Insuring a manufactured or mobile home can be costly. There are certain risks that exist with mobile or manufactured homes because they are built with light weight materials and are typically not built on a permanent foundation. Modular homes are grouped with mobile and manufactured homes by some insurers because they are factory built in pieces and then transported to the building site.
If you know where to look, you can find discounts on mobile, modular and manufactured home insurance policies. A local independent agent in the Trusted Choice® network is an excellent resource when you want to get all of your questions answered about mobile home insurance deals and discounts to meet your budget requirements.
If you follow these three tips, you are much more likely to earn deals and discounts on your mobile home insurance. Small changes and improvements to the security of your home and some strategic choices with your current insurance policies can help you save. Also, if you don’t file claims on your policy, your rates will not be nearly as high as if you’re filing frequently.
One of the most important things you can do to find mobile and manufactured home insurance discounts is comparison shop between several different companies. The first company you get quotes from is not necessarily going to have the cheapest premiums. Comparing quotes can be a time consuming process. However, if you work with an independent agent, your agent can get several competitive quotes from different insurance companies for you.
The following are some additional discounts you may qualify for. Not all of these discounts are available in every state, but these are some of the more common deals and savings available from companies that offer mobile and manufactured home insurance:
It is important to check with your Trusted Choice independent agent to find out what discounts you qualify for.
In addition to looking for discounts, there are several other things you can do to reduce your manufactured home insurance rates further. For example:
Note that research has shown that about two-thirds of homes are actually under-insured. An independent agent can work with you to make sure you have adequate coverage to protect your assets and your savings.
Online quotes for manufactured home insurance can help you save, and can help you efficiently comparison shop between several insurers. When you need help choosing the right company, or have questions about the best mobile home insurance for your situation, an independent agent can be a great resource.
An independent agent will get to know you, your home and your situation, and can make sure your insurance will adequately cover you. Your local independent agent can also look for discounts you qualify for to help you save money on your mobile home insurance.
Not all homeowners are alike, and not all homes are alike. Your Trusted Choice independent insurance agent will customize a policy to meet your needs and your budget. Your agent will make sure your insurance keeps up with the changing value of your home, and help you file claims if damage or loss happens. Contact an agent in your area today who can give you the best quotes and save you time and money.