Just like a traditional home or apartment, mobile homes need insurance. The risk is even higher in the case of mobile homes. As a mobile home resident, you are more exposed to natural hazards or disasters. These hazards may be but are not limited to:
- Hurricanes
- Tornadoes
- Wildfires
- Flooding
Mobile homes are common and affordable and often overlooked in hazard planning. The fact that these homes are smaller means that the risk of losing all your possessions in an incident is high. Apart from that, you cannot ignore the risk of theft. Therefore, it is important to protect your mobile home and your belongings within the home.
Another important point is that even though mobile home insurance is not required by law, you’ll still need coverage if you get a mortgage. With prices of mobile homes in Texas going over $100,000, you’ll probably need a mortgage to get one. This will cushion the risk of financial losses in the event of disasters.
The good news is that, with our help, you now have access to policies that can give you the coverage you need. At Hignojos Insurance Agency, we ensure that your interests are always at the forefront.
The policies available differ based on the kind of home you have. Even though the term “mobile home” is being used commonly, there is a distinction between “mobile homes” and “manufactured homes.” The distinction is made based on age. Homes tagged as “mobile homes” were built before June 15, 1976, while those that came after are recognized as “manufactured homes.”
Contact us today to get the best mobile home insurance coverage suited to your needs.
