Cheap Mobile Home Insurance Quotes Illinois

Home of the Windy City, the Midwestern state of Illinois offers a wide variety of attractions, opportunities, and wonders. The Prairie State combines small town charm and the expediency of huge metropolitan cities. Plus, the overall friendliness of the locals and the affordable cost of living makes the state a great option for anyone looking to live in a lively community.

Compared to its neighboring states, housing is pretty cheap in Illinois. This is why more and more people are relocating in the state to jumpstart their careers, start a family, or even to retire. One growing market in Illinois is mobile home living.

Is it required by law?

The state does not require mobile home owners to get mobile home insurance coverage. However, mortgage companies and mobile home parks require this type of insurance policy. And since the state is susceptible to harsh weather, such as strong winds, it is never a bad idea to protect your property and assets.

What's in a mobile home insurance coverage?

When you compare mobile home insurance online, make sure you get the following coverage:

• Comprehensive - this covers damages caused by fire, theft, vandalism, severe weather conditions, etc. As with traditional homeowner's insurance, there will be exceptions. Thus, make sure you check your policy. Also, companies vary in specifics in the coverage and the part of the state where you live. So check it with the insurer as well.
• Bodily injury liability - this covers you from medical expenses in case someone incurs injury when inside your property. Some insurers also provide legal support in case you get sued due to negligence, etc.
• Personal property - this protects your assets and belongings inside and outside your mobile home, in case they get stolen, vandalized, etc. This applies to your expensive artwork, antiques, furniture, appliances, etc.

Note that many policies have exceptions to their terms. Thus, it is best to allow insurance companies to define what they will cover under what circumstances. Also, you can compare and contrast policies and quotes from different insurance companies online to make sure you get the best protection you need. This is important if you want to get cheap rates on your policy.