Leigh Insurance Agency of St Augustine Blog
Mobile Home Insurance Explained
If you're reading this, chances are a mobile home is either your primary residence, has been at one time, or is a vacation property you want to protect. Homeowners and renters value their dwellings and possessions.
Whether you call your mobile home a trailer — whether it has four wheels on the ground or two axles — your dwelling is important to you. The stuff inside it also can be quite valuable as well. Yet, many people fail to get adequate protection for this significant investment.
You know that you need insurance, but you're unsure what coverage is available. How do you know how much insurance you need?
Mobile Home Insurance Coverage
Like any policy, a mobile home insurance policy can help you pay for repairs if your home is damaged or destroyed due to events like fire, windstorms, and vandalism.
Mobile home insurance or manufactured home insurance provides a variety of coverages with distinctive types of protection.
Structure or Dwelling Coverage
It can protect the actual dwelling of your manufactured or mobile home. That means the walls, the base, the roof, or the windows. It doesn't protect any personal belongings, though. Dwelling coverage typically covers the following:
Other Structures Coverage
For many people, it's not enough to have a roof over our heads. We also want something more — to revitalize the look of our house, add something extra for the kids, or maybe even make room for our ever-growing pile of junk.
An additional structure policy covers coverage like that, and it also provides coverage for things like fireplaces, porches, and garages.
Personal Property Coverage
It can help pay in case your items become damaged and stolen. Although personal property coverage is usually included in an insurance policy, there are limits to the amount of coverage provided by this insurance.
So, if you have high-value items that exceed your deductible, you may need to buy additional liability coverage to protect against the most likely losses.
Personal Liability Coverage
Liability insurance can be one of the most important types of coverage for your mobile home. It helps cover you for injuries or damage due to your actions. That should give you some peace of mind.
Medical Payments Coverage
Property owners know that small accidents happen at properties. The sooner they're reported, the smaller the bills are – and this coverage is a great way to cover those smaller medical bills.
Liability coverage protects guests and their loved ones if they are accidentally injured on your property, regardless of fault. Payments can go up to $5,000, so you don't have to worry about medical bills spiraling out of control while you try to figure out who is responsible.
What Is Not Covered By Mobile Home Insurance?
The types of damage that are not generally covered in mobile home insurance policies include:
The importance of mobile home insurance is often underrated. But it's a necessity! As more people move towards having their own homes, the need for proper coverage has also increased. Without it, your mobile home will not be covered in some important aspects. If you don't want to suffer from any loss, it would be ideal for getting this type of insurance cover.
At Leigh Insurance Agency, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (904) 826-0799. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.
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