Home to the Jack Daniel's Whiskey, Tennessee is considered the heart of the South, yet still quite accessible to the Midwest. Because of this, the state has plenty of Midwestern elements combined with southern hospitality. Overall, the landscapes in The Volunteer State are breathtaking. If you want the convenience and amenities of a big city, and the endless outdoor fun, good food, beer, and music, then Tennessee is for you.
With its vibrant cities, mild year-round weather, and low cost of living, it's easy to understand why the population of this state continuously rises over the years. Generally, most cities and towns in this state are quite reasonable when it comes to cost of living compared to most places in the country. As a matter of fact, many towns in Tennessee consistently rank in the top 100 for the best places to relocate to in the country for its affordability and quality of life.
While your dollar can go a long way in any of the smaller towns in this state, mobile home living can help you save further without compromising on convenience.
If you are planning to move to Tennessee and live in a mobile home, then you should know about the importance of mobile home insurance.
There are no laws in the state that requires would-be mobile homeowners to acquire an insurance home for their mobile dwelling. However, mortgage companies and mobile home parks require homeowners to insure their property before they can do business with them. This means if you are planning to mortgage a mobile home, and place it in a mobile home community, you need to have your dwelling insured.
While the details in the policies may differ across various insurance companies, mobile home insurance policy coverage is pretty similar with your standard homeowners insurance for site-built houses. This means it usually comes with two types of coverage - property coverage and liability coverage.
Property damage coverage - this coverage provides financial protection for the needed repairs and rebuilding of your mobile home should it incur damages from various types of perils, like fire, tornado, storm, and even burglary, and vandalism.
Coverage includes permanent attachments to your mobile dwelling, such as the deck, patio, garage, tool shed, etc.
Personal property coverage - this provides financial protection for your valued assets and belongings kept inside your mobile home should they get damaged from various calamities or stolen.
Liability coverage
Homeowner's liability - this coverage provides financial assistance for your guest or anyone who needs medical attention should they suffer an accident while inside your property.
Should you get sued and found liable due to negligence; your insurer will also provide financial assistance for your legal fees.
Depending on the policy coverage, quotes for mobile home insurance in Tennessee range from $400 to $1,000 per year. Obviously, the actual policy may be higher or lower than this.
And since so many factors dictate the rates of mobile home insurance, it is difficult to precisely say how much you will end up paying for an insurance policy. Your address, presumed value, age, and size of your mobile home can affect the price, as well as your deductibles and coverage limits. Use these factors when you compare online to get the best coverage at the best price.
5865 Ridgeway Center Pkwy #300, Memphis, TN 38120
(901) 767-1890
http://www.riskbustersinsurance.com/
607 Baxter St, Johnson City, TN 37601
(423) 926-7151
https://widenerins.com/
2451 Atrium Way, Nashville, TN 37214
(615) 884-3535
https://www.hqinsurance.com/
1307 West Ave Ste 108, Crossville, TN 38555
(931) 484-5853
https://agents.allstate.com/brad-hardman-crossville-tn.html
5000 Clayton Rd, Maryville, TN 37804
(844) 515-9974
https://homefirstagency.com/
2859 Fort Campbell Blvd, Clarksville, TN 37042
(931) 431-4551
https://www.clarksvilleinsurance.net/
804 W Main St, Morristown, TN 37814
(423) 587-3558
https://www.samneillinsurance.com/
400 Court Ave, Sevierville, TN 37862
(865) 453-1414
https://www.ownbyinsurance.com/