| There is a lot of misunderstanding about | | | | home. It can pay for medical expenses and |
| getting manufactured or mobile home | | | | costs associated with the injury. A good |
| insurance. A lot of people think that it is | | | | policy will also help pay for legal defense |
| difficult or even impossible to do. But the | | | | in the event that you are sued. It should |
| truth is, a lot of home insurance companies | | | | also cover damages made to the property when |
| now offer insurance coverage for your mobile | | | | the accident occurred. However, it does not |
| home. It is important that you do your | | | | cover injuries to you or your immediate |
| homework and become familiar with the | | | | family living in the home. |
| different types of policies offered before | | | | |
| you make your decision. Here are three tips | | | | To determine the amount of liability coverage |
| to help you in knowing what to look for when | | | | that you might need, think about how many |
| you are trying to find a mobile home policy. | | | | people will be in and out of your home on a |
| | | | daily basis. If you have teenagers that are |
| The three most important areas to be aware of | | | | always inviting friends over, liability |
| are personal property or your personal | | | | insurance is a must! It is important to try |
| possessions, liability coverage, and | | | | to make your home and property as safe as |
| insurance on the home itself and surrounding | | | | possible. Keep the porch and walkways in good |
| property. | | | | repair. Always have adequate lighting and |
| | | | keep your home free of excessive clutter. |
| A good manufactured home insurance policy | | | | |
| will offer protection on your personal | | | | Finally, make sure your mobile home insurance |
| possessions. Take a complete inventory of all | | | | policy not only insures your mobile home, but |
| your personal items. Include pictures of each | | | | also insures the surrounding property and out |
| item. Keep this list, as well as the pictures | | | | buildings. Have adequate coverage to give you |
| in a secure place that is not in your home, | | | | enough money to replace your home in the |
| such as a safety deposit box. | | | | event that something happens to it. |
| | | | |
| If your home is destroyed, you will need this | | | | Find a good policy that will cover things |
| list and pictures as proof of your personal | | | | like fire, storm damage, smoke damage, |
| possessions to get compensation. You could | | | | explosion and damage from vandalism. Nothing |
| trust your insurance agent with it, but it is | | | | is more frustrating or disheartening than to |
| better to keep a safe copy for yourself. This | | | | have a disaster, whether natural or man made, |
| may seem unnecessary to some, but if you ever | | | | wipe out your home, only to discover that it |
| have a serious claim situation you will be | | | | was not covered. |
| thankful that you took a few minutes and | | | | |
| followed this step. | | | | A manufactured home is your home. You need to |
| | | | have it covered just like any other home. |
| Secondly, a good insurance policy will | | | | Compare insurance companies and read all of |
| include liability insurance. Liability | | | | the fine print. Get everything in writing. |
| coverage protects you, the homeowner, if | | | | Then get the best deal you can on your mobile |
| someone gets hurt on your property or in your | | | | home insurance policy. |