We're excited to make sure you get the coverage you need.
Whether you call it a manufactured home, or a mobile home, it is understood that the insurance requirements are different than for a “site built” home. Many of the companies we represent have options for Comprehensive protection which covers any cause of loss (fire, lightning, wind, hail, explosion, burst water pipes, and more) unless that cause is specifically excluded in the policy documents. There is also the “Stated value loss settlement” that some offer, for a total loss can be settled at the stated value of your home which is listed on your policy. There is no depreciation deduction. For a partial loss, they pay the actual cash value of the loss, but you can upgrade that to a replacement cost valuation. Call us at Horizon to see how we can help you today.