Mobile/Manufactured Home Insurance
Protect your mobile or manufactured home with affordable coverage from Eagle Nation Insurance. Whether full-time or part-time, ensure your investment is safeguarded from unexpected events like fire, theft, wind, and hail.
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Get a Low-Cost Quote for Mobile Home Insurance Today!
If you’re looking for affordable mobile or manufactured home insurance, Eagle Nation Insurance offers competitive rates to ensure your peace of mind. Whether you live in your mobile home full-time or part-time, it’s essential to have a safety net that helps protect your investment from unexpected events like fire, theft, wind, hurricanes, hail, and visitor injuries.
Additionally, it covers water damage, though it excludes flood damage. Your mobile home insurance is designed to safeguard not just the structure, but also your personal belongings and any other structures on land you own. Our agents are always ready to help, and you can easily get a quote by visiting us online, giving us a call, or stopping by one of our offices for a low-cost mobile home insurance option.
What is Mobile or Manufactured Home Insurance?
When it comes to mobile or manufactured home insurance, it falls under a special category known as HO7 insurance, which is similar to homeowners insurance. The main difference is that it covers everything except for what’s specifically listed.
These homes are officially referred to as manufactured homes if they were built after June 15, 1976. When you choose the right coverage, it’s important to ensure that the insurer covers the things that matter most to you.
At Eagle Nation, we help you search for the best plans and decide which option fits your needs and budget. Being vigilant is key to making sure your mobile home is fully insured against possible risks, such as fire, theft, or weather damage.
How Much Does It Cost?
The average cost of a mobile home insurance policy is around $1,000 per year. However, the price can vary based on factors like the deductibles and limits you choose. The age of the home, its value, where you live, and your claims history can also affect your premium, making it either higher or lower.
How Much Insurance Do I Need For My Mobile or Manufactured Home?
The amount of insurance you need for your mobile or manufactured home depends on factors like the age of your home, its value, the worth of the contents, and how much it would cost to replace the home and property. A typical policy often covers electronics, appliances, furniture, clothing, and other structures, as well as legal fees in case someone is injured on your property. You can also add extra coverage for valuable items like musical instruments or sports equipment, but note that expensive jewelry and antiques may require additional coverage.
Can I Get a Discount on My Mobile Home Insurance?
At Eagle Nation Insurance, we aim to help you find affordable coverage that fits your budget. To further reduce costs, you might qualify for discounts by bundling multiple insurances, such as home and car. You can also get a discount for improved safety measures like smoke detectors and alarm systems. Additionally, opting for automatic payments or paying your premium upfront may lower your policy cost. Always check with your agent to see if you’re eligible for discounts.
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FAQ’s About Mobile/Manufactured Home Insurance
You are not legally required to have mobile home insurance by the state. However, if you financed your home with a loan, your lender may require you to have insurance to protect their investment. Even if it’s not mandatory, having insurance is highly recommended. If you can't afford to replace your home with your own money, it’s crucial to have insurance to protect your home.
The difference is mainly in the name. Mobile homes became known as manufactured homes after June 15, 1976. The insurance coverage remains the same for both.
Mobile home insurance can cover a variety of things depending on the plan. Coverage can include dwelling, other structures, and personal property. Additionally, it can offer liability, collision, and additional living expenses. Here's a quick breakdown of what each type covers:
- Dwelling: Covers damage to your home from events like fire, wind, hail, and other accidents.
- Other Structures: Protects structures like fences, sheds, or decks on your property.
- Personal Property: Helps repair or replace items like furniture, electronics, and clothing.
- Liability: Covers legal expenses if someone gets injured on your property and sues.
- Collision: Covers damages if your home is damaged during transit.
Additional Living Expenses: Pays for living costs like hotel stays if your home is uninhabitable.
A typical mobile home policy doesn’t cover flooding or earthquakes. You may need additional policies for these events. It also doesn’t cover infestations from animals or insects, or damage related to business activities. Wear and tear on the home or items inside it is not covered, as the policy only protects against sudden, unexpected events like theft or vandalism.
Eagle Nation made it super easy to get coverage for my mobile home. The quote was affordable, and their team answered all my questions clearly!