manfactured home.jpg

Manufactured Home Insurance 

First Choice Insurance Services is Long Island's Leading provider of Manufactured Insurance. Our extensive network of carriers give us the ability to competitively quote a wide range of insurance types.

Folks who need mobile home insurance love the large selection and levels of protection our carriers can offer. Mobile home or manufactured home insurance policy protects your dwellings structure and personal property, as well as offering liability coverage to help protect against lawsuits. Moving? We can help add transport protection so your mobile or manufactured home will be covered even while being transported! Our team of expert agents will help you find a low-cost mobile home insurance option that will protect all your property, income, and assets. Don't forget to mention if your mobile home is anchored, this may qualify you for "tied down mobile home insurance rates' which could drastically reduce your annual expenses.

Speak with a specialist today to learn more about mobile or manufactured home insurance.


Is Manufactured/Mobile Home Insurance Required?

If the mobile home is being purchased in a finance agreement or held on a property which requires insurance then our team must work with the appropriate parties to ensure the property is properly insured. If you own the property and the structure in which it is located on it then the choice is yours. You may come to find as several of our existing clients have that this is not the most cost-effective way to manage your assets. Mobile homes are valued on average 80,000 dollars depending on the size and quality. Even if you accumulated savings of not paying insurance premiums it would take over 100 years to replace the average mobile home. The average loss from a mobile home insurance claim happens every ten years and costs about $12,000 insurance over that same ten year period cost on average $8,000 so it is always advised you protect your net worth by having coverage.

How much will Manufactured/Mobile Home Insurance Cost?

In New York the average mobile home insurance policy costs about $800 per year however all insurance is priced on a case-by-case basis. To determine a cost for your mobile home insurance policy we consider a few factors such as your credit, your loss history, as well as the structure, contents, and liability exposure. Don't forget to mention if your mobile home is anchored, this may qualify you for "tied down mobile home insurance rates' which could drastically reduce your annual expenses!

What does Manufactured/Mobile Home Insurance Cover?

Even though manufactured or mobile homes are built in another location and transported to there address they are treated just like single-family homes when it comes to insurance. Your mobile home and its contents are protected from physical damage such as fire, hail, or theft/vandalism. The policy will also have some coverage towards a lawsuit that your found liable for the harm to another. Other optional coverages may include but are not limited, Green improvement reimbursement meaning insurance may cover the additional cost of replacing damaged or destroyed covered items with a more energy-efficient item. Yard and garden coverage will increase the limits for the cost of items such as trees, landscaping, and riding lawnmowers. An important additional coverage for all dwellings is Water backup coverage, this means water damage caused by your drain backing up or sump pump breaking will be covered.

Interested in a Manufactured/Mobile Home Insurance quote 

Call us today 631-392-4415

mobile home.jpg

What will your Manufactured Home insurance cover:

Dwelling insurance/Building coverage - May pay for the interior structures and finishings of the property due to a covered loss.

Debris Removal Insurance - This covers the cost to remove any fallen debris in the event of a covered loss

Glass Insurance - This covers glass both functional and architectural on the exterior of your house due to a covered loss

Other structures coverage - This also known as other structures coverage. It pays towards replacing other permanent structures which you don't dwell in that are located on your property such as fences, awnings, Sheds, garaged and pool house

Personal Insurance- This may cover personal injury, slander, and other punitive claims

Family liability insurance-  This will pay for bodily injury and lost wages that are a result of injuries which you are found liable for as they occurred in the home.

Guest medical- Payments this is a set amount of money that will be given for the personal injury of guests while they are in your house.

Loss Assessments - This is a set amount of money insurance that will provide for a loss assessment which will allow a homeowner association to repair any exterior structures and finishings.

Additional Living Expense- This covers your hotel or other living expense when you have been displaced after a covered loss

Personal Property- This covers the contents of your home- any personal belongings which stay in the home. There are normally limits on particular high-value items.

Select value property insurance- This allows you to select a value for specific personal property that you would like to replace for a specific value.

Personal Property Off-Premises - This covers the contents of your home any personal belongings which you have brought with you away from your home.

Water back up Insurance - This covers water which may back up into your house from external water treatment due to a covered loss.

Improvements, Alterations, and Additions - This increases your dwelling coverage to account for potential improvements and alterations.

Reasonable Repairs Coverage - This may pay for any reasonable costs incurred to protect insured property from further damage if the cause of loss is covered.

Fire Department Fee Insurance - This covers fees associated with the fire department in the event of a covered loss.

Lawn, Tree and Plant Insurance - This will pay to replace some of the landscaping in the event of a covered loss.

Electronics Insurance - This coverage towards replacing stolen or damaged electronics in the event of a covered loss.

Crime Insurance - This covers your home from damage due to vandalism and malicious mischief.

Flood insurance - a specific policy designed to cover your home from damage due to flood.

Coastal Homeowners Insurance - providers who specialize in homes which are close to bodies of water.

Identity Theft Expense - This provides a set amount of funds in the event that your identity is stolen.

Death Indemnity - A small amount of money that pays if an accident leads to death.