Here’s how to get cheap mobile home insurance in Florida.
You know of course that Florida has hurricanes. Mobile homes are disproportionately affected by hurricanes. So, it is absolutely necessary that you are covered for these natural disasters.
So, shop around for hurricane insurance. Different companies have different policies. You should also shop for the other parts of your homeowners policy. The factors you should consider include:
First up: how much protection do you actually need. Of course, the lower the payout the lower your insurance are. If you own the land under your mobile home, you don’t need the full value of your home because the land is still going to be there. You only need to replace the unit itself.
For instance there are two different kinds of insurance if something happens to your home. Replacement cost will replace your mobile home fully while actual cash value will only give you the depreciated amount of your modular home’s worth. Of course, actual cash value is the cheaper of the two.
You should also consider how much legal liability coverage you need. For instance, if you have a dog or lots of visitors coming over, you probably need more liability coverage than if you have a safer lifestyle. Still, it doesn’t cost much extra to have a generous policy. If every penny counts though, this is one way to save a little bit of money.
While the federal government’s National Flood Insurance Protection offers flood insurance that many mobile homeowners either want or need, it is a good idea to check with your own insurance policy to see whether they offer a better rate with a combined plan.
The over 50 set often gets mobile home discounts. This is particularly true if you live in a seniors only park.
One final note: check with your broker to see what deals he can make for you. Your insurance company may be more willing to negotiate than you realize.
So, that shows you how to get cheap mobile home insurance in Florida
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