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Mobile Home Insurance Policy

Mobile homes are a cost effective and convenient home purchase. You can set your mobile home up just about anywhere, and should you decide to move, you can bring your mobile home to your new location.

As important as finding the best mortgage for your mobile home purchase is to find the most comprehensive and cost effective mobile home insurance. Mobile home insurance is very similar to basic home insurance. Most mobile home insurance policies include the following provisions:

• Covers your contents like clothes, furnishings, appliances if they become stolen, destroyed or damaged.


• Allows you to replace or repair your mobile home or get the actual cash value if the home is damaged or destroyed.


• Protects you from liability if other people become injured while in your home.


• Covers any additional living expenses you may incur if you are required to leave your home due to a claim (ex. if your mobile home is being repaired due to fire, your living expenses incurred would be covered).

Remember, every policy is different and it pays to be vigilant and to review all the fine print. If you plan to move your mobile home to various locations, look for a policy that will also insure your personal property while it is off site when you are traveling. Other points to consider are:

• Almost all insurance policies will have limits attached to things like bicycles, jewelry, electronics and watercraft. Take note of these limits and be sure you could replace those items within the limit. If you have an extensive jewelry collection for example, you might want to consider a special rider that would give you additional coverage.


• Consider who much it would cost you to replace your mobile home structure and the contents within it. It is important to have a realistic understanding of your belongings so that you are adequately covered in case you need to make a claim.


• Have you outfitted your mobile home with safety features like fire detectors, fire extinguishers, and deadbolt locks? These features may help bring down your policy costs.

It is important to shop around for your mobile home insurance policy. It is equally important that you compare potential policies and not just purchase the least expensive one. NII Brokerage is a boutique insurance firm that can help you navigate your mobile home insurance options. They have dedicated professionals who have the experience and expertise you need to get the best possible coverage for the best possible price. Call NII Insurance today to find out more about their mobile home insurance policies!