When it comes to making sure that your home and family are safe and sound, few things are as important as choosing the right insurance plan. About six months ago, my home burned to the ground, and without the right insurance plan, we would have been toast financially. Fortunately, because we had prepared properly, we didn't have any problems when it came to making sure that we could rebuild our place. This website is here to help anyone who might be struggling with which insurance policy to choose. Check out this blog for great information on finding the perfect policy.
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Whether you have to have it for your home loan or just want to protect your financial future, having a mobile home insurance policy is almost always a necessity. That doesn't mean you have to spend unnecessary money, though. Here are some ways to save on your mobile home insurance.
Build on a Permanent Foundation
If you're building a new mobile home, consider building it on a permanent foundation. Raised homes can be cheaper initially, but they come with additional risks that can make them more expensive to insure.
One of the biggest risks of a mobile home is wind damage. When your home is permanently installed into the ground, the wind will mostly go up and over it. If you have a raised home without a permanent foundation, the wind can get under it. A strong storm could even knock it over and completely destroy it, and that risk will be calculated into your mobile home insurance premiums.
If you're in an area with earthquakes, a permanent foundation can also help reduce your risks in earthquakes. When your home is fixed permanently, it will move with the ground. If it's raised, the supports will wobble and rock your home during the earthquake creating the potential for damage or even collapse.
Reinforce Your Mobile Home Against Wind
No matter what type of mobile home you have, there are steps you can take to protect it from wind damage. These include additional anchors for the roof as well as tie-downs to the ground.
Even if you're in an area without hurricanes or tornadoes, strong storms can still bring gusting winds that can do damage. The more safety features you have installed, the less you pay for insurance.
Install Fire Safety Features
Mobile homes are also at a higher risk of fires than other types of homes. This is due to the materials that they're made out of. Having a higher risk of fire does mean a higher potential for higher insurance rates.
You can save money by installing fire safety features. Smoke detectors can give you a discount because they provide early warnings of fires. The discount may be larger if they automatically call the fire department. If you're buying a new mobile home, you may be able to choose one with better fire-rated materials. For existing homes, even having a fire extinguisher in your home might qualify you for a discount.
To learn more about finding the right mobile home insurance plan, talk to a local insurance company today.
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