Mobile Home Insurance Basics

Mobile homes, also known as manufactured homes, are an inexpensive way to have a place of your own. Since they are slightly different than traditional homes, they require different insurance to protect them. Knowing which insurance policies to invest in to protect your mobile home can help to ensure that you and your assets are protected in case of any disaster.

Mobile homes are houses that are built in a factory, and then moved to the site that they will be installed. The Department of Housing and Urban Development issued the Manufactured Home Construction and Safety Standards Code in 1976 to ensure that all mobile homes that are built, meet specific safety requirements. Since the introduction of this code, mobile homes have become much safer.

Mobile home insurance will provide many of the same coverage options that typical homeowners insurance policies provide, including personal property coverage, dwelling coverage, and liability coverage. Mobile home insurance policies also have deductibles that need to be paid before the coverage will kick in, as well as specific coverage limits.

While buying mobile home can be less expensive than buying a traditional home, you may be left paying more for your insurance coverage because mobile homes are more susceptible to serious damage caused by storms, frozen pipes, and fire. Luckily, there are some ways to help keep save money on your policy, including:

• Properly insulate your home to ensure that you do not have to deal with frozen pipes during cold weather.
• Invest in a double wide mobile home instead of a single wide to help minimize damage that is done during a storm. Also make sure that your home is secured with ground anchors and tie downs.

For all of your mobile home insurance needs to protect your house, contact the insurance professionals at Martplan Insurance Agency in La Habra, California.