Commercial Lines Personal Lines Health, Life, Disability & Retirement

Mobile Homes

If you own a mobile home or a manufactured home, you need a special kind of homeowners insurance. Mobile homes and manufactured homes are essentially the same thing. Technically speaking, mobiles homes were built prior to June 15, 1976, and manufactured homes were built after that date. Luckily, we offer the same insurance for either here at BIA Insurance Agency. Modular homes sometimes fall into the mobile home category, but some are considered regular homes, to be covered by general homeowners insurance. If you own a modular home, please contact one of our personal line insurance representatives to discuss your property and decide which type of insurance best suits your needs.

First and foremost, mobile home insurance provides coverage for damage to the mobile home and to any adjacent structures, such as a garage or shed. Most types of damage are covered, except for common exclusions such as natural wear and tear, earthquake, earth movement, floor, or nuclear hazard. Earthquake insurance is offered by BIA Insurance Agency separately, and information on such can be found on both our Commercial Lines and Personal Lines pages.

In addition, mobile home insurance may also provide coverage for the contents and personal belongings in a mobile home, depending on the extensiveness of your coverage plan. This insurance may not seem important initially; after all, things like couches, clothing, and stereo systems do not seem very valuable when compared to a home. However, the cost of these things can add up if they all need to be replaced at the same time, for example after a burglary or a fire. This insurance is valid for your belongings when your mobile home is away from its main storage property, and when it is stored on the main property as well.

Finally, BIA Insurance Agency offers options for personal liability as a part of our mobile home insurance coverage policy plans. This type of insurance protects you from lawsuits that may be filed against you as a homeowner. Personal liability insurance protects you from these events. Most people tend to fear losing their own and possessions in a fire or tornado. This can be scary and obviously very costly, but most people forget that being sued for personal bodily injury can often cost much, much more, often in excess of one million dollars. In this case, your assets may be liquidated or your wages garnished. As a result, personal liability insurance is often just as important as insuring your physical property.

Here at BIA Insurance Agency, we offer a wide variety of personal mobile home insurance coverage options for you and for your family. One of our experienced and knowledgeable personal insurance plan representatives will be happy to assist you and to help you determine what type of coverage is best for you. We are happy and eager to answer all of your questions, and to help you find the best, most affordable and extensive mobile home insurance coverage for you and your family, so give us a call today.

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