Mobile Home Insurance
Mobile Home Insurance Information
In 2012, Cullman was Alabama’s selection of Bloomberg Businessweek’s 50 Best Places to Raise Your Kids
. To protect all that’s important to you, invest in mobile homeowners insurance. For over 20 years, Jean Deese Insurance Agency
has helped homeowners throughout Northern Alabama get customized, tailored coverage.
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Mobile Home Insurance in Cullman, Alabama
Every homeowner needs to have appropriate property insurance in place, and that coverage must be customized to meet the specific liabilities associated with their unique dwelling. If you live in a mobile home, you will face property damage and other loss risks associated with your dwelling that are not present for owners of single-family homes, and your home insurance must reflect those risks.
Mobile home insurance is just like every other home insurance policy, except that it is designed for mobile homes, specifically. With the help of the dedicated team of experts at Jean Deese Insurance, you’ll be able to create a quality set of benefits that will always be there for you and your property when you most need them.
If you’re ready to get mobile home insurance, then don’t wait. Call us at or request your policy quote today. It’s fast, free and no-obligation.
Common Mobile Home Insurance Questions
What Is Mobile Home Insurance?
No home is immune to hazards like fires, severe weather, vandalism or theft, and no property owner is immune to lawsuits brought by third parties who claim that you caused them harm on your property. Mobile home insurance is designed to protect the property (and by default, the property owner) from the financial ramifications of such unexpected, unavoidable problems. It will help you cover the costs of challenges like these so that you don’t suffer unsustainable financial losses just because an accident occurred.
If you finance the mobile home at the time you buy it, you will generally be required to purchase this coverage in the first place. However, regardless of any coverage requirement, you should still enroll in this coverage. After all, it will help you minimize your potential financial losses from any number of unexpected household problems.
What Does Mobile Home Insurance Cover?
Most mobile home insurance offers several standard types of coverage, including:
Dwelling Insurance: This coverage will insure you for the replacement cost value of your home.
Detached Structures Insurance: Your policy can insure detached buildings on your property such as storage sheds, carports, fences and gazebos.
Personal Possessions Coverage: Damage to your belongings will have coverage under this part of your policy.
Homeowners Liability Insurance: Should your mistakes or negligence harm someone else, this coverage can help you repay them. For example, if a neighbor falls in your home and then sues you, then this coverage can pay for their recovery costs.
Loss of Use Coverage: After a hazardous household event, this coverage can help cover certain living expenses that arise if you must temporarily move out.
You can also further customize your plan with benefits like:
All policies will include deductibles and exclusions that might limit when they will provide reimbursement for damage claims. However, your agent can work with you to expand your policy appropriately so that you never have excessive gaps in coverage.
Please note: Your policy might not apply while you transport the mobile home. However, some insurers offer a coverage endorsement for physical damage sustained while the home is in transport. This endorsement can also extend to personal possessions in transit, too.
What Does Mobile Home Insurance Cost?
Numerous factors can influence the cost of your mobile home’s insurance policy, such as:
Our agents are committed to helping every client find the most affordable policy for their needs. With our top-rated, trusted network of carrier partners ready to provide you with the support you deserve, we will expertly navigate you through all the ins and outs of choosing the mobile home policy that is best for you.