Protect Your Mobile Home With The Best Insurance Options In Oklahoma.



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The Basics of Mobile Home and Manufactured Home Insurance

When you own a mobile home or manufactured home, insurance is a must and it's important that you understand why. The first thing you need to understand is that the difference between a mobile home and a manufactured home is not easy to identify, but they both use the same kind of insurance, meaning mobile home insurance or manufactured home insurance.

If you have this kind of property in Oklahoma, you must invest in mobile home insurance of manufactured home insurance. Now, there are many different ways you can use insurance to cover your mobile or manufactured home to make sure it is protected.

Different Ways to Use Insurance


You can use mobile home insurance for either of them because the coverage is the same for both kinds of home. This kind of insurance will cover the dwelling and other structures, your personal property, and it will also provide liability coverage.


You can use homeowners or dwelling insurance to cover your mobile or manufactured home as a secondary residence or vacation home. This type of insurance will cover the structure, your personal belongings, and provide liability coverage as well.


You can insure your mobile home or manufactured home as a rental or landlord property if you are renting it out. Landlord insurance will cover your home and whatever belongings you rent out, but your renters will have to get insurance for their own personal belongings.


As a tenant, your personal property within the mobile home or manufactured home can be covered by renters insurance. Renters insurance will cover your personal property, provide liability coverage, and it provides additional living expenses, which may cover hotel bills and more if your property becomes uninhabitable as a result of a covered peril.


Last but not least, you can use farm insurance to protect your mobile or manufactured home if it sits on land of over 20 acres, which is not typically insured with homeowners insurance or dwelling insurance.

The Differences Between Mobile Homes and Manufactured Homes


Mobile and manufactured homes are not very different, which is why the terms are used interchangeably. However, the difference is in the code used to build them, so you can easily tell them apart by looking at the year of manufacture.

The National Mobile Home Construction and Safety Act was passed in 1974 and they established the HUD Manufactured Home Construction and Safety Standards in 1976. This means that the mobile homes manufactured before this time didn’t follow any set building standards because those standards had not been established until 1976.

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Insurance for Mobile Homes and Manufactured Homes


Because mobile homes and manufactured homes are virtually the same, the insurance policy for mobile homes can be used as manufactured home insurance as well. Remember, the main difference is the building codes. That means that their needs are the same when it comes to insurance.

Standard homeowners insurance excludes mobile and manufactured homes because they have unique exposures. For example, they are more susceptible to wind or fire damage and the exposure to loss by collision is a lot higher, and insurance needs to consider that. So, even though mobile and manufactured homes share certain characteristics with dwellings, you normally can’t use homeowners insurance to protect them.

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Endorsements for Mobile Home Insurance and Manufactured Home Insurance


You will be happy to know that endorsements can be applied to mobile home insurance and you have a few options to consider to increase the effectiveness of insurance.

You can get transportation or permission to move endorsement, which is also known as transportation trip endorsement. This offers 30-day coverage against collision, damage, stranding, or sinking, which are risks mobile and manufactured homes face while they are moved from point A to point B.

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Though mobile homes and manufactured homes are very different from a standard home, they are still susceptible to common perils. If you want to protect your home, you can't carry on without insurance.

When you own a home, whether it's mobile or not, insurance become one of your responsibilities. Insurance will cover all your bases and keep your belongings and yourself covered against the common risks.

Anything can happen at any moment, especially if you're constantly on the move, so mobile home insurance will help you have a lot more peace of mind. Looking for insurance on a mobile home? Search for mobile home insurance or manufactured home insurance quotes and you'll find what you need. Get your mobile home insurance quotes now!