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Insuring Your Older Manufactured Home
What would you lose if your home were damaged, destroyed or robbed today? Where would you live? Could you afford to replace your furniture? Your television and computer? What about that expensive vase your grandmother left you?
Where can manufactured home owners turn?
Whether your manufactured home is a vacation cabin at the lake or the year-round home you’ve chosen for your family, homeowner’s insurance is a detail you mustn’t overlook. Yet, finding an insurance provider can be a challenge for manufactured home owners, especially for those with older homes. Many insurance companies choose not to insure older manufactured homes, citing reasons like depreciated value, out-dated construction, and the absence of foundations, just to name a few.
Premere General Agency: Protection for you and your manufactured home
If you’ve been searching for an insurance provider for your older manufactured home, don’t give up. Premere General Agency specializes in manufactured home insurance. We can insure manufactured homes of any age and help you choose the right amount of coverage for your family.
Choosing the best insurance provider for you home
While you may have less insurance providers to choose from as a manufactured home owner, you still have options. Shop around before choosing an insurance agent. Ask your neighbors, friends and relatives who own manufactured homes about their insurance experiences.
The insurance provider you choose should be knowledgeable about the coverage options for manufactured homes and have a reputation for fairness and competence. A sound, reliable agency, like Premere General will put your mind at ease now and be your shoulder to lean when need to make a claim.
Choosing the best insurance plan for your family
Affordability is important but don’t buy for price alone. A policy that doesn’t provide your needed coverage and services will not be a bargain in the long run. Keep in mind that a home is more than the materials that were brought together during its construction. Your insurance policy should reflect that, covering your belongings, and the replacement cost, as well as the value, of your home.
Things to remember when finalizing your insurance policy
Be sure to answer all the questions on the insurance application completely and honestly. Omitting or fabricating information could invalidate your policy. Likewise, never sign a blank application or one you haven’t reviewed. It’s best to pay for your policy with a check, noting the type of policy the money is intended for, as cash payments could lead to confusion later. If you are turned down for insurance, ask your insurance agency to explain why. It’s possible you could make some small changes and get the insurance you need.
When it’s time to update your manufactured homeowner’s policy or buy a new one, call Premere General at 1-800-798-2288. Get a free quote by visiting our website and filling out the form at www.premereagency.com/quote.php.
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