So, you’ve just become a homeowner and you’ve been hearing a lot of big talk about the importance of home insurance. But what if you don’t really know what that means? Don’t fret, most of us are in the same boat! If your main questions sound something like, “What is home insurance for, and do I really need it?” then we’ve got the answers.

Mobile, manufactured or modular home insurance is very similar to site-built homeowners insurance with just a few more bells and whistles. This is the insurance policy that may protect you from financial losses if your home or possessions and certain other aspects are affected in the event of a disaster. But remember, what your plan protects may vary by which policy you have.

It may also be helpful to distinguish mobile, manufactured and modular homes. Mobile homes were constructed prior to June 15, 1976, before the HUD Manufactured Home Construction and Safety Standards were enacted, creating construction, safety and energy codes to follow. Prefabricated homes built after that adhere to those standards and are categorized as manufactured homes. Modular homes, like manufactured home, are built in indoor facilities and delivered to the home location, but modular homes follow state and local building codes.

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Protect Your Mobile Home Investment with Insurance

Making sure you have the right coverage is the best way to protect your investment. There are many homeowners insurance companies and options available throughout the United States. When looking for the mobile, manufactured or modular home insurance policy that best fits your needs, consider whether to include the following protections in your policy:

When searching for insurance coverage, also be sure to look into policies that include coverage for flood and earthquake damage and personal liability coverage, as these are not always included. However, these risks are covered in mobile home insurance policies offered by HomeFirst®

Coverage is subject to deductibles and exclusions listed in the policy.  HomeFirst’s policies are underwritten by American Bankers Insurance Company of Florida (In MN – American Security Insurance Company), a business of Assurant Specialty Property, an Assurant, Inc. business.

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How Much Mobile Home Insurance Costs

Several factors can influence the premium you pay for the coverage of your home, and the prices range depending on your chosen company. Here are some details your insurance company may consider:

How Insurance Can Benefit You

No one anticipates that something unfortunate might happen to their home, but if your home is damaged or destroyed in an incident covered by your policy, it’s comforting to know that home insurance is there to help. There are many things a homeowner can do to protect their home, but natural disasters and accidents may still happen and can cause thousands of dollars in damage to your home. Without home insurance, replacement and repair costs could really put your finances in a bind. Don’t let damage to your home cause damage to your budget.

In addition, homeowners often think of insurance as just protecting their home, but did you know that if someone gets hurt at your house, home insurance may help with that too? So, what are you looking for in homeowners insurance? The right coverage for your home and an insurance agency that is devoted to providing you with friendly, helpful service? That’s what HomeFirst® is all about and more! We’re a leading insurance agency that’s been in business for over 20 years. With the coverage you need, helpful service and awesome tips along the way, we would love to help you find the best insurance policy for you and your family!

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