Cheap Mobile Home Insurance Quotes Arkansas
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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 makes mobile home insurance different from their traditional
Like traditional home insurance, mobile home insurance provides homeowners
coverage from different types of perils. Unlike the traditional home
insurance, however, the mobile version is crafted to cover specific risks
inherent in both manufactured and mobile homes.
Manufactured homes, for example, are built inside a factory using light
materials. They are then transported to the site where they are tied down
or anchored for stability. Since they are built differently than
traditional houses, they require special insurance that protects them from
added risk of moving and strapping down.
Modular homes, on the other hand, can be secured using traditional
homeowner's insurance policy, since they are built on a concrete
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
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
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
For information on other states, make sure to check the individual pages.
Manufactured Home Insurance Companies Near Me
Arkansas Insurance Advisors
11621 Rainwood Rd Suite 8, Little Rock, AR 72212
Natural State Insurance Group
155 E Fantinel Dr Suite B, Springdale, AR 72762
2798 S 2nd St, Cabot, AR 72023
506 Holcomb St, Springdale, AR 72764
1035 N Hwy 71, Alma, AR 72921
Arkansas Mobile Home Village
11311 Alexander Rd, Mabelvale, AR 72103
No phone number found
No website found
Moss Insurance Group
803 S Dogwood St, Siloam Springs, AR 72761