Mobile Home Insurance and the carriers

Submitted by Anonymous (not verified) on Mon, 12/21/2009 - 09:20

It seems there are a lot of problems associated with a mobile home, especially when you'd need to move it. Can you provide any information on Mobile Home insurance? If you know it, please let me know about the insurance carriers who'd offer it.

Posted: 23 Dec 2009 06:52 Post Subject:

Mobile home coverage is all about the personal liability and the physical damage coverage. I guess separate coverage options are available for rental your mobile homes than those you use for commercial purposes. Likewise you have specific coverage for mobile homes that are your private property or for those which are used seasonally.

Posted: 24 Dec 2009 06:08 Post Subject:

Yes, the physical damages could be caused due to fire, storms, hooliganism, robbery or falling objects. Any damages caused to your mobile home or its structures by such natural factors would be covered under the Physical damage coverage. The volume and worth of coverage may differ between policies and that's one good reason why you have to choose your policy very carefully.

Posted: 24 Dec 2009 06:37 Post Subject:

Two that come to mind are Foremost Insurance and Assurant Group. Assurant Group has several names under their Assurant Group Umbrella like American Bankers of Florida. Both Foremost and Assurant have websites to check out to see what coverage they offer. Most other carriers won't even touch mobile homes...wheels attached or not and with or without a foundation.

Posted: 29 Dec 2009 10:18 Post Subject:

Under circumstances when you're shifting your mobile home from one place to another your regular policy won't cover it. It would also not be covered under your regular flood insurance program. You may apply for the NFIP in case you're in a flood-prone zone.

Posted: 30 Dec 2009 07:36 Post Subject:

Hi,

Mobile home insurance would also offer you personal liability coverage. If someone gets injured by you or their property gets damaged by you, then they may file a lawsuit against you.

If you'd obtain additional liability coverage it might just help you under such circumstances. Just think of claims that may include hospitalization charges, loss of wages, physical sufferings as well as damages caused to property. Roddick

Posted: 30 Dec 2009 12:54 Post Subject:

mobile home from one place to another your regular policy won't cover it.



Sure it does.


It would also not be covered under your regular flood insurance program.



What specifically would not be covered?

Posted: 31 Dec 2009 07:42 Post Subject:

Juanita has shared her opinion regarding physical damage coverage up there.
Like in regular home insurance, damages caused by flood don't generally seem to be covered under the physical damage coverage. I didn't come across any clause stating such benefits.

I have a home owners policy which covers the home where I'm staying currently. This is not a mobile home. Do you think this policy will cover a mobile home that's in transit? I don't think so!

Posted: 31 Dec 2009 11:02 Post Subject: insurance

Just a question for everyone: I need to move in a few months. I'm moving from an apartment to a Mobile home. I don't own the Mobile home. Someone had recommended Renters Insurance (which, I found out, would be VERY cheap for me.) My Insurance Co recommended a '$20,000 coverage'. I know if I have a fire, etc., the it would be covered under Rental Insurance. What about if someone broke into the trailer and stole something...is THIS covered, as well?

Posted: 31 Dec 2009 04:17 Post Subject:

Do you think this policy will cover a mobile home that's in transit? I don't think so!



Infact it does cover transit or an option to cover beyond a standard policy

Just a question for everyone: I need to move in a few months. I'm moving from an apartment to a Mobile home. I don't own the Mobile home. Someone had recommended Renters Insurance (which, I found out, would be VERY cheap for me.) My Insurance Co recommended a '$20,000 coverage'. I know if I have a fire, etc., the it would be covered under Rental Insurance. What about if someone broke into the trailer and stole something...is THIS covered, as well?



There are a quite a few different options between the two. MH coverage, covers property detached or adjacent to the MH like a garage or car port, and even in some cases the actual property. Your personal belongings and personal liability. But a renters policy is only going to cover structure specific items and has limitations that would be covered under a MH policy.

Posted: 03 Jan 2010 01:27 Post Subject:

structure specific items and has limitations that would be covered under a MH policy.

Maybe I'm not understanding the explanation you're giving. A Renter's Policy DOES cover my personal belongings? Or..just the trailer, property, etc. that I am renting?

Posted: 06 Jan 2010 06:45 Post Subject:

I guess what Trench is trying to explain over here is that the renters policy will cover the things associated with the structure of the MH and it won't cover our personal things beyond certain limits. The MH policy will cover our personal belongings and liability beyond such limitations.

Posted: 07 Jan 2010 07:32 Post Subject:

There are certain situations wherein you may avail discounts while covering your mobile home. Insurance carriers would look for doors and windows which have been repaired or upgraded recently. This would reduce their risks to some extent.

If you're residing near a fire station, it might add to your advantage. Again, you'd get reduced rates if you're covering your mobile home with the same carrier that you have for your car. Roddick

Posted: 08 Jan 2010 12:37 Post Subject:

Maybe I'm not understanding the explanation you're giving. A Renter's Policy DOES cover my personal belongings? Or..just the trailer, property, etc. that I am renting?



Your renters insurance will cover your personal effects. Within the MH ins policy, items (somewhat limited to personal effects) that are tied directly to the structure will be covered. My wife's side of the family owns a manufactured home business. I will be seeing my brother-in-law today so I will ask him about the specifics.

Posted: 14 Jan 2010 09:21 Post Subject:

I will be seeing my brother-in-law today so I will ask him about the specifics.


It's great to have things clarified through someone you can reply on. We'll wait till we hear from you again in this regard.

Posted: 15 Jan 2010 07:03 Post Subject:

I guess there's a special group policy offered by the American Assoc. of retired persons. Probably it helps the senior citizens by reducing their MH insurance premiums. It also offers certain specific facilities for them.

Posted: 08 Jun 2011 10:56 Post Subject: damaged mobile home during move

My MH is a 1992 clayton that was is sound condition. Sure it needed painted but that is it. The company I highered to move the trailer put a big dent in side by running into trees also the back passenger side bumper/corner hit a big rock and has busted the wood. What options do I have about getting this fixed by the company. I gave him three hun down and was supposed to give him another three when trailer got delivered.. I did not give it to him casuse he has done more than three hun in damage. I dont even know if the company has insurance or not. Do you have any suggestions?

Posted: 08 Jun 2011 11:35 Post Subject:

File a claim with the company that moved your unit. If they have insurance, you will hear from their insurance company. If they don't, you won't hear anything and you'll have to sue in small claims court for your damages.

You'll need to document the damage and have estimates for the repair cost.

Posted: 23 Jun 2011 05:44 Post Subject:

What is the significance of word mobile in this term, does it is the policy which is applied to all the belongings of home.

Posted: 23 Jun 2011 03:33 Post Subject:

"Mobile" refers to the fact that the dwelling is not attached to a permanent foundation.

Add new comment

Restricted HTML

  • Allowed HTML tags: <a href hreflang> <em> <strong> <cite> <blockquote cite> <code> <ul type> <ol start type> <li> <dl> <dt> <dd> <h2 id> <h3 id> <h4 id> <h5 id> <h6 id>
  • Lines and paragraphs break automatically.
  • Web page addresses and email addresses turn into links automatically.