Manufactured Home Insurance in Saint Peters, Missouri
Manufactured homes, which are also referred to as mobile homes, are significantly different than single-family homes in terms of necessary insurance coverage for proper protection. As such, there is a specific type of homeowners insurance policy designed to offer adequate protection for those who own manufactured homes.
The team at Cloverleaf Insurance, who serve homeowners across Missouri, Illinois, Ohio, Indiana and Wisconsin, can help you get the manufactured home insurance that you need. Don’t wait until it’s too late. Give us a call today at 800-530-5822.
What Is Mobile Home Insurance?
Hazards such as fires and vandalism are present in all homes. The goal of mobile home insurance is to help protect your property and cover the costs of these hazards if they were to occur in your home. It will help cover extreme financial losses related to unfortunate or accidental damage caused if something tragic happens.
Often, you will be required to have some coverage in the first place if you finance the mobile home upon purchasing it. However, it’s a good idea to get this coverage in any case, as it will help reduce significant financial losses.
What Does Mobile Home Insurance Cover?
Most mobile home insurance may offer several standard types of coverage, including:
Dwelling Insurance: This coverage will insure you for the replacement cost value of your home.
Detached Structures Insurance: Your policy can insure detached buildings on your property such as storage sheds, carports, fences and gazebos.
Personal Possessions Coverage: Damage to your belongings will be covered under this part of your policy.
Homeowners Liability Insurance: Should your mistakes or negligence harm someone else, this coverage can help you repay them. For example, if a neighbor falls in your home and then sues you, this coverage can pay for their recovery costs.
Loss of Use Coverage: After a hazardous household event, this coverage can help cover certain living expenses that arise if you must temporarily move out.
All policies will include deductibles and exclusions that might limit when they will provide reimbursement for damage claims. However, your agent can work with you to expand your policy appropriately so that you never have excessive gaps in coverage.
Please note: Your policy might not apply while you transport the mobile home. However, some insurers offer a coverage endorsement for physical damage sustained while the house is in transport. This endorsement can also extend to personal possessions in transit too.
How Much Is Mobile Home Insurance?
Numerous factors can influence the cost of your mobile home’s insurance policy, such as:
In the end, you need a policy tailored to fit your specific needs for your mobile home. Our agency is committed to helping you find that policy. We will guide you throughout the process and ensure that it is comprehensive and affordable. Don’t hesitate to call us at 800-530-5822 or request your policy quote today.