Owners of mobile homes need specific insurance coverage, specifically for manufactured homes. Mobile home insurance policies are designed to cover unexpected events that could lead to significant financial losses. These include damage to the physical structure of the home and the risks associated with fire, specific types of storm damage, theft, vandalism, and accidental damage. They also can cover damage to or loss of your personal property and provide liability coverage to protect against lawsuits and claims.
Many people who own manufactured homes choose to customize their insurance to better match their situation. You may have added structures that need coverage, such as a porch, deck, shed, garage, workshop, or other structure. You may have concerns about guests or visitors being injured in your home. Your liability insurance brings protection against injury claims, up to set limits. But what limits should you have in place? It is always better to work with a local agency when buying mobile home insurance, as any such policy should be customized to match the individual situation.
At Shelby County Farmers Mutual Insurance Association in Harlan, Iowa, our local agents can come to your property and help you put the right insurances in place – and we always have an eye on the bottom line. We believe our clients should have the highest level of coverage at the lowest possible rates, from reputable providers that are known for treating their customers fairly. We look for discounts and new programs on the market, and whether you are eligible for savings by “bundling” your mobile home insurance with your other coverages. It is nice to know you have a local agent on your side! Call us today.