Manufactured Home Insurance
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Manufactured home insurance
provides coverage for your manufactured home, garage or shed, and your personal
belongings. It may also provide financial protection in case you unintentionally
injure someone or damage their property.
Having the right insurance
helps you protect one of your most valuable assets – your home.
Fire. Theft. Windstorms.
These are risks you face every day as a manufactured home owner. You are
also at risk in case someone gets hurt while at your home, or you accidentally
damage someone else's property.
Manufactured home insurance
offers peace of mind in knowing that your finances won't suffer if
unexpected events like these happen. |
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Do you have a mortgage
on your manufactured home? The financial institution that holds your mortgage
may require you to have manufactured home insurance.
Similar to conventional
home insurance, manufactured home insurance protects you in four basic ways:
- Enables you to repair/replace or
get actual cash value for your manufactured home usually depending on
age.
- Allows you to replace your personal
belongings if they are destroyed, stolen or damaged.
- Covers injuries that happen to
other people or their property while in your home.
- Covers your additional living
expenses if you're forced to leave your home because of a claim.
Before purchasing manufactured
home insurance, consider the following questions:
- What would it cost to replace your
manufactured home?
- What would it cost to replace
the contents of your manufactured home?
- Do you have an inventory and photographs
of your personal possessions?
- What kind of protection do you
have against liability claims?
- Do you have items that should
be insured with special coverage such as jewelry, cameras, collectibles
etc.?
- Does your manufactured home have a fire
extinguisher, deadbolt locks or other money-saving safety features?
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