A mobile home is similar to a conventional home in that insurance provides many different types of coverage. Mobile home insurance covers the structure of your home, as well as your possessions, and liability claims. Like homeowners’ insurance, mobile home insurance is designed to provide coverage for your home and your belongings. Our team at Peninsula Underwriters Insurance Agency is invested in helping Gainesville, FL mobile homeowners understand mobile home insurance.
What is Mobile Home Insurance?
Mobile home insurance provides coverage for your mobile home, personal property, and any other structures on your property. It also provides liability coverage as well as coverage if you’re unable to use or inhabit your mobile home. Mobil home coverage also includes any connected decks, garages, patios, or storage sheds. Your mobile home is also protected from damage that can occur as a result of theft and vandalism, as well as natural disasters like wind, hail, and fire. It should be noted that mobile home insurance is often a requirement if you live in a mobile home park. However, the state of Florida doesn’t require mobile homeowners to carry insurance, but a mobile home park or lender may require it.
I bought an old used mobile home. Do I need insurance?
Maybe. Not all insurance companies will insure a mobile home that was built before 1976. However, the rules and criteria will vary from one insurance company to the next. However, if you can get mobile home insurance, it may be a good idea to invest in it because it covers the repair or replacement of accidental damage to your home, personal items, and other structures on your property. Mobile home insurance can also cover vandalism, theft, and more.
If you think you could benefit from mobile home insurance, call us at Peninsula Underwriters Insurance Agency in Gainesville, FL. We’d be happy to help you explore your options.
