Looking for affordable mobile home insurance? Get a quote today!
Not only is Fort Myers one of the top places to retire in the US, it’s also home to over 100 mobile home parks. What’s the big draw? Probably its sunny weather, outdoor activities, and proximity to gorgeous beaches.
But living close to the water also puts you at high risk for hurricane damage. Getting quality mobile home insurance is an important part of returning to normal should bad weather hit.
As a Florida resident, you’re probably aware of the high price of home insurance in the Sunshine State. Those issues, like reinsurance and excessive litigation, also affect the cost of mobile home insurance in Florida.
However, location isn’t the only thing that affects home insurance premiums. The age, construction, and size of your mobile home all play a role in your premium, as does your claims history.
That means you may find a better mobile home insurance rates if your home has:
Anchor ties that meet city codes.
A fully enclosed foundation or skirt.
Handrails installed anywhere with three or more steps.
A well-maintained facade and property.
While averages give you an idea about home insurance rates, the only way to know for sure what you’ll pay for your coverage is to apply for a quote.
If you have shopped for mobile home insurance before, you’re probably used to overpaying for coverage that underinsures your home.
We’re changing that. Our policies are competitively priced and offer replacement cost coverage for your dwelling. That means when catastrophe strikes, you’ll have the coverage to help pay for a new home after a total covered loss.
Our policies offer the following coverages:
Your policy also includes hurricane insurance to pay for damage caused by hurricane winds.
Don’t pay more for your coverage than you have to. We’ll help you get as many discounts as you qualify for, such as:
You can also keep your rates manageable by only filing bigger claims when you need to and handling smaller losses on your own. As a general rule, if the loss is lower than your deductible, that’s a repair that should probably be handled outside of insurance.
You can also lower your premium by taking on a higher deductible. But as we mentioned above, your insurance should only help pay for losses greater than your deductible. So a word of caution: don’t take on a deductible so high that it prevents you from reasonably using your coverage when you need it.
Have any questions about getting insured in Fort Myers? Call us at 855-717-0022.
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