Every homeowner needs the right insurance policy, and mobile homeowners are no exception! If you’re the proud owner of a mobile home, modular home, manufactured home, or Park Model Home, you may have had some trouble finding a policy that is appropriate for your needs. So, how can you find the right manufactured home insurance policy? There’s no simple answer—every homeowner’s situation is different. Here are a few tips to help you find the best mobile home insurance policy to fit your needs.

Look For A Specialty Carrier

When you’re looking at different home insurance providers, you may notice that most of them do not specialize in mobile home insurance—which means that the policies they would provide to you would not be tailored to the needs of mobile homeowners. In most cases, specialty carriers focusing on mobile and manufactured home insurance will provide the best policies.

Consider The Age And Location Of Your Home

The specific nature of your mobile or manufactured home should also be considered. If you own an older home, finding a mobile home insurance provider that will give you a fair policy may be more challenging. You also need to consider your home’s location. If you live in an area that is vulnerable to natural disasters, such as flooding or severe storms, you’ll need to find an insurance policy that can account for your needs.

Don’t Forget To Check The Provider’s Rating

The purpose of buying manufactured home insurance is to ensure you are covered in the event of a loss, so it’s important to understand how any claims you make will be processed and settled. Insurance providers that work with specialized mobile home adjusters and contractors will be able to provide a claims process that won’t add to your stress and worries during an already difficult time.

Understand How Claims Will Be Settled

Where you live will influence this decision greatly. If you live in an area with extreme, wet weather, getting a separate flood policy and protecting against water damage is probably a good idea. In fact, your mortgage lender might require you to do so. Flood insurance is sometimes included in your manufactured home insurance policy, but not always. It’s always a good idea to review this with your agent.

By following these tips and selecting the right insurance provider, you can enjoy peace of mind knowing your mobile home is adequately protected, ensuring you’re covered when needed. Don’t hesitate to consult with your insurance agent to discuss your unique needs and find the perfect policy for your manufactured home.

If you’re looking to get started, National Mobile Home Insurance is here to help guide you »