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About twenty million people live in manufactured homes instead of site built housing. This is a huge number and is believed to be growing. These homes are a less expensive alternative to traditional housing. They range in price from a few hundred dollars to two million. These are valuable investments for the people who own them. Getting the best mobile home insurance AZ agents can provide is important to protect them.
You shouldn't make the mistake of thinking you can get a standard homeowner's policy for manufactured housing. These homes are different in many ways from traditional homes. For one thing, they are considered personal property, not real estate. Manufactured homes can be moved. Moving one of them is not covered under your homeowner's or your automobile insurance. You may need to take out trip coverage to protect your investment when it is being transported from one site to another.
When you are putting your house on raw land, it may have to leveled before you can set the house on it. Living outside the city limits probably requires a septic tank, deep well, and electricity run to the site. While this is being done, your house is unlivable. You should consult your agent about the best way to protect the house during this time period. Calling the manufacturer for advice is another option.
A lot of the things a standard homeowners policy covers is also covered for manufactured homes. This includes what your agent may refer to as named perils. Named perils are such unforeseen events like theft, wind storms, water damage, and vandalism. They are specifically named in your policy. There are other events such as floods, mold, insect damage that must be added to a policy in order to be covered.
You need to talk to the agent about earthquake, flood, and hurricane coverage. Because most manufactured houses are restricted to locations outside city limits, they require septic tanks. You might need coverage for sewer backup. Manufactured houses are often used as cabins in wooded areas inhabited by bears, coyotes, bobcats, and wild boars. You can get protection from damage they might cause as well.
If you're buying a manufactured house to use as a second home or to rent out to others, your agent will need to know. He will probably come back to you with a quote that is different than if you were going to live in the house yourself full time. Personal property is covered with your policy. That is the property located inside your mobile home.
Another thing you might want to discuss with your agent is coverage for additional expenses which will help cover your costs if you have to find somewhere else to live while your house is being repaired. Matching siding coverage is something a lot of people don't think about, but you want all the siding to look alike in the event that a portion is damaged and has to be replaced.
Your house is a big investment no matter how humble. You need to protect it. Keeping it well insured, without paying too much for coverage, is one of the best ways to do that.
You shouldn't make the mistake of thinking you can get a standard homeowner's policy for manufactured housing. These homes are different in many ways from traditional homes. For one thing, they are considered personal property, not real estate. Manufactured homes can be moved. Moving one of them is not covered under your homeowner's or your automobile insurance. You may need to take out trip coverage to protect your investment when it is being transported from one site to another.
When you are putting your house on raw land, it may have to leveled before you can set the house on it. Living outside the city limits probably requires a septic tank, deep well, and electricity run to the site. While this is being done, your house is unlivable. You should consult your agent about the best way to protect the house during this time period. Calling the manufacturer for advice is another option.
A lot of the things a standard homeowners policy covers is also covered for manufactured homes. This includes what your agent may refer to as named perils. Named perils are such unforeseen events like theft, wind storms, water damage, and vandalism. They are specifically named in your policy. There are other events such as floods, mold, insect damage that must be added to a policy in order to be covered.
You need to talk to the agent about earthquake, flood, and hurricane coverage. Because most manufactured houses are restricted to locations outside city limits, they require septic tanks. You might need coverage for sewer backup. Manufactured houses are often used as cabins in wooded areas inhabited by bears, coyotes, bobcats, and wild boars. You can get protection from damage they might cause as well.
If you're buying a manufactured house to use as a second home or to rent out to others, your agent will need to know. He will probably come back to you with a quote that is different than if you were going to live in the house yourself full time. Personal property is covered with your policy. That is the property located inside your mobile home.
Another thing you might want to discuss with your agent is coverage for additional expenses which will help cover your costs if you have to find somewhere else to live while your house is being repaired. Matching siding coverage is something a lot of people don't think about, but you want all the siding to look alike in the event that a portion is damaged and has to be replaced.
Your house is a big investment no matter how humble. You need to protect it. Keeping it well insured, without paying too much for coverage, is one of the best ways to do that.
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