I bought an old used mobile home. Do I need insurance?

A mobile home is similar to a conventional home in that insurance provides many different types of coverage. Mobile home insurance covers the structure of your home, as well as your possessions, and liability claims. Like homeowners’ insurance, mobile home insurance is designed to provide coverage for your home and your belongings. Our team at Peninsula Underwriters Insurance Agency is invested in helping Gainesville, FL mobile homeowners understand mobile home insurance.

What is Mobile Home Insurance?

Mobile home insurance provides coverage for your mobile home, personal property, and any other structures on your property. It also provides liability coverage as well as coverage if you’re unable to use or inhabit your mobile home. Mobil home coverage also includes any connected decks, garages, patios, or storage sheds. Your mobile home is also protected from damage that can occur as a result of theft and vandalism, as well as natural disasters like wind, hail, and fire. It should be noted that mobile home insurance is often a requirement if you live in a mobile home park. However, the state of Florida doesn’t require mobile homeowners to carry insurance, but a mobile home park or lender may require it. 

I bought an old used mobile home. Do I need insurance?

Maybe. Not all insurance companies will insure a mobile home that was built before 1976. However, the rules and criteria will vary from one insurance company to the next. However, if you can get mobile home insurance, it may be a good idea to invest in it because it covers the repair or replacement of accidental damage to your home, personal items, and other structures on your property. Mobile home insurance can also cover vandalism, theft, and more.

If you think you could benefit from mobile home insurance, call us at Peninsula Underwriters Insurance Agency in Gainesville, FL. We’d be happy to help you explore your options. 

Do You Need Mobile Home Insurance?

How do you know if you need mobile home insurance? Most mobile homeowners need some form of financial protection.

If you own a mobile home, then you should know that ownership comes with a whole set of responsibilities. Aside from paying for the utilities and maintenance, you’ll need to find the right kind of coverage. A decent mobile home insurance plan should pay for all of your needs, including property damage and liability claims.

At Peninsula Underwriters Insurance Agency, our Gainesville, FL team specializes in covering mobile homeowners in the event of a crisis or event.

What Does Mobile Home Insurance Cover?

Mobile home insurance is versatile, covering a number of situations. Those situations might include vehicle collisions, fire damage, water damage, storm damage, theft, vandalism, or property losses.

If you’re a mobile homeowner searching for a sense of financial security, then it’s recommended that you purchase an insurance plan that meets your specific needs. Living in Florida means your mobile home will be more susceptible to storm damage from hurricanes; your best option will be to find a policy that pays for storm damage as well as other things. 

We Are Here To Help!

Are you living in a mobile home in Gainesville, FL? Peninsula Underwriters Insurance Agency has got you covered.

Our agency provides insurance coverage for mobile homeowners. If you are interested in hearing more, give our agency a call to schedule an appointment. We’d be happy to list the insurance plans and policies that suit your mobile home needs.

What You Need To Know About Mobile Home Insurance

Mobile homes provide a great housing option for millions of people. Mobile homes are affordable and are often a quick way to get established in your own home. Mobile homes require special insurance coverage. At Peninsula Underwriters Insurance Agency, serving Gainesville, FL and the surrounding areas, we can help you find the perfect insurance policy for your mobile home. 

Special Considerations For Mobile Homes

Mobile homes are not built the same way traditional houses are built. There are some risk factors that affect mobile home differently than regular homes. This does not make mobile homes a substandard housing option, but it is a factor that must be considered when creating insurance policies. 

You can speak with an insurance representative concerning the factors that are considered for mobile home insurance. 

What If I Don’t Get Insurance?

It is often required that insurance is in place if you are buying a mobile home through a mortgage. Even if you are not, it is still the best way to protect the investment you are making. 

What Is Covered?

The mobile home insurance policy will provide coverage in the following areas:

Property damage– If the home is damaged or lost due to fire, natural disaster, or burglary, the policy will help to pay for repairs or replacement. 

Liability– If someone is injured in the home or on your property, liability coverage will pay for expenses that may result. 

If you fail to have insurance on your mobile home, you will be responsible for any repairs or replacement of the home. You may also be liable for any medical expenses or legal fees resulting from someone getting injured. 

Get Mobile Home Insurance Today

If you would like to learn more about our services, please contact us at Peninsula Underwriters Insurance Agency, serving Gainesville, FL and the surrounding areas. 

The benefits of a comprehensive mobile home policy

Peninsula Underwriters Insurance Agency is here to help all of the mobile homeowners and dwellers in the greater Gainesville, FL area. If you are wondering what type of mobile home insurance is right for you, we can help!

Main benefits of a comprehensive mobile home insurance policy

When it comes to protecting your mobile home, more is often better. With a comprehensive policy, you can rest assured that you have the protection you need.

Primary insurance policies may be okay when it comes to everyday damage. But, as we all know, the weather in Florida can often be turbulent. If you want to make sure that you are protected, it’s a great idea to review your insurance policy options.

The mobile home insurance policy options that are available in our area can range from very basic and bare-bones to comprehensive. With a comprehensive policy, you can protect your home more fully. 

Don’t wait until it’s too late to find out that you don’t have the insurance coverage you need. Take the time now to review all of the available options and decide which type of mobile home insurance policy is right for your needs.

With a comprehensive policy, you can give yourself and your family the protection you need, should damage or another loss befall your home. 

Give us a call today!

The entire team here at Peninsula Underwriters Insurance Agency is proud to serve the insurance needs of all the residents in the Gainesville, FL area. If you would like to learn more about the benefits of a comprehensive mobile home policy, give our office a call today.