Mobile Home Insurance Options
Insurance needs are a concern for families throughout the United States. Individuals who need insurance for various needs may feel that there are too many issues involved with selecting the right insurance products. While these issues may seem challenging, Norton Insurance Agency is available to assist individuals and families with several insurance options.
Who We Are
Norton Insurance agency is a full-service insurance agency that offers our clients a variety of insurance products that can protect automobiles, businesses, homes, farms, and human life.
Our goal is to establish a relationship with our clients based on trust. At Norton Insurance, we work to educate our clients on the insurance products that our agency offers that can assist them in meeting the unique needs of individuals and businesses. Our qualified agents serve clients in the Cheraw, South Carolina community.
Individuals who live in mobile homes have unique needs and requirements. There are mobile home insurance policies to meet the needs of clients who live in mobile homes. A policy such as a Ho-7 policy is insurance coverage for residents living in manufactured homes and mobile homes. Traditional homeowners’ insurance does not cover individuals living in mobile homes.
Mobile Home Policies
A Ho-7 policy outlines the coverage available to a homeowner if they experience loss or damages from different events or accidents. The mobile home policy has coverage for the mobile home and any additional structures which may include things such as a carport, garage, shed or a fence surrounding the property.
A mobile home policy provides a homeowner with coverage on their personal property at is in the home which includes items such as furniture, appliances, and clothes. These policies may place limitations on valuable content such as jewelry or instruments for any reimbursement that may occur to damage or theft of these items. Mobile homeowners can request a rider that provides additional coverage limitations on certain items.
Policyholders can expect to receive reimbursement if they suffer any of the areas their policies cover. Mobile home policies reimburse homeowners based on the value of the mobile home. When reimbursement occurs for lost or damaged items, it provides money based on the cost of replacing those items.
Liability Coverage
Some additional benefits of a mobile home policy include that the policy covers injuries to individuals that occurred on your property. If someone suffers an injury that a policyholder is liable for, the policy assists with paying for damages associated with the injury such as the medical expenses associated.
Policies cover expenses such as nursing care, funeral expenses, cost of operation, x-rays, and ambulance fees. As a mobile homeowner, the policy would pay for damages that people experience to their personal property while they are on your property.
Temporary Housing Assistance
When a mobile home becomes a place that’s hazardous to live in due to damage, the mobile home policy will provide the policyholder with the money that’s necessary to cover temporary living expenses in another area. This temporary housing assistance can help reduce the stress that individuals experience when it’s necessary to find a new home. A mobile home policy helps policyholders cover any expenses that can occur from the loss they experience when they live in their homes.
Mobile home policies pay for loss or damages caused by the following events.
- Theft
- Hail and wind damage
- Damage from fires and lightning
- Vehicles and airplane damage
- Smoke damage
- Vandalism
- Electrical system failure and plumbing failure
Mobile home policies do not cover damage or loss that occurs from the following areas.
- Neglect
- Pets
- Floods and hurricanes
- Intentional damage to the property
- Normal wear and tear
- Neglect of the property
Norton Insurance Agency can assist individuals and businesses with insurance products that can meet their needs. We work hard to educate our customers so they can have the best insurance products available to meet their personal and professional needs. By contacting our agency, individuals can have a proactive approach to address insurance needs that can prevent or reduce financial loss.