Buying a Manufactured Home? Mobile Home Insurance Companies in Fort Myers Provide the Right Coverage

Although manufactured or mobile homes are built in factories and moved to various locations, they’re not much different from site-built single-family dwellings. Whether a person lives in a mobile home seasonally or year-round, Mobile Home Insurance Companies in Fort Myers provide the coverage they need.

What Does a Mobile Home Insurance Policy Cover?

Insurance coverage for manufactured and mobile homes is similar to standard homeowner’s policies, covering the structure, liability claims, and personal property.

  • Contents and structure: If a home or its contents sustain damage from fire, theft, hail, or vandalism, the cost of replacement or repair is covered by a mobile home insurance policy. Other policies, known as ‘named peril’ policies, carry lower premiums, but they have less coverage as well.
  • Liability: Mobile home insurance policies usually have liability coverage, which may protect the owner if they or a household member are found liable for a guest’s property damage or personal injury.

A local insurance agent can answer questions and help homeowners find the right level of coverage.

Do Mobile Home Policies Cover Leaks?

Mobile home insurance policies cover leaks in some situations. For example, if a burst pipe causes damage, insurance may pay for repairs to the home or the family’s belongings. However, these leaks may not be covered if they’re due to insufficient maintenance. Most Mobile Home Insurance Companies in Fort Myers don’t cover flood damage, but separate flood policies are available through the NFIP (National Flood Insurance Program).

Other Important Considerations

A mobile home policy’s coverage limits are typically based on actual cash value, replacement cost, or stated amounts. The III recommends reviewing a stated value policy each year, as it may need to be adjusted based on the home’s current value. Furthermore, most standard policies do not cover homes that are in transit from one location to another.

Conclusion

When calling an agent about mobile home coverage, be sure to ask about available discounts. If a person already has other policies with the same insurer, they may be able to receive a multi-policy discount. Contact Us to learn about mobile home policies and other types of insurance coverage.

Sharing is caring!

shares