Homeowners and MOBILE HOME insurance
HOMEOWNERS INSURANCE
If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way - unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
MOBILE HOME (MANUFACTURED) HOME INSURANCE
Mobile home or manufactured home insurance not only covers your mobile home; it can also cover:
- Detached structures on your property, such as a carport or garage
- Your personal belongings
- Living expenses if your home is seriously damaged by a covered loss
- Injuries that might occur on your property (up to the limits you choose on your mobile home insurance policy).
Mobile homes, manufactured homes, and modular homes are all eligible for coverage under a mobile home insurance policy.
HI Agency offers free, comparative quotes on Homeowners and Mobile Home Insurance from multiple insurance carriers so you can get the best possible rate.
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