Manufactured homes provide an attainable housing option for many homeowners, and like traditional residences, they need insurance to protect against risks such as fire, theft, water damage, mold and other unexpected events. The good news is that there are smart ways to mitigate your insurance premiums without giving up the coverage you need. Taking the time to understand your options can lead to meaningful savings while keeping your home well protected.
Rates can vary widely, so it pays to look at insurers that specialize in manufactured or mobile home coverage, as they often offer policies designed specifically for your homes. Consider Manufactured Housing Insurance Services (mhis.info) and California Southwestern Insurance Agency (csia-ins.com) who are two noteworthy providers who specifically offer mobile home insurance. One of the most effective ways to save is by shopping around and comparing quotes from multiple insurance providers.
Working with an independent insurance agent can also be helpful, as they have access to multiple companies and can guide you toward the best coverage at a competitive price. Additionally, consider structuring your policy to fit your situation—bundling home insurance with auto or life insurance, raising your deductible if you have emergency savings, and reviewing your policy annually to ensure you’re not paying for coverage you no longer need.
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Source: Insurance.com
