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February 5th, 2009

What Does Mobile Home Insurance Cover?

Even when your mobile home does not move, it will not be fixed to the same sort of permanent foundation as a regular home in a neighborhood. But in this ase, you need to consider your mobile home as a residence or object that you store.

So the best mobile home insurance for you will cover a variety of risks.

When you cover your mobile home, think about your unique situation:

Is your mobile home parked most of the time, or is it on the road?
Do you need a specific mobile home policy, because that is your primary residence?
Can you purchase a rider for your homeowners policy or an umbrella policy?

What should be obvious here is that coverage needs will vary by use. If you use your motor home as a primary residence, you will need one sort of mobile home insurance. If you actually take it out to travel, you will need to cover that risk too.

If you live in your mobile home, but also take it out on the road to travel, you are in a different situation. Think about this. If you wreck your normal family car, you may be without transportation. But you still have a home to live in. If you wreck the mobile home that is your primary residence, you could lose transportation and your home!

So consider this before you buy mobile home insurance:

If you leave your mobile home parked by your residence, you may just need storage insurance.
Do not transport, or drive, your mobile home without insurance. You risk losing thousands of dollars if is damaged on the road. You also risk much more if your mobile home is involved in an accident, and you are held liable for property damage or injury to somebody else.

How To Find The Best Mobile Home Insurance For You

In any case, it is best to find a policy that covers your own specific situation. Online mobile home insurance quote forms can make it very easy to shop around. You can get quotes online or find a qualified insurance agent in your area to help you.