Cheap Mobile Home Insurance Quotes North Carolina

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Mobile homes have transformed significantly since they were first introduced into the housing market in North Carolina. From simple trailer homes, they are now available in stylish designs with modern amenities. In fact, you can find ones with two-story models. In North Carolina, if you own a mobile home, you need to think about securing your investment with an insurance policy. If you're not sure where to start, this guide will tell you more about how to get the right coverage.

Obtaining home insurance is not a requirement but lenders might look for one if you are going to get a loan to fund your mobile home purchase.

Cheap Mobile Home Insurance Quotes

Mobile Home Risks in North Carolina

Mobile homes are not site-built so they are not as structurally sound as traditional homes. This brings about a ton of weather-related concerns when owning this type of residence. The mobile home is at risk to suffering damage all kinds of weather catastrophes. On top of the risks in terms of weather is a hurricane. The state of North Carolina ranks 8th in the US in terms of storm surge risk, which means you need to be prepared for flooding, storm surges and wind damage to your property.

Flooding is also a risk in North Carolina. The most recent major flood was in 1999 (Hurricane Floyd). When this happens again, your mobile home is at risk for thousands worth of damage to your personal property.

Aside from the weather concerns, property crimes are another area of concern for mobile homeowners. Burglary is fairly common in major cities such as Charlotte, Greensboro, Durham, and Wilmington.

Cheap Mobile Home Insurance Quotes

Rates and Coverage for Mobile Home Insurance in North Carolina

In North Carolina, there are over 200,000 mobile homes. The popularity of mobile homes in the state means that there are adequate options for anyone looking for insurance coverage at reasonable rates. It will depend on which company you are getting your policy from, so be sure to shop around to know your options.

It is important to emphasize the need to find reasonably priced insurance rates rather than a cheap policy because this type of insurance is more expensive than traditional homeowners insurance. The lack of foundation on this type of housing can be attributed to that. But if you know how to shop around and compare online, you can find insurance companies that offer discounts or reasonable rates if you go for a higher deductible.

Mobile home insurance is still a niche market so it is difficult to pin down exactly the cost of this type of policy. The average annual cost for mobile home insurance in North Carolina is $1,086 (as of 2017). This is slightly lower than the national average of $1,211.

This rate has been steady, too, which means it has not significantly gone up over the past few years. This could change as the demand for mobile homeowners insurance grows over time. Still, you want to gather quotes from various companies to help you pick the best policy for your budget.

Manufactured Home Insurance Companies Near Me

Best Cheap Mobile Home Insurance North Carolina

North Carolina Coastal Insurance

3410 River Rd, Wilmington, NC 28412

(910) 591-1010

Pegram Insurance

9010 Glenwater Dr #103, Charlotte, NC 28262

(704) 494-9495

NC Farm Bureau Insurance

1211 NC-24 W, Albemarle, NC 28001

(704) 982-0113

Lipstone Insurance Group

208 New Edition Ct, Cary, NC 27511

(919) 463-5300

Don Bullard Insurance

701 N Howe St STE 1, Southport, NC 28461

(910) 294-0432

Affordable Insurance Service of NC

104 Joel Wright Dr, Hendersonville, NC 28792

(828) 697-2229

Don Bullard Insurance

4709 Oleander Dr, Wilmington, NC 28403

(910) 791-5400

NC Farm Bureau Insurance

140 NC-42, Asheboro, NC 27203

(336) 629-9187