pieces. Builders then attach the modules to a foundation on site, much like a traditionally built home.
Manufactures assemble mobile homes off site for the most part, and builders then strap them to a foundation or piers.
Because modular homes are similar to site-built homes, they usually require a standard homeowners policy, not a mobile home policy.
Mobile home insurance can protect you financially from most of the major risks you face in Wyoming. It covers natural events such as fire, hail, strong winds, excessive snowfall and lightning. It also covers crimes like vandalism and burglary. The following are some of the most popular types of mobile home coverage:
Please note that mobile home insurance does not usually cover floods. Flooding is one of the most common disasters that destroy homes in the U.S., so it is a good idea to look into coverage. If your community participates in the National Flood Insurance Program, you can usually get an affordable flood policy for your home.
To find the best deal on manufactured home insurance quotes and coverage, you need to shop around. Independent agents right here in Wyoming can make it easy for you. The Trusted Choice® network has local, independent agents who can access many different insurance companies and find the right policy for you.
Contact an agent right in your area to get quotes and to get the affordable mobile home insurance you need.