Bigger isn’t always better. In fact, mobile homes offer a bunch of benefits, from cheaper utilities to lower taxes to refreshing cross-breezes in summertime. And the cherry on top: You can get discounts on your mobile home insurance, and it could be as simple as a quick ol’ phone call.
The truth is that everything from your job, to your car, to your marital status could save you money on your mobile home insurance. Our independent insurance agents can figure out the details for you and lower your bills so you can get back to the good things in life, like yard flamingo collecting.
But let’s talk just a bit about mobile home insurance discounts, what they are and how you get ‘em. Hold on tight, this is gonna be fun.
It’s simple, mobile home insurance discounts help lower your premiums. But most insurance discounts don’t work quite as easily as coupons. They’re more like little factors inside a humongous math equation that the insurance company uses to calculate how likely your home is to get damaged. The less likely damage is, the less you’ll pay.
It’s important to remember that not all discounts will be spelled out clear as day in your policy, even if they’re still saving you money. You’ll probably know if you’re getting a military or veterans discount, but you might not realize you’re getting a marriage discount, too. It’s all part of the magic of mathematics.
There are almost as many insurance discounts available as there are insurance companies, but they all boil down to these four types:
For the most part, it’s pretty easy. But certain types of discounts can be harder to get. Safety discounts can be a real bear because a mobile home’s size and construction makes it more vulnerable to fire and disaster. So chasing other discounts, such as bundling, group and loyalty, will typically lead to better luck.
Chances are you’ll get a few discounts automatically whether you ask for them or not. Many of these discounts aren’t explicitly spelled out in your policy and are based on things you can’t always control, like your location or credit score.
If you want to go beyond the automatic stuff, though, you can maximize your potential discounts by following these easy steps while you bargain-hunt:
Look, you’re busy. So why do all that hard work yourself? Our independent insurance agents stay on top of the industry and all the latest discounts so you don’t have to. That means they’ll help you find the right coverage for you at the right price.
They’re not just there at the beginning, either. If disaster strikes and you need to file a claim, they’ll be with you every step of the way, helping you meet deadlines and maximize your benefits. And who doesn’t want all that?