Mobile Home Insurance in New York

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Mobile home insurance, or manufactured home insurance, is absolutely crucial for owners of mobile or manufactured homes. It provides the coverage and protection you need for your mobile home, helping you to stay safe and get financial assistance if any unexpected accidents or disasters occur.

Plus, getting insurance for mobile home is really easy, and the process isn’t too dissimilar to insuring a regular home. Next Century Insurance can help to make the process even simpler, and our experts are ready to help you find the right mobile homeowners insurance to suit your needs. So give us a call today and get a free quote from the NCI team.

What Is Mobile or Manufactured Home Insurance?

So, what exactly is homeowners insurance for mobile homes? Well, as the name implies, homeowners insurance for manufactured homes or mobile homes is simply a type of property insurance that is designed for mobile properties. It can protect your mobile or manufactured home against a range of perils and dangers.

A mobile home insurance policy will provide coverage for things like fire and smoke damage to your mobile home, storm and wind damages, theft or vandalism to your property, and even cover you in case someone gets injured while visiting your mobile home. In other words, insurance for a mobile home can save you a lot of money if anything bad happens.

What Is Considered a Mobile or a Manufactured Home?

At first, terms like “mobile home” and “manufactured home” can be a little confusing, and it’s hard to know what kinds of properties these terms actually apply to. In general, you can get insurance on manufactured homes if your mobile home is a single-family property that was constructed entirely inside a factory environment.

That is the basic definition that is used by most companies when it comes to insurance for manufactured home. If you’re wondering about the difference between mobile and manufactured homes, it’s actually quite simple: the term “mobile home” is used for homes built before June 15 of 1976, while anything after that date is classed as a “manufactured home”.

Why Do I Need Mobile or Manufactured Home Insurance?

Having mobile home insurance won’t save your home from things like fires and other damages, but it will offer the protection and peace of mind you need to be able to cope financially, should a major incident occur. It gives you financial protection and assistance to help cover the costs that can appear when bad things happen at a mobile home.

So, if you’re hesitating about whether or not you need mobile homeowners insurance, it’s important to think about what you would do in the worst case scenario. If a fire happened and your manufactured home was destroyed, for example, would you be able to cope with those costs? If not, an insurance policy could be crucial for your future safety and stability.

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How Does it Work?

The way in which mobile home insurance works is similar to other kinds of insurance, and it’s very similar to standard homeowners insurance, in particular. The basics are as follows: the mobile home owner compares some quotes and picks a policy that suits them, and then they simply pay the premium each month or year to continue their coverage.

As long as you’re covered, you’ll be able to make a claim with your insurance company if anything happens at your mobile home, like an injury to a visitor, a fire that breaks out in the kitchen, or a bad hail storm that damages your roof. You’ll need to pay some of the costs (this is known as a deductible) and the company will help with the rest.

What Does Mobile or Manufactured Insurance Cover?

This will depend on the policy you choose. The best policies can cover the following:

  • Fire and smoke damage 
  • Storm and hail damage 
  • Theft and attempted theft
  • Wind damage 
  • Water damages 
  • Theft of possessions 
  • Injuries to visitors

What Doesn’t It Cover?

Again, this will depend on the policy, but many manufactured house insurance policies won’t cover the following:

  • Damage from earthquakes 
  • Flood damages
  • Damage caused by neglect 

Who Needs It?

Not sure if you need mobile home insurance? Well, if you own your own mobile home, it’s strongly recommended to insure it. There are lots of potential dangers out there and many things that can go wrong with a mobile home, potentially leaving you with thousands of dollars of bills to pay and nowhere to live. A good policy will cover you and help you move on.

Why Choose NCI?

It can be hard to find the right mobile home insurance policy, especially with so many insurance companies out there all vying for your attention and promising the best value for money and the highest standards of coverage.

That’s where NCI comes in. Based in Brooklyn and with years of experience in the insurance industry, NCI has an expert team who know exactly how to find the right insurance for each and every client. We’re ready, willing, and able to help match you with your perfect policy.

Get a Quote

Our friendly, professional team members are ready to learn about your situation and budget and work with you to find a policy for mobile home insurance that not only meets your specific needs, but also matches your budget. If you’d like to learn more, contact NCI today for a free quote.