Capital Partners Insurance Agency, Inc

Call Us Toll Free

Call Us Toll Free

Mobile Home Insurance

If an individual possesses a mobile home or a manufactured home, they require a specific type of homeowners insurance. Mobile homes and manufactured homes are commonly considered to be synonymous. Mobile homes were constructed before June 15, 1976, while manufactured homes were built subsequent to this date. Fortunately, the same insurance coverage is available for both residential and commercial properties through Capital Partners Insurance Agency, Inc. Modular dwellings can be classified within the mobile home category, however certain units are deemed conventional residences and are eligible for coverage under standard homeowners insurance policies. If the individual is in possession of a modular home, it is advisable to get in touch with one of our designated personal line insurance representatives to facilitate a discussion regarding one’s property and to determine the most suitable insurance coverage for their specific needs.

Primarily, mobile home insurance offers protection for the mobile home and any adjacent structures, including but not limited to garages or sheds, against potential damage. The majority of damages are included under the coverage, with the exception of standard exclusions such as natural wear and tear, earthquake, earth movement, flood, or nuclear hazard. The Capital Partners Insurance Agency, Inc provides earthquake insurance as a standalone product. Information regarding the coverage can be accessed through the agency’s Commercial Lines and Personal Lines pages.

Furthermore, mobile home insurance may offer protection for the contents and personal possessions within a mobile home, contingent upon the level of coverage outlined in the policy. Initially, this insurance may not be perceived as critical; items such as couches, clothing, and stereo systems may not be perceived as highly valuable in comparison to a home. The cumulative expense of replacing these items simultaneously, such as in the aftermath of a burglary or a fire, can be substantial. This insurance policy provides coverage for the insured’s personal belongings both when the mobile home is located at its primary storage property and when it is away from the main storage property.

In conclusion, Capital Partners Insurance Agency, Inc provides personal liability options as an integral component of its mobile home insurance coverage policies. This form of insurance provides protection against legal claims that may be brought against individuals as property owners. Personal liability insurance serves to provide protection against such unforeseen events. It is a common concern for individuals to experience fear regarding the potential loss of their personal belongings and property in the event of a fire or tornado. Many individuals may find the prospect of being sued for personal bodily injury to be intimidating and financially burdensome. However, it is important to recognize that the potential costs associated with such legal actions can often exceed one million dollars. In this scenario, it is possible for one’s assets to be liquidated or for wages to be garnished. Consequently, personal liability insurance holds comparable significance to the insurance of tangible assets.

Capital Partners Insurance Agency, Inc provides an extensive range of personal mobile home insurance coverage options tailored to suit the needs of individuals and families. Our team of seasoned and proficient personal insurance plan representatives is ready to provide assistance and guidance in identifying the most suitable coverage for your needs. We are pleased to provide assistance and address any inquiries you may have, with the goal of identifying the most suitable, cost-effective, and comprehensive mobile home insurance coverage tailored to your and your family’s needs. We welcome you to contact us at your earliest convenience.