Cheap Mobile Home Insurance Quotes Idaho

Nicknamed the Gem State, Idaho has lots of treasures to offer. Yes, gemstones can be found all over the state, but the real treasure of this state is the beautiful vast landscape and buzzing cities.

While it may not be the first place that comes to mind when choosing which state to live in, Idaho is truly a "hidden gem". The state has a good combination of huge metropolitan cities and endless mountains, green hill slides, and rivers. That is why it's becoming a great option for anyone looking for more of that outdoor adventure kind of lifestyle. Subsequently, mobile homes are a popular dwelling of choice for many people in the state - to live simply and enjoy the outdoors. As a matter of fact, it is the second most popular residential dwelling type in Idaho.

If you're thinking of moving to Idaho and in the market for mobile home, then you should definitely consider getting mobile home insurance, as well.

What is the mobile home insurance for?

It's no secret that manufactured and mobile home offer incredibly cheap housing option when compared to traditional and site-built homes. However, they are mostly made up of lighter materials, which is by design as it makes them easy to move around and install in your desired location. This also makes mobile homes more susceptible to various elements of nature.

Harsh weather conditions can fast-track the wear and tear of the structure. Also, light construction materials are at higher risk of fire damage. As a matter of fact, a study conducted from 2007-2011 by the National Fire Protection Association (NFPA) shows an average of 11,400 structure fires in mobile and manufactured homes each year. This resulted in 434 injuries and 206 civilian fatalities, with more than $179 million in direct property damage.

Is it different from traditional homeowner's insurance?

For many insurance companies, yes. As a matter of fact, most of them categorize mobile homes different from site-built and traditional structures.

Since manufactured houses and 1mobile homes are built using light materials, making them more susceptible to various perils, insurance companies impose them with different premium rates, which is higher than traditional home insurance policies.

What dictates the price of home insurance premium rates?

A lot of factors are considered in setting the average cost of mobile home insurance coverage. These factors include location, age and value of the mobile home, your assets and belongings that you leave inside the mobile home, size of the structure, coverage limit you set, preferred deductible, installed security and safety systems, and more.

To get the best protection and value for your money, shop around for various mobile home insurance quotes from different companies. There are also tools and websites that enable you to compare online, which allows you to save time and effort in doing your research to find the best policy.

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