Mobile Home Insurance in Fairfield and Clifton, NJ

Specialized Security for Your Home and Property.

Mobile home insurance is like homeowners insurance for your specialized home. There are two main types of mobile home insurance to choose from, depending on your needs. The agents at Allwood Forlenza Agency Inc. are ready to help you get started.

What Types of Mobile Homes Need Coverage?

There are two common types of mobile homes for which you might be seeking coverage: modular homes and manufactured homes.

Modular homes have the following characteristics:

Built off-site in a factory and then transported to a specific location
May be on a permanent foundation instead of being tied down
Can be placed on a basement or crawlspace
May have multiple levels
Manufactured to satisfy local and state building codes

Manufactured homes have the following characteristics:

Constructed on a movable steel chassis with just one level
Manufactured in sections and transported to the building site on wheels
Typically less expensive per square foot than site-built homes
Can be placed on a basement or crawlspace

Built to conform to federal (Housing and Urban Development) building codes

If you have further questions about which category your home is in, reach out to an agent for further discussion.

What Does Mobile Home Insurance Cover?

Mobile home insurance has several common areas of coverage for your mobile home, including:

Dwelling—helps replace or repair the physical structure of your home if damaged by a covered peril.

Belongings—helps replace your personal property such as furniture, appliances, clothing and electronics up to a specific limit.
Liability—helps cover someone else’s injury or personal property if a household member is responsible.
Loss of use—helps pay for meals and hotel costs if you can’t live in your home due to a covered loss.

There are extra coverages available as well that aren’t as common, such as:

Replacement cost coverage—helps provide finds to repair or replace what’s damaged without depreciating value.

Trip collision coverage—helps protect against damage during a move that lasts over 30 days.

The best way to determine the coverage you’ll need for your mobile home is to speak with an agent.

What Does Mobile Home Insurance Cost?

The cost of your mobile home insurance will vary and may depend on the age of your home, location, limits and claims history. Discuss your mobile home with an agent to get a quote today.

Learn More About Mobile Home Insurance

At Allwood Forlenza Agency, we know how important it is to have the right coverage for your home. Reach out to an agent today to get started with mobile home insurance.