From a distance, a mobile home insurance policy looks just like a standard homeowners policy. But when you get just a bit closer, you’ll see a few different little bells and whistles, and even some caveats that make it unique.
Mobile homes are usually created with totally different materials than today’s site-built homes. Since they’re created in a factory and then transported, the materials need to be much lighter. And you guessed it, they get damaged easier.
Mobile homes are also, more often than not, simply anchored into place, not built securely on a foundation. All it’ll take is for some big twister to come whippin’ through on its way to Dorothy’s house to damage, and potentially destroy, your home and leave you with nothing. Raise your hand if that sounds fun.
That’s why insurance companies offer mobile home insurance as a different type of policy from home owners insurance. The risks are different and the coverages that matter to a mobile home owner need to be more closely protected with the right coverages.
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