Mobile Home Insurance in Fruitland, MD
Mobile home insurance is a crucial financial safeguard for owners of mobile and manufactured homes. It may offer financial aid in case of unexpected events that damage your property or lead to costly liabilities.
Can You Get Homeowners Insurance on a Mobile Home? 
While mobile homes don’t qualify for standard homeowners insurance, you can obtain specialized mobile home coverage, which functions similarly but is tailored to address the specific needs and risks of manufactured homes. Homeowners insurance policies assume that the structure is on a fixed foundation, while mobile home policies account for the different vulnerabilities of these homes. Some companies might offer an “extended policy” that includes additional financial protections often found in homeowners insurance, such as coverage for attached structures, porches or sheds.
How Does Mobile Home Insurance Work?
Mobile home insurance may provide financial protection for owners of mobile or manufactured homes. Unlike traditional homeowners insurance, mobile home coverage is designed to cover risks associated with mobile homes, such as susceptibility to weather damage, theft and potential accidents within the property. A policy typically covers three main areas: the home structure itself, your personal belongings and liability for accidents that occur on the property. It may also include coverage for loss of use if the home becomes uninhabitable due to a covered event.
How Much for Coverage?
Several factors impact the cost of your insurance. Insurers typically consider the following to calculate your premium:
- Mobile home’s location
- Its age and condition
- Your chosen coverage limit
- Deductible amount
- Claims history
Generally, mobile homes in hurricane-prone or high-risk areas have higher premiums. Insurers may offer discounts if you have safety features installed, such as smoke detectors or a secure foundation.
Secure a Policy Today
Get in touch with MANN & GRAY Insurance Associates to discover customized insurance plans that work for you. Contact us today for a free mobile home insurance quote.