Sterner Insurance Agency - Apple Valley, MN
952-432-1111 - Business, Commercial, Auto, Home & Life Insurance, Apple Valley, Minnesota Apple Valley, MN
Mobile Home Insurance
While manufactured homes tend to be more affordable than site-built homes, mobile home insurance can be costly. Here's why:
When a fire breaks out in a manufactured home, it can spread quite quickly.
Mobile homes are more susceptible to storm damage.
Damage from frozen pipes is frequently reported for mfg' homes.
Mobile/Manufactured Home Insurance
Sterner Insurance Agency - Apple Valley, MN - Your Mobile/Manufactured Home Insurance Experts
Mobile home insurance policies provide two basic kinds of coverage: physical damage and personal liability coverage. Choosing the right insurance policy is much like choosing the right mobile home. You want it to fit your needs and lifestyle, but you also want the insurance coverage to fit within your budget.
These coverage options are available for rental mobile homes, commercial mobile homes, mobile homes that are used seasonally, or mobile homes located in a park or on private property. If you already have auto or homeowners insurance, you can try contacting the same insurer to see if you are eligible for a discount.
Physical damage coverage pays for accidental damage to your mobile home, belongings, or other structures (such as attached patios or decks, garages or storage sheds) resulting from fire, hail, wind, theft and vandalism, or falling objects. The amount and degree of coverage varies from one policy to another, so make sure to compare policies carefully.
Personal Liability Coverage
Damage to property isn’t the only hazard of modern life. Liability insurance coverage applies when there is a claim or a lawsuit against you after someone is injured or their property is damaged because of your activities. That amount may be more than what comes standard with a mobile home insurance policy, so it may be wise to consider purchasing additional liability insurance. Claims might include medical expenses, lost wages, pain and suffering, and even property damage. However, liability coverage does not pay claims for injuries to you or the members of your household.
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