Mobile Home Insurance
Mobile Home Insurance
Mobile homes and other manufactured dwellings provide an affordable, high-quality housing alternative to people across the country. Also called trailers, mobile homes are built on a chassis with tires and wheels ready for use on highways; this allows the homes to be transported from the site of their construction to their permanent location. Foundations for these homes can be built in a variety of places, making them one of the most versatile housing solutions currently available. Because mobile homes are unique structures, it makes sense that they are best served by insurance products tailored especially to their features. Mobile home insurance shoppers will find that Bolt Insurance has coverage solutions that are perfectly suited to the specific features that characterize these particular houses. Working with an agency that understands the concerns of mobile home owners is a great way to ensure that you will be connected with the most accurate and appropriate mobile home insurance quotes. This is just one of the reasons why more mobile home owners choose to shop with Bolt Insurance.
What Does Mobile Home Insurance Offer to Policy Holders?
In addition to the general peace of mind that comes from having great insurance coverage, a mobile home insurance policy covers many important features of your dwelling. Like any other homeowner’s policy, it protects your belongings against theft and damage by smoke, fire, accidental water damage, lightning strike, and other natural disasters; earthquake and flood protection may also be avaiable. Unlike general homeowners’ policies, a mobile home policy is designed to reflect the particulars of manufactured homes; this ensures that you are never paying more than you need to for the right kind of coverage.
A mobile home policy is developed to address the concerns that affect manufactured home owners in particular. Never settle for a form of coverage that was not developed with your needs in mind. Picking the wrong policy can result in problems later on. You may find that you lack appropriate coverage for your belongings and have to shoulder more of the financial burden yourself as a result. Speaking with an agent at your nearest Bolt Insurance agency is a great way to discover just how a mobile home policy protects you.
What Kind of Policies Are Available?
You can always be sure of finding a standard mobile home policy from Bolt Insurance. This covers the concerns describe above in addition to guest medical. This particular line of coverage protects you in the case that your guests are injured by tripping in the hallway or bumping their head on a hanging lamp. Your insurance can cover the cost of your guest’s medical expenses so you do not have to shoulder the cost yourself.
Not every policy is built the same; a variety of homeowner policies are available to people who own trailers and other forms of manufactured homes. These are just some of the types of coverage that can be found:
- Home structure dwelling – this addresses the home structure specifically
- Other structures – including carports and storage sheds
- Liability protection – protects against effects of legal action taken against you by someone injured on your property
- Personal property – covers belongings inside your home and some instances of belongings stolen outside your home
The personal property line of coverage is especially important to people who own valuable electronics, computers, laptops, video game consoles, smart phones, tablet computers, and other items. Whether these are used for recreation, keeping in touch, or are part of your job, they need to be protected from theft. If these items are stole, your personal property coverage can help with the cost of replacement. This line of coverage also extends to cover the theft of personal belongings outside of your home; your agent can tell you more details about this coverage and how it functions.
Liability protection is important because it provides a financial resource should anyone on your property sustain injury. This includes personal guests as well as pedestrians and passersby. For instance, someone stumbling and falling while walking across your yard could potentially bring suit against you; your homeowner’s policy can help protect you from being personally financial liable for the person’s medical treatment. Accidents can always happen, so it is better to be prepared for this eventuality than to be taken by surprise.
Other Forms of Coverage Especially for Mobile Home Owners
Standard homeowner policies cannot address the concerns that arise from transporting a manufactured home from the build site to its final location. A mobile home policy can! Trip collision coverage insures your home even during transport from the factory. This gives you peace of mind to know that your home is protected from the very start of its life. The road can be a dangerous place for anyone and there are many potential risks that face a manufactured home during transportation.
People who own expensive jewelry, furs, watches, and other specialty items may find that the general protection of a standard policy does not provide adequate coverage. In this case, homeowners may opt for a form of extended coverage. Increasing the coverage limit is an especially good idea for people who work from home and use important items like specialized computer equipment or power tools.
Coverage for a person’s business pursuits can also be added to a standard policy. Although only a specific variety of career pursuits are applicable for this particular kind of policy, people like school teachers and clerical workers can find this line of coverage very helpful. Speak with your insurance agent to learn more about business pursuits coverage and how this might apply to your personal circumstances.
Finally, identity restoration coverage is another helpful line that can be added to a standard mobile home insurance policy. This provides protection and support in case your identity is ever stolen. This is an unfortunately common crime that affects millions of people each year; identity theft can have serious consequences for the victim. You deserve the support that only insurance can provide; consider adding this line of coverage to your standard policy.
Your First Source for Insurance
Bolt Insurance helps people just like you experience a higher degree of protection thanks to our comprehensive policies. We have designed policies especially for mobile home owners. You can get mobile home insurance quotes online or by calling a Bolt agent.