The Way to Get Cheap Mobile Home Insurance

Though mobile home insurance is similar to homeowners insurance, there are some differences you should to be aware of when shopping for insurance quotes. Here's what mobile home insurance covers, plus information on how to get a cheap mobile home insurance policy.

Homeowner’s insurance and mobile home insurance are quite similar in that they are designed to protect your home but they do have some discernable differences you should be aware of when you look for a policy.  Here is a short list of things mobile home insurance covers:

1. The Mobile Home

You’ll have protection for your mobile home and the structures you have that aren’t attached to it with a mobile home policy.  This will pay to replace or repair your mobile home in the event of fire, vandalism, lighting, storms, explosions, plumbing issues, and other issues that will be listed in your policy.

You’ll have a choice between cash value and replacement cost coverage.  Cash value coverage will pay you out for the depreciated value of your mobile home in one lump sum.  A replacement cost coverage policy will pay you out the amount needed to fully replace everything.

You’ll find that you will need to add collision coverage to your policy if you want coverage during transportation since standard policies don’t cover this.

2. The Contents of Your Mobile Home

You will have, included in your policy, coverage for your belongings over and above the replacement value of the mobile home itself.  This includes appliances, electronics, clothing, tools, furniture, sports equipment, and so on.

3. Third Party Coverage

You will have third party protection that will cover you in the event you are sued for someone else’s medical expenses if they are injured in and around your mobile home.  You will also have coverage for court costs, legal fees, and damages you or your family may cause.

Mobile Home Insurance on the Cheap

Quotes are the key when you’re in need of cheap mobile home insurance.  If you want to make the quote process as easy as possible you will need to find an insurance site that does multiple quotes from a variety of companies.  Simply fill out short questionnaires and wait a short time for multiple quotes.

You are not obligated to sign a contract with the companies you get quotes from online.  They are merely quotes that estimate how much your policy will cost in the end.  You generally don’t have to worry about researching the companies used by these comparison sites online since they usually only work with insurers that have A ratings.  You will get top quality quotes from top quality companies with zero obligations!