You can call it a mobilehome, you can call it a manufactured home, but don't ever call it a trailer! We understand that your mobilehome is anything but mobile. It's your permanent residence and should be respected as one. Call us for a free quote.
Mobilehome Owner's
Insurance
Your Santa Cruz County Agent
For most of us buying a home is one of the biggest steps we take in our lives, and it will also be our most valuable possession. The point of having homeowner’s insurance is to protect your investment and to provide you with peace of mind that in the event of a loss your home and your personal belongings will be replaced. In addition to the standard coverage you can also elect to schedule certain personal property, like Jewelry and Furs that carry a higher value (some items have limited coverage on a policy and need to be scheduled separately).
Christensen and Ebert places all of their mobile home insurance through Foremost Insurance. Foremost is the nation’s leading insurer of mobile homes and has over 50 years experience insuring mobile homes. The policies feature comprehensive coverage-standard. That means that direct, sudden and accidental physical losses that are not specifically excluded in your policy are covered like those listed below:
- Fire
- Vandalism
- Landslide
- Falling Objects
- Explosion
- Off Right-of-Way Collision
- Attempted or Actual Burglary or Robbery
- Water Damage from Bursting Pipes
- Damage from Ink, Paint, Dye, Shoe and Nail Polish
- Damage by Wild or Stray Animals
- Collapse from the weight of ice and snow
- Wind*
- Hail*
Additional Coverages Included With Your Policy
Foremost automatically includes these important coverages in your mobile home policy:
- Additional Living Expenses
- Trees, Shrubs, Plants and Lawns
- Debris Removal
- Emergency Removal Service
- Credit Card and Check Forgery
- Emergency Repairs After a Loss
- Fire Department Service
- Food Spoilage Coverage
Optional Coverages
Foremost offers important optional coverages that let you customize your policy. Some coverages may be subject to company approval or may not be available in all states. These are a few of the most popular coverage options:
- Trip Coverage When Moving Your Home
- Personal Liability Coverage on Additional Residences
- Scheduled Personal Property Coverage
- Earthquake Coverage
- Replacement Cost Coverage for your Mobile Home, Other Structures and Personal Belongings
Settlement Methods
Agreed Loss Settlement. If your home is destroyed by an insured loss, you get the full amount of insurance shown on your Declarations Page for your home, minus any applicable deductible. No hassles, no arguments.
Optional Replacement Cost. Purchase optional Replacement Cost Coverage and get a settlement that reflects the cost to replace the damaged items with new property at today's prices. With this optional coverage you can receive up to 120% of the insured amount, if needed, to replace your home. (Not available in all states.)
Both the Liability coverage and the Medical coverage are included in the policies. It will protect you and your qualified household against potentially negligent acts. It includes, medical payments and the costs to defend you in the event of a lawsuit.
Call us today for a Quote!