Mobile Home Insurance - Fire And Security Matters
By Brian Stevens

Mobile homes are fragile structures and are especially vulnerable to damage from wind and fire.

Typically damages to a mobile home structure far exceed damage to surrounding traditional home structures when disaster strikes.

You will want to make sure you have the best coverage you can comfortably afford.

As with traditional home insurance your policy can contain coverage for fire, wind and hail, as well as loss of use. Home servicing and recreational vehicles such as atv's can also be covered under a Mobile Home insurance policy.

Mobile Homes can be insured for owner occupied primary residence as well as Rented Mobile Homes, or Tenant occupied homes.

Mobile Home Renters Insurance

As a tenant, Your possessions are not covered by your landlord’s insurance, so if you don't have renters insurance you could lose everything you own.

Renters insurance policies for a mobile home are very affordable, usually only a couple hundred dollars a year or less. To make sure you're getting the best price, it's a good idea to comparison shop for your policy by going to an insurance comparison website.

You'll fill out a simple online questionnaire with information about yourself and your insurance needs. Once you submit the questionnaire, you'll receive quotes from multiple A-rated insurance companies and you can choose the cheapest one.

To keep your premium as low as possible, set your deductible as high as you can afford. With a high deductible, you'll pay more toward any claims, but your premiums will be much less.

The insurance may also include loss of use coverage, which will help with living expenses if the mobile home is damaged and you need to live elsewhere while it is repaired. If this coverage is not automatically included, you may be able to purchase it for a small extra cost.