Mobile and Manufactured Home Insurance
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Get a Quote for Affordable Mobile or Manufactured Home Insurance Today!
Freeway Insurance offers competitive mobile or manufactured home insurance rates for your peace of mind. Whether you live in your mobile or manufactured home full- or part-time, you need a safety net to protect this investment against events that include:
- Fire
- Theft
- Wind
- Hurricanes
- Hail
- Visitor Injuries
- Water Damage (excluding flood)
Your mobile home insurance protects the structure, as well as personal belongings and other structures on land you own. Our agents are happy to help you today. You can get a mobile or manufactured home insurance quote online, give us a call or stop by one of our offices and receive a quote for low-cost mobile home insurance.
What is Mobile or Manufactured Home Insurance?
First, mobile homes and manufactured homes are the same thing. For a variety of purposes, the government calls a mobile home built after June 15, 1976 a manufactured home. As far as insurance goes, mobile and manufactured home insurance falls under its own category, known as HO7.
Typically, HO7 is the same as homeowners insurance or HO3, a Special Form policy, which is different from a regular homeowner’s policy in that the policy covers everything except what is listed. You’ll need to be vigilant to make sure the insurer you choose covers the things that are right for you.
At Freeway Insurance, we search available mobile home insurance plans for you so you can decide which best fits your needs and budget.
How Much Does Mobile or Manufactured Home Insurance Cost?
The average cost of a policy is about $1,000 per year. However, some policies are cheaper, and some are more expensive based on a variety of factors, including what kind of deductibles and limits you have chosen.
Other factors that can drive your premium higher or lower include the age of the home, where you live, the value of your home, and your history of making claims.
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How Much Insurance Do I Need For My Mobile or Manufactured Home?
Every situation is unique so how much home insurance you need on your mobile or manufactured home is dependent on several items, including how old your home is, how much your home is worth, how much the contents are worth and how much it would cost you to replace your home and property.
Most home insurance policies on mobile and manufactured homes will cover things like electronics and appliances, furniture and clothing, other structures and your legal fees if someone is injured on your property and takes you to court.
You can always add more coverage to protect other items in your home that might be expensive to replace, such as musical instruments and sports equipment. Most home insurance policies don’t cover expensive jewelry and antiques, but you can talk to your agent about adding that coverage, as well.
At Freeway Insurance, our agents are well-versed in helping you decide the type and amount of coverage you need.
Can I Get a Discount on My Mobile Home Insurance?
Freeway Insurance can help you find affordable mobile home insurance that fits your budget, but everybody likes to get a discount. Some of the ways you may be able to get a discount on your insurance include:
Bundling – When you insure multiple items through one carrier, you’ll likely get a discount. So, if you have a car, an RV, a boat or other insurable items, be sure and check for a multi-policy discount.
Improved Safety and Security – Installing items such as smoke detectors and alarm systems give your mobile or manufactured home a higher level of protection that could lead to a discount on your policy.
Automatic or Upfront Payment – Saving your insurance company on administrative costs by choosing autopay or paying your annual premium upfront can lead to a discount on your policy.
Most insurance carriers will work with you to earn your business in the form of discounts. Check with your agent to find out if you qualify.
Get Cheap Mobile or Manufactured Home Insurance Today!
Freeway Insurance is here to help you gain peace of mind with low-cost mobile or manufactured home insurance to protect your investment. You can get a quick quote online, call us at 800-777-5620 or visit us at one of our many locations.