Choosing Better Insurance

Standard homeowners insurance and mobile home insurance policies share a number of common features. For instance, both of these insurance products will cover damage to your home and personal property if they are damaged as the result of vandalism, fire, or severe storm. However, there are also some key differences between these types of policies. One notable difference is the type of add-on coverage options that can be purchased for each policy. This is because mobile homeowners have some truly unique needs that traditional homeowners do not. Below you can learn more about some of the additional coverage options offered and why you may want to consider adding these coverage options to your mobile home insurance policy.

Emergency Removal Coverage

Unfortunately, mobile homes can sometimes suffer far more significant damage in a severe storm than traditional homes due to their lack of a foundation. In the event that your mobile home is so badly damaged that it needs to be removed from the property, the costs associated with this removal will not typically be covered under your mobile home insurance policy. In order to avoid paying these costs out of your own pocket, you will need to add emergency removal coverage to your standard policy.

Landscape Damage Coverage

One of the key features that make mobile homes appealing to some people is the fact that they are indeed mobile. Along with this feature comes the fact that many mobile homes are located on property that does not belong to the same person that owns the home itself. Instead, individuals will simply pay a monthly lot rent for the right to park their mobile home on the property. For this reason, most mobile home insurance policies will not include coverage for the property itself. This includes the landscape surrounding your mobile home. If you have invested in trees, bushes, and other plants to add to the curb appeal of your mobile home, you will want to purchase additional coverage to ensure the cost of replacing this landscape will be covered in the event it is damaged or destroyed by a storm.

Trip Collision Coverage

If you frequently like to take advantage of the fact that your mobile home is mobile, you will want to strongly consider the addition of trip collision coverage to your mobile home insurance plan. This particular coverage option covers damage to your mobile home that occurs while it is being transported from one location to the next. In many ways, this particular type of coverage works just like automobile insurance for your mobile home.