Mobile home insurance coverage is critical for "tiny" house owners that resemble mobile trailers capable of moving to various areas. Mobile, manufactured, and modular homes fall under the mobile property category, including boats and recreational vehicles.
Typical Coverage
Here is the basic coverage of most mobile home insurance providers for properties like yours and those that Miller Office Trailers provide.
Physical Damages
Damages from natural disasters, enraged animals, pipe burst damages, fire, and other acts of environment receive full coverage.
Liabilities
If neighbors, pedestrians, vehicles, and other parties suffer damages due to your mobile home's condition, insurance can reimburse them for their troubles.
Loss of Use
Once your mobile home suffers enough damages making it unlivable, you'll receive fuel and hotel stay reimbursements. In addition, some premium insurances will give you a like-for-like property afterward.
Contents
Mobile home insurances can replace select or all contents that suffered damages during the destructive event.
Usual Mobile Home Insurance Costs
Most mobile home insurance packages can cost about $500 for basic benefits. On the other hand, premium packages can cost about $1,000 and above, including a comprehensive and "complete" replacement package.
Mobile Home Insurance Price Factors
Coverage
Premium insurance policies strive to provide you with "complete" replacements. For example, once your mobile home qualifies for loss of use, the insurance company will give you hotel and gas reimbursements while you wait for them to give you a replacement mobile home.
Deductibles
Some mobile insurance policies give you lower regular premiums to pay, but it means you'll pay more amounts out of pocket once an accident happens. In addition, the amounts you pay by yourself during these situations are deductibles, which can leave you exposed to financial difficulties even if your policy gives you coverage.
Local Area
Insurance policies for mobile homes can be affordable or expensive, depending on your location.
Our Mobile Trailers Are Always Insured
Miller Office Trailers have been manufacturing and supplying the best mobile residences and offices for more than 70 years. Contact us today to learn more about our products and services!
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