Having insurance for your home that fits your unique needs is vital in protecting what is often your biggest investment. We work with you to assess your needs and recommend the proper coverages for your individual circumstances. Whether you’re purchasing a home or shopping for a new policy we are ready to provide you with a free, no obligation quote to help you safeguard your home.

Work with a local agent today to choose coverage that works for your home and your needs.

Liability

A mobile home policy includes liability coverage. Similar to the liability coverage on your auto insurance policy, it’s there to protect you from financial liability, in the event of a mishap on your property. If someone gets hurt at your house, depending on the circumstances of their injury, they might want to sue you. Someone could trip and fall on your stairs or be bitten by a pet. Even good dogs can have a bad day, and dog bites are one of the most common liability claims. If you have a pool, your risk of liability goes up even more. Sadly, there are over 3,500 drownings in pools per year in America. It is important to have an expert to work with who understands your specific risks and needs when crafting your policy.

Dwelling

Mobile home insurance is specifically designed to cover manufactured homes, also known as mobile homes. These homes are typically built in a factory and then transported to their final location, where they are placed on a permanent foundation or on blocks. Mobile home insurance policies generally cover the same types of risks as a traditional homeowners insurance policy, such as damage to the home and its contents and loss of use.

Mobile home insurance policies may have some differences from traditional homeowners insurance policies. For example, they may have different coverage limits or exclusions, and they may require specific endorsements or riders to provide the same coverage as a standard homeowners policy. It is important to carefully review the terms of your mobile home insurance policy to understand what is and is not covered. Or, you can also speak with an agent and discuss your coverage options and make sure you have the protection you need.

What about Flood?

Like a homeowner’s policy, mobile home policies do not cover damage from flooding. When insurance companies talk about “flooding” what is meant is naturally rising water, from something like a hurricane or even heavy rain. If your washing machine overflows and fills your kitchen with water, that’s not a flood, as far as insurance is concerned, and would typically be covered by your policy as it is a loss arising from a “sudden and accidental” event, not a natural disaster.

Lenders may require you to carry flood insurance if you live in a certain area, such as a special flood hazard area. Whether or not it is required by your lender, flood insurance is a very important coverage to have for your home. It’s often less expensive than you might think, and can prevent a devastating loss. Most flood policies are underwritten by the National Flood Insurance Program, which is guaranteed by the federal government, and insures both your house as well as its contents from losses related to flooding.

What about contents?

The contents of your house can quickly add up to tens or even hundreds of thousands of dollars worth of clothes, furniture, electronics, appliances, and other belongings. Contents will be covered under your homeowners policy, under a specific section of the policy, and up to a certain amount. This is another reason it’s important to work with an agent when buying a homeowner’s policy, so you get this amount right. If you have a house full of expensive furniture, big screen TVs, designer clothes and exercise equipment, you might need more than the standard amount, or if you are more of a minimalist, then you might want less contents coverage to bring your premium down.

We know how to work with our clients to insure their homes and belongings to value, so they can be confident that the coverage they are paying for is what they need.

What isn’t covered?

Mobile Home polices do not cover certain things, as we have discussed. In addition to flood damage, and in some cases, wind and hail, here are the other common things excluded from a typical homeowner’s policy.

The first major one is earthquake damage. While earthquakes seem like they are rare, they are completely unpredictable, and have the potential to be very destructive. Charleston is located very close to the largest active fault line on the East Coast, and in 1886 experienced a severe earthquake that destroyed a large portion of the city and resulted in serious loss of life as well. The good news, is a separate earthquake policy is available from several different companies, with competitive pricing and several different deductible options.

Other things your standard homeowner’s policy won’t cover are home maintenance, or damage resulting from neglect, such as a slow water leak that has not been dealt with. Damage from termites, rodents, and mold are also generally not covered. Water and sewage backup is also not usually covered, although you can typically add an endorsement to your policy that does cover this specific risk.

Jewelry, firearms, furs, or other collections of expensive items, such as tools, collectibles, or sporting equipment are minimally covered, but if you have any of these items, you should talk to your agent about them when purchasing your policy, as you can typically add an endorsement to your policy for a higher coverage amount for these specific items. Alternatively, it might make more sense to just buy a separate policy for just your jewelry, or guns, for example. Your agent can help you decide what option is best based on your specific circumstances.