Houston mobile home insurance is available from several companies.
This article has some tips to help you get the best policy for your needs.
The least expensive policies will often have the least amount of coverage so it is best to compare both price and features.
Most mobile home insurance policies will cover the main perils which include fire, windstorm, hail, explosion, vandalism, and collision from a vehicle.
(Windstorm may be excluded in costal areas).
This level of coverage will usually satisfy the requirements of the mortgage company if you have one.
If you decide to get a basic policy it is important to at least insure the home for what it would cost to replace.
A choice of deductibles may be available; a range from $250 to $1,000 is typical.
It is advisable to get a policy with more coverage, even if the cost will be higher.
I suggest getting a policy that also includes liability, personal property coverage, and water damage from bursting pipes.
For the liability coverage there will usually be options to get $25,000 to $500,000 in coverage.
Discuss this with your agent; it is very inexpensive to get a higher level of this coverage.
For personal property the standard valuation is called "actual cash value".
With that option you would be paid the depreciated value of property that is destroyed or stolen.
For an additional charge that is usually about $50 per year you can upgrade to "replacement cost".
With that option you would be paid for the cost of new property.
It is also advisable to have flood coverage but that normally requires a second policy.
Some policies will have a discount if you get a package of coverage's and that is a good way to save.
You may also get a discount if you insure your auto with the same company that you get the home policy with.
Be sure to review all the options and coverage's the policy you select has.
Texas residents can call my office for more information at 281-537-2700.
Or you can visit our Texas Mobile Home Insurance website.
This article has some tips to help you get the best policy for your needs.
The least expensive policies will often have the least amount of coverage so it is best to compare both price and features.
Most mobile home insurance policies will cover the main perils which include fire, windstorm, hail, explosion, vandalism, and collision from a vehicle.
(Windstorm may be excluded in costal areas).
This level of coverage will usually satisfy the requirements of the mortgage company if you have one.
If you decide to get a basic policy it is important to at least insure the home for what it would cost to replace.
A choice of deductibles may be available; a range from $250 to $1,000 is typical.
It is advisable to get a policy with more coverage, even if the cost will be higher.
I suggest getting a policy that also includes liability, personal property coverage, and water damage from bursting pipes.
For the liability coverage there will usually be options to get $25,000 to $500,000 in coverage.
Discuss this with your agent; it is very inexpensive to get a higher level of this coverage.
For personal property the standard valuation is called "actual cash value".
With that option you would be paid the depreciated value of property that is destroyed or stolen.
For an additional charge that is usually about $50 per year you can upgrade to "replacement cost".
With that option you would be paid for the cost of new property.
It is also advisable to have flood coverage but that normally requires a second policy.
Some policies will have a discount if you get a package of coverage's and that is a good way to save.
You may also get a discount if you insure your auto with the same company that you get the home policy with.
Be sure to review all the options and coverage's the policy you select has.
Texas residents can call my office for more information at 281-537-2700.
Or you can visit our Texas Mobile Home Insurance website.
SHARE
