Cheap Mobile Home Insurance Quotes New Jersey

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Known as the Garden State, New Jersey is made up of small communities. Each of these small communities has distinctive charm that adds to their appeal. These communities are also known for providing affordable housing options for its residents, which also attracts people to move to New Jersey. Among these communities are mobile or manufactured home parks.

The mobile housing sector represents about 9% of the state's housing market. If you are one of these residents who own or are planning to own a mobile home, you need to think about how you can protect your investment with a mobile home insurance policy.

Cheap Mobile Home Insurance Quotes

How does a mobile home insurance policy work?

A mobile home, also known as manufactured home, is a type of housing structure that is built off-site (such as in a factory) and then transported into its final location. This type of housing has its own sets of advantages - the lower cost of acquisition is one of them - but it has its own sets of risks, too. For example, it is considered more prone to damage (versus traditional site-built homes) when exposed to tropical storms, hurricanes, tornadoes, and the like.

The reason for this enhanced risk is the fact that mobile homes are built with lighter materials instead of being built on a foundation. To put it simply, manufactured homes is the term used to refer to this type of housing manufactured in the 1970s. Any new homes built with the new HUD standards are referred to as mobile homes.

Cheap Mobile Home Insurance Quotes

How can you protect your mobile home with insurance?

You can get protection for your mobile home when you secure an insurance policy. The level of protection you get will depend on the type of coverage you choose for your mobile home. If you want to get the best protection, learn more about the coverage you can get.

  • Property damage - This covers the repair or replacement of your mobile home that has been damaged due to natural disasters, fire, or some other causes. It will also cover for other causes of damage like vandalism. Some insurance companies will require you to specify these causes based on the prevailing risks in your area.
  • Liability - This provides protection if you caused bodily injury and property damage that is directly linked to your mobile home. It will cover medical or legal fees, as well as potential settlement amounts.
  • Personal property - This will cover any item of value that is contained within your mobile home that can be lost due to natural disasters (such as flooding) or theft.

How much is the cost of mobile home insurance in New Jersey?

The average cost of mobile home insurance in New Jersey will depend on numerous factors. Most insurance rates start at $600 to as much as $1,000 annually. Different insurance companies will use different set of factors to assess the risks on mobile homes and to provide mobile homeowners the protection they need.

When you compare quotes online, take note of the average cost cited above so you can have an idea on the best policy, especially if you want to save with a cheap policy.

Manufactured Home Insurance Companies Near Me

Best Cheap Mobile Home Insurance New Jersey

Homeowners Insurance Companies NJ

Hooper Ave suite 201C, Toms River, NJ 08753

(732) 645-3753

Complete Insurance Home and homeowners insurance and Flood insurance all of New Jersey and New York

245 Old Hook Rd, Westwood, NJ 07675

(201) 497-8888

Priority Insurance Agency, LLC

17 NJ-37, Toms River, NJ 08753

(732) 800-4516

New Jersey Flood Insurance

50 Harrison St PH 434, Hoboken, NJ 07030

(551) 227-7340

Central Insurance Agency Of New Jersey Inc.

300 Haledon Ave, Prospect Park, NJ 07508

(973) 790-5700

Emad Soliman: Allstate Insurance

844 Bergen Ave, Jersey City, NJ 07306

(201) 332-6999

I & E Insurance Agency Point Pleasant NJ

2900 NJ-88, Point Pleasant, NJ 08742

(732) 295-5584

Home Insurance Agency

241 Newton Sparta Rd, Newton, NJ 07860

(732) 597-6131