Understanding the Benefits of Mobile Home Insurance
At Bryan Insurance Agency LLC, we acknowledge the significance of safeguarding your home in New Windsor, NY with the right insurance. In the array of home insurance forms offered by the industry, we will focus on the HO-7, explicitly designed for mobile homes.
Insuring Your Mobile Home
Once a mobile home—be it a single, double, or triple-wide—is transported to its final location, it loses its ‘mobile’ aspect and becomes your home. Most insurers mandate that mobile homes use tie-downs and skirting to protect against weather-induced damage and potential rodent issues.
The Core of HO-7 Coverage
Various home insurance forms offer coverage against different perils. A mobile home policy provides coverage similar to an HO-3 policy, a common choice for single-family homes. As per NJ.com, most mobile home policies include the following five types of coverage:
- Dwelling
- Other structures
- Personal property
- Liability
- Additional living expenses.
In addition to the above, an insured can opt for policy endorsements. These can be used to insure a specific item, like an engagement ring at full value, or cover unique needs, such as home business insurance cover.
Customize Your Mobile Home Insurance Today
The experienced team at Bryan Insurance Agency LLC can help you create a mobile home insurance policy that best fits your New Windsor, NY, home. Contact us today to learn how to apply for a home insurance policy and confirm that your mobile home meets the insurance criteria.
