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

mobile home insurance

Mobile home insurance covers the following:

1. Your mobile home

Mobile home insurance protects your mobile home and other structures on your property that are not attached to it. It pays to replace or repair your mobile home after it has been damaged by fire, storms, vandalism, lightning, explosions, leaking pipes, or other incidents listed in your policy.

There are two types of coverage: replacement cost coverage and actual cash value coverage. Replacement cost coverage pays to replace your mobile home after it is destroyed. Actual cash value coverage also pays to replace your home after it’s destroyed, but only for its depreciated value.

Standard policies do not cover your mobile home while it is being transported, but you can purchase travel collision coverage if you plan to move it.

2. Your personal property

Mobile home insurance protects your personal property: clothing, furniture, appliances, electronics, tools, sports equipment, etc. It is worth replacing them after they have been damaged by the dangers mentioned above.

3. Your assets

Mobile home insurance protects your assets. Pays for someone else’s medical bills when you or your family hurt them unintentionally, and property damage bills when you or your family damage their property. It also pays court costs and legal fees.

cheap mobile home insurance

To get the best price on mobile home insurance, you need to get quotes from several different insurance companies. The easiest way to do this is to go to an insurance site where you can get quotes from multiple companies. All you have to do is fill out a simple questionnaire and wait for your quotes.

The best online insurance comparison sites only work with A-rated companies, so you don’t have to worry about not getting paid for a claim. The best of these sites offer money-saving articles and have an online chat facility so you can get answers to your questions from insurance experts (see link below).