Mobile Home Insurance
in Massachusetts

Mobile Home Insurance in Massachusetts

Home on Wheels? We've Got You Covered!

Your mobile home is your family’s cozy spot, but standard homeowners’ insurance might not have it covered. LoPriore Insurance has your back with a mobile home insurance policy, ensuring protection for both your home and belongings. Stay worry-free in your special space.

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Massachusetts Mobile Home Insurance
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Massachusetts Mobile Home Insurance
Lopriore Insurance Agency

Massachusetts Mobile Home Insurance Lopriore Insurance Agency

Understanding the unique requirements of mobile home insurance in Massachusetts is crucial for every homeowner. At LoPriore Insurance Agency, we take pride in our expertise and commitment to safeguarding your beloved mobile home against unforeseen events, tailoring our policies to the specific nuances of the Bay State. Our professional team of insurance agents are dedicated to help you understand your individual needs, and committed to properly insuring your mobile home to protect against unforeseen events.

Understanding the Importance of
Mobile Home Insurance

With mobile home ownership comes unique challenges, but with LoPriore Insurance Agency a mobile home insurance, is not just buying a policy; you’re investing in peace of mind. Let’s protect your mobile home together.

What is It?

Mobile home insurance is a policy that provides the same protection offered by homeowners insurance for the owners of mobile homes. Protection can include coverage for your home and possessions and liability for you and your family.

Why Do I Need It?

Many mobile homes aren’t eligible for traditional home insurance policies. You need mobile home insurance to protect your home and possessions. Additionally, it’s required by many lenders and mobile home parks require proof of insurance.

Who Is It For?

Anyone who owns a mobile home can benefit from a mobile home insurance policy. It provides protection for your home and belongings against potential disasters. If you’re financing a mobile home, your lender will likely require you to purchase a mobile home insurance policy.

How To Insure My Mobile Home

Owning a mobile home represents freedom, comfort, and a slice of the American dream. But with ownership comes responsibility. Just as you’d protect a traditional brick-and-mortar home, your mobile home deserves the same level of care and protection. Whether you’ve just purchased your first mobile home or you’re revisiting your current coverage, this guide will navigate the essentials of insuring your cherished space, ensuring peace of mind in the face of the unexpected.

Tips for buying Mobile Home Insurance

Shopping for mobile home insurance can be daunting, but with the right guidance and knowledge, you can confidently secure the protection your cherished space deserves.

Understand Your Needs

Determine the value of your mobile home and its contents. Decide if you want coverage for just the structure, your belongings, or both.
Consider the risks specific to your location, such as natural disasters or theft.

Know the Different Coverage Types

Physical Damage: Covers damages due to events like fire, hail, or vandalism.
Liability: Protects you if someone is injured on your property.
Personal Property: Replaces personal belongings in the event of theft, damage, or loss.
Additional Living Expenses: Covers temporary housing costs if your mobile home becomes uninhabitable.

Ask About Discounts

Many insurers offer discounts for safety features, like burglar alarms or storm shutters.
Bundling mobile home insurance with auto or other types of insurance may also qualify you for discounts.

How much does Mobile Home Insurance Cost?

Shopping for mobile home insurance can seem complicated, but understanding its affordability is important. As of our last update in September 2023, the typical annual cost of mobile home insurance in the U.S. ranged between $250 and $1,300. To ensure you receive the best value tailored to your unique needs, consider purchasing from LoPriore Insurance, your trusted local independent insurance agency.

Coverage Type
And Amount

Location

Bundling Your Insurance

Safety Features

Claim History

Home Value & Size

Age and Condition

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Factors that Affect The Cost Of Mobile Home Insurance

For an accurate and current quote tailored to your specific situation, it’s always best to reach out directly to your local insurance agency insurance providers in your area. An independent Insurance Agent can give you a breakdown based on your mobile home’s details and the coverage you need.

Home Sweet Mobile Home
Request Your Mobile Home Insurance Quote Today!

Home Sweet Mobile Home. Request Your Mobile Home Insurance Quote Today!

Your mobile home deserves the best protection. Discover our custom tailored rates with a quick click for a quote

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Mobile Home Insurance Coverage Details

Standard mobile home insurance provides fundamental protections for your mobile home and its contents. While specific coverages can vary slightly between insurance providers and regions, the following are typically included in a standard mobile home insurance policy

Standard Coverage

Physical Structure Coverage (Dwelling Coverage)

Protection against damage to your mobile home from covered perils such as fire, windstorms, hail, vandalism, and others.This covers the main dwelling and often includes attached structures like porches or carports.

Personal Property Coverage

Damage or loss of personal belongings inside your mobile home due to covered perils. This encompasses items like furniture, electronics, appliances, clothing, and other personal belongings.

Liability Coverage

Legal and medical costs if someone is injured on your property or if you or a household member causes harm or property damage to others.This can cover legal fees, medical bills, and any settlements or awards, up to your policy limits.

Additional Living Expenses (ALE) or Loss of Use

Provide coverage for costs associated with temporarily relocating if your mobile home becomes uninhabitable due to a covered peril. This can encompass hotel stays, meals, and other related expenses during repairs.

Medical Payments to Others

Coverage pays for medical bills for someone who's injured on your property, regardless of who's at fault. This coverage is typically for minor incidents and has a lower limit than liability coverage.

Other Structures Coverage

Covers damage to structures not attached to your mobile home, like a shed or detached garage. If you have other structures on your property, this can cover them against the same perils as your mobile home.

Keep in mind that standard policies have limits, and specific perils or items might be capped at a particular value. Always review your policy documents carefully to understand your coverage limits and any deductibles. For any unique needs or to increase your coverage, consult with your insurance agent about available endorsements or additional policies.

Mobile Home Insurance Optional Coverages

When considering optional coverages, it’s essential to assess your risks and the value of your belongings. It might be beneficial to consult with a local insurance expert, like those at LoPriore Insurance, to get guidance on which endorsements best fit your circumstances.

Enhanced Dwelling Coverage

Extends the amount your policy will pay to repair or replace your mobile home if costs exceed your policy's limits.

Replacement Cost for Personal Property

Instead of getting the depreciated (actual cash value) amount for your belongings, this covers the cost to replace them with new items.

Scheduled Personal Property

Provides higher limits and broader coverage for specific, high-value items like jewelry, art, or collectibles.

Equipment Breakdown

Covers appliances and devices in your home, similar to a home warranty, in case of mechanical or electrical breakdown.

Trip Collision Coverage

Protects your mobile home when it's being relocated from one place to another.

Identity Theft Protection

Offers services and some reimbursement for expenses if you're a victim of identity theft.

Earthquake Coverage

Protects your mobile home from damages caused by earthquakes.

Flood Insurance

Provides coverage against damage caused by flooding, which is a common exclusion in most standard policies.

Optional coverages, often referred to as endorsements or riders, are add-ons to a standard mobile home insurance policy. These provide protection for situations or items that aren’t covered under the basic policy. Depending on your personal needs, circumstances, or the location of your mobile home, you might consider adding some of these optional coverages:

Mobile Home Insurance Coverage Exclusions

Exclusions in mobile home insurance refer to specific events, damages, or losses that the policy does not cover. While policy exclusions can vary by provider and region, the following are some common exclusions found in standard mobile home insurance policies:

Wear and Tear

Regular aging, wear, and deterioration of your mobile home aren't covered. This includes things like rust, mold, or general decay.

Intentional Damage

If damage to your mobile home or personal property is caused intentionally by the policyholder or residents, it won't be covered.

Neglect

Damages that arise because of a failure to perform necessary maintenance or repairs are typically excluded.

Pest Damage

Damages from insects, rodents, or vermin might not be covered.

Mechanical Breakdown

Issues like electrical or appliance breakdowns aren't covered, unless caused by a covered peril.

Flood Damage

Damage caused by flooding is not covered by standard mobile home insurance.

Earthquake Damage

Damage due to earthquakes usually requires a separate policy or endorsement.

Mold

While some policies may cover mold damage if it's the result of a covered peril (like a burst pipe), many exclude or limit coverage for mold damage, especially if it results from neglect or poor ventilation.

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What’s The Advantage of Comparing My Insurance Policy?

When you send us a copy of your policy, our team has an opportunity to get a snapshot of your current insurance coverage, discounts, and added riders on your existing insurance policy.

Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

What Happens When You Upload Your Policy?

Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Extra Protection, Extra Peace of Mind

Get a mobile home insurance quote from LoPriore Insurance and fortify your home with comprehensive coverage. Their expert team tailors solutions to your needs, ensuring your mobile home is protected with confidence.

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Mobile Home Insurance FAQs

Does My Auto Insurance Cover My Mobile Home?

No. Auto insurance policies don’t cover mobile homes against any potential liability or damages during transit or after reaching a permanent site.

Does Mobile Home Insurance Cost More Than Regular Home Insurance?

Typically, the cost of mobile home insurance is cheaper than regular home insurance since the amount of coverage is less. However, your coverage is still designed to provide replacement of your home.

What Is A Deductible On My Mobile Home Insurance Policy?

A deductible is the amount of money you must pay out-of-pocket when you file a claim. The deductible must be paid before the insurance policy will pay claims damages. Deductibles vary and may be more expensive if you have a lower monthly premium.

What Factors Are Used To Determine The Cost Of My Mobile Home Insurance?

There are several factors affecting the cost of mobile home insurance premiums including:

Coverage amounts and deductibles
Home age
Safety features
Location
Pets
Your credit rating

How Do I Know How Much Coverage I Need?

You need to have enough coverage to replace your mobile home and possessions in the event of a total loss. The best way to get an accurate estimate is to take an inventory of how much your home and all of your possessions are worth.

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