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Manufactured Home Insurance: We Shop - You Save
We quickly compare rates on Manufactured Home Insurance to find you the best coverage at the lowest rates. Call us at 1-800-771-7758 during business hours or fill out the online quote form.
SkyBlue Insurance
You Need It, We've Got It!
SkyBlue Insurance is an authorized representative for some of the top Manufactured Home Insurance Coverage providers in the nation. We can find you amazing rates for your business. Some of the carriers we represent include:
Understanding Manufactured Homes
Defintion & Types
Manufactured homes, often referred to as mobile homes, are prefabricated structures built in factories and transported to their intended sites. Unlike site-built homes, which are constructed entirely on location, manufactured homes are assembled in a controlled environment, ensuring consistency and efficiency. There are several types of manufactured homes, including single-wide, double-wide, and multi-section homes, each varying in size and layout.
Differences Between
Manufactured, Mobile, and Modular Homes
It is crucial to differentiate between manufactured, mobile, and modular homes. Manufactured homes are built according to HUD standards established in 1976, ensuring quality and safety. Mobile homes, on the other hand, refer to those built before 1976 without standardized regulations. Modular homes are prefabricated like manufactured homes but are constructed to local building codes and are often indistinguishable from traditional site-built homes once assembled.
Types of Home
Insurance Coverage
Dwelling Coverage
Dwelling coverage protects the physical structure of your manufactured home, including the walls, roof, and foundation. It covers damage caused by perils such as fire, wind, hail, and vandalism. This coverage is essential for ensuring that your home can be repaired or rebuilt in the event of significant damage.
Liability Coverage
Liability coverage protects you if someone is injured on your property and decides to sue. It covers legal fees and medical expenses resulting from the injury. This coverage is crucial for protecting your financial assets in case of a lawsuit.
Additional Living Expenses (ALE) Coverage
If your manufactured home is rendered uninhabitable due to a covered peril, ALE coverage helps pay for temporary living expenses. This can include hotel stays, restaurant meals, and other costs incurred while your home is being repaired or rebuilt.
Other Structures Coverage
Other structures coverage protects additional structures on your property, such as sheds, garages, and carports. This coverage ensures that these structures are also covered in case of damage from a covered peril.
Some of the providers we represent include:
* Safeco Insurance
* Farmers Insurance
* Allied Insurance
* Nationwide Insurance
* Foremost Insurance
Factors Influencing Insurance Costs
Location
Liability coverage protects you if someone is injured on your property and decides to sue. It covers legal fees and medical expenses resulting from the injury. This coverage is crucial for protecting your financial assets in case of a lawsuit.
Age & Condition
Older homes or those in poor condition may have higher insurance premiums due to the increased risk of damage. Regular maintenance and updates can help lower insurance costs by ensuring that your home remains in good condition.
Safety Features
Homes equipped with safety features, such as smoke detectors, fire extinguishers, and security systems, may qualify for discounts on insurance premiums. These features reduce the risk of damage and theft, making your home less costly to insure.
Manufactured home insurance is essential for protecting your home and personal property from various risks. Understanding the different types of coverage, factors influencing costs, and how to choose the right insurance provider can help you make informed decisions. Regularly reviewing and updating your policy ensures that you have adequate protection as your needs change.
If you have any more questions, give us a call at 1-800-771-7758 today. If you’re ready, go online now and request a free Manufactured Home Insurance Quote for instant results.
Manufactured home insurance FAQ's
- Yes, manufactured homes require specific insurance policies tailored to their unique risks and construction.
- Typically, flood damage is excluded. Separate flood insurance is needed for flood-prone areas.
- Yes, many insurers offer discounts for safety features, bundling policies, and other factors.
- Review the denial letter for the reason, and if you believe it is incorrect, contact your insurer for clarification. Consider appealing the decision or seeking legal advice if necessary.
- Annually, or whenever there are significant changes to your home or personal circumstances.
Manufactued Home Insurance
Modular Home Insurance | Manufactured Homeowners Insurance | SkyBlue Manufactured Home Insurance
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Phone: (800) 771 – 7758
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This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed.
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This website is operated by SkyBlue Insurance Agency, Inc., an independent insurance agency. We are licensed to quote and sell Nationwide Insurance products. This website is provided for informational purposes only. While reasonable efforts have been made to ensure that the content is accurate, we make no representations as to the accuracy of availability of coverage. Matters pertaining to coverage are governed solely by the insurance policy issued to you.
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