Cheap Mobile Home Insurance Quotes Arkansas

Anyone who has experienced the beauty of the Ozarks understands why the state of Arkansas is called The Natural State. From north to south, east to west, Arkansas has something raw, beautiful, and unique to offer. This is why more and more people are moving to Arkansas each year; to live close to the vast American wilderness. Combine that with amazingly mild year-round climate and affordable cost of living, Arkansas is a popular destination for mobile homes as well.

If you're looking to move to Arkansas and live in a mobile home, then you should know that getting mobile home insurance is a must. Not sure how to look? Here is a quick guide to get you started so you can compare and find the best insurance for your needs.

Quick facts about living in mobile homes in Arkansas

Based on census reports and market analysis:

• 13% of residents in the state live in some sort of manufactured home
• Arkansas ranks 10th in the country in terms of number of people living in mobile homes
• Manufactured and mobile homes prices range from $50K to $100K.

What's in a mobile home insurance policy?

If you're looking to apply for a loan to live in a mobile home in Arkansas, then you will be required to have mobile home insurance. Most companies offer:

• Liability coverage - this will pay for the cost of property damage or injury to another person sustained while inside your mobile home. This will cover property repairs, medical treatment, and even court and legal fees should you face lawsuits.
• Property damage - this will pay for damages sustained by your mobile home from severe weather, fire, vandalism, and/or theft.
• Personal property - also known as 'contents coverage', this will pay for replacement and repairs of assets inside your mobile home.

How much insurance do you need?

This may differ from one homeowner to another. The average cost of insurance for mobile homes will also differ based on numerous factors. To determine how much you need and the corresponding rates, it's best to talk to mobile home insurance companies and ask for quotes. You may also have your property evaluated by a professional home assessor.

While it is easy to assume that mobile home insurance are cheaper than site-built homes (since the former is made with lighter and inexpensive materials), this is not always the case. Since mobile homes are made with lighter building materials, they are at higher risk of damage from severe weather.

At the end of the day, the insurance quotes will depend on the location, age and value of the mobile home, deductibles, and the coverage you need. With that said, make sure you make an inventory of all your assets to find out how much contents coverage you need. You can also use online tools to compare the rates and premiums for mobile homes. This is recommended if you want to save on cheap insurance without sacrificing on the protection you can get.

For information on other states, make sure to check the individual pages.