Owning a home requires having homeowners insurance, but if you are the owner of a mobile home you will have to get specialized mobile home insurance. Because these homes are not the standard home built with a foundation, special insurance is required to cover damages to the home. But, similar to standard homeowners insurance, there are some aspects of the mobile home that may not be covered. For help with insurance, residents of Arlington, TX know they can turn to Strack Insurance Services for help.
Mobile home insurance typically covers the replacement cost of the home. There are some circumstances though that are not covered with standard mobile home insurance. For one, normal wear on tear on the home is not covered. This can include any damages due to time or weathering. Appliances that may break down over time are also not covered. However, many mobile home insurance policies have the option to add in breakdown insurance which may help cover these expenses. If you are building a new mobile home or even moving a current home, damages that may occur will not be covered under standard mobile home insurance. Some mobile home insurance offers the option to add on builder’s risk insurance to cover potential damages. In some states, builder’s risk insurance may even be required before starting to build a mobile home.
If you are a resident of Arlington, TX and have questions about mobile home insurance, feel free to reach out to the experts at Strack Insurance Services. Our experts are happy to help answer questions about an existing mobile home owner insurance policy or can help set up a new policy. Feel free to visit our website to learn more about what services and policies we offer.