Mobile Home Insurance

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.

Mobile home insurance policies provide two basic kinds of coverage

Physical Damage

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.

Some policies only cover specific causes of loss (named peril policies). This is basic coverage and while the low premiums may seem like a bargain, it could cost you hundreds of dollars in the event of a claim, if the damage is not caused by one of the named perils.

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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Announcement regarding COVID 19 emergency

To our valued customers:

Governor Cuomo has announced emergency measures giving New York residents and New York small businesses experiencing financial hardship due to COVID-19 a grace period of 60 days to defer payments for various kinds of insurance including auto, homeowners, renters, workers compensation and business policies. (Note: the deferral is 90 days for life insurance payments.)

The grace period applies to (i) individuals and (ii) small businesses with less than 100 employees, who have been hurt by the current emergency. If you have premium due in the next 60-90 days that you are unable to pay right now because of the COVID 19 emergency, please contact your insurance company and ask about alternative payment arrangements.

As an essential business, we are still working and are standing by, ready to help you with all your insurance needs.

Click here to view the NYSDFS announcement if you would like more information