Cheap Mobile Home Insurance Quotes Iowa

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Iowa is an incredible place for anyone looking to jumpstart their careers, start a family, or even retire. This Midwest state offers tons of job opportunities, beautiful natural landscapes, outdoor activities, and friendly people. Entrepreneurs flock the state for its low tax rates and incredible pool of talent, thanks to the presence of educational institutions in the state.

Another good reason to live in Iowa is the affordable cost of living. As a matter of fact, the average cost of living in Iowa is 10 to 15% lower than any other states in the country. That includes transportation, commodities, and utilities cost. Also, median housing cost is up to 40% lower than the national average.

If you want to save even more, you can opt for mobile homes, which are also cheaper than traditional houses.

If you're looking to relocate in Iowa and live in a mobile home, then you should consider getting mobile home insurance.

What is in a mobile home insurance policy?

Mobile home insurance coverage works similar to standard and traditional homeowners insurance - it provides protection for the policy holder's dwelling and property, possessions, and liability protection.

Also, like a standard homeowner's insurance, most insurance companies allow their mobile home insurance policy holders to customize their policies through endorsements to supplement the standard policy. Endorsements provide additional coverage that doesn't usually come with standard homeowner's insurance. This includes water damage, debris removal, just to name a few.

Since manufactured or mobile homes are made with light construction materials, they are more susceptible to damage from harsh weather and fire. Here is the common coverage offered by mobile home insurance policies:

Dwelling coverage - this coverage provides financial protection and pays for repair or rebuild of the policy holder's dwelling and property caused by covered peril. For example: if a fire broke out and caused a wall in your mobile home to collapse, you are financial protected under dwelling coverage. Depending on your policy, you can have protection for other structures connected to your mobile home, such as a deck, patio, etc.

Personal property coverage - this coverage provides financial protection and will pay for your personal possessions, should they get damaged, stolen, etc. For example: If a burglar breaks into your house and steals your jewelry, laptop, etc. You would be covered. Note that you need to include these items in your deductible to make a claim.

Liability protection coverage - this coverage provides financial protection should someone incurs an injury while inside your property. For example: If your guest is struck by a falling tree branch and gets injured, your insurance provider will pay for the damages and medical fees of your guest. Note that your insurance provider will only pay for the financial protection up to your coverage limit.

Other structures - This provides protection for repair and rebuilding of extra and permanent structures attached to your mobile home, such as garage, tool shed, etc.
Additional living expense - If you are unable to live in your mobile home due to a serious damage to your property, you will be financially compensated by your insurer so you can live elsewhere, such as hotel, etc., up to your coverage limit.

Shop around and compare quotes from different insurance companies to get the best value for money, especially if you want to get a cheap policy. Also, make sure you consider customer rating and customer satisfactory when you compare insurance companies. Get different quotes so you have an idea of the average cost of insurance for your policy. This is how you can ensure that your rates are reasonable without compromising on the coverage and protection.

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

Manufactured Home Insurance Companies Near Me

Relion Insurance Solutions

24 Westside Dr, Iowa City, IA 52246

(319) 887-3700

https://www.relion-ins.com/

The Sinnott Agency, Inc.

622 W 4th St, Waterloo, IA 50702

(319) 233-6103

http://www.sinnottagency.com/

Haines Insurance

408 S Monroe Ave, Mason City, IA 50401

(641) 423-9000

https://hainesinsuranceagency.com/

Sands Insurance

1450 SW Vintage Pkwy #220, Ankeny, IA 50023

(515) 531-5193

https://www.sands-insurance.com/

Chad Burtch - State Farm Insurance Agent

1929 Keokuk St, Iowa City, IA 52240

(319) 351-1001

http://www.chadburtch.org/

Clemon Maki Insurance

220 1st Ave W, Newton, IA 50208

(641) 792-5040

http://www.clemonmaki.com/

Shankland Insurance

1006 N Grand Ave, Charles City, IA 50616

(641) 228-7436

http://www.shanklandinsurance.com/

The Insurance Specialists Inc

514 E Euclid Ave, Des Moines, IA 50313

(515) 280-1207

https://www.insspecinc.com/