Because the state of Texas is susceptible to destructive natural hazards, including tornados, wind and hail storms, as well as hurricanes, all of which are especially damaging to mobile homes, obtaining proper, inexpensive coverage for your mobile home can present a challenge. One of the main things you need to know about mobile home ownership in Texas is that most insurance carriers divide the state into tiers based on proximity to the Gulf Coast. Counties located directly on the coast are labeled Tier 1; counties located one county inland from the coast are labeled Tier 2, and all other counties which fall outside these locations are generally untiered. This is important because it is generally more difficult (and more expensive) to obtain mobile home insurance in Tier 1 and 2 counties. Because of this, you need a qualified mobile home insurance specialist on your side if you’re looking to obtain coverage in these restricted areas.
What is and isn’t covered under your mobile home insurance policy depends primarily on what type of coverage you purchase, as well as the carrier through which you are insured. Here are some important questions you should know the answer to:
- Do I have a basic named perils policy, or a comprehensive all risk policy?
- Is my mobile home insured on an actual cash value basis, or on replacement cost?
- Do I have any liability coverage? If so, what is the limit, and what is my deductible?
- What coverages are specifically excluded under my policy?
If you don’t know the answers to one or more of the above questions, it’s important to contact us as soon as possible. Because you never know when a loss to your mobile home will occur, we’re here to make sure you’re adequately covered beforehand.
Because mobile home insurance is considered a personal lines policy, you will typically receive discounts similar to someone who has an active homeowner’s policy. These would include a reduced premium for not filing any claims within the past three to five years, having a higher deductible, as well as carrying an auto policy with the same company who carries your mobile home policy. Each carrier can have their own unique mobile home insurance discounts, so give us a call to find out if you’re paying too much.
Unless it’s unavoidable based on the area in which you live, you’ll almost never want to purchase a basic, bare-bones mobile home insurance policy. You’ll also want to make sure your deductible fits your financial situation, as you don’t want to pay too much in the event of a loss. To find out other important information you should know when purchasing a mobile home policy, feel free to give us a call.
If you’re looking for mobile home insurance in Texas, especially if you live along the hurricane-prone coast, give us a call today. We have deep relationships with most of the industry’s top mobile home insurance carriers, and we specialize in finding coverage for difficult risks.