Mobile Homes should be insured like any other type of home. Normally this means hazard insurance. But it also could be for flood or earthquake.
Hazard insurance covers damage from: Fire, wind, theft, vandalism, collision, freezing and pipe burst (leaks from pipes, washing machines, water heater, etc.)
Collision would be from a car or other automobile, or an aircraft. Hazard insurance includes the following categories:
A - Dwelling - this covers the actual structure. Typical cost per year for a normal mobile home will run from a couple hundred dollars to several hundred dollars.
B - Other Structures - this would be any other buildings like a shed.
C - Contents - this would be up to a certain amount for all of the belongings and appliances in the home. Make sure you video tape all of your contents and put the record of this in a safe deposit box.
D - Loss of Use - this would be for any expenses when you cannot use your home for any reason. An example is recently there were some fires in Santa Barbara California. Some residents did not have any damage to their homes, yet they were forced to evacuate. Well, their costs of evacuation would be covered. Not many people know this!
Flood insurance is either Preferred or Normal.
Preferred is when the home is not in a flood zone according to the FEMA flood maps. These maps are constantly changing and it is possible for a home to not be in a flood zone one year, and in a flood zone the next. Now, this is not typical but it can happen.
Normal flood insurance is when the home is in a FEMA flood zone.
Flood insurance is some of the most expensive, costing upwards of $1,000/year for a typical mobile home. To decrease this cost the home owner could get an elevation certification by a surveyor and if the home is high enough, the insurance cost would be dramatically reduced.
Flood insurance would cover dirt and debris from a flood, water damage from an actual flood or from a burst pipe, or any other type of water disaster.
Last, there is Earthquake coverage. This covers the structure from damage from an earthquake. Typically the most damage a mobile home will have from an earthquake is from coming off the foundation piers. This usually is not that damaging and can be righted quite easily by a mobile home contractor with the right tools. But, the plumbing (including gas) and electrical connections would need to be repaired. Check out our other elerts for more about putting a new unit on your space.
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