Cheap Mobile Home Insurance Quotes West Virginia

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The entire state of West Virginia is in the Appalachian Mountains, this means around a third of the whole area is covered in forest, hence the nickname "Mountain State". The colors of autumn in this state are absolutely mesmerizing, as the forest is transformed into multitude of colors. Summer is not too hot, thanks to the mountains that keep the temperature down.

One of the biggest draws of this gorgeous state is the competitive cost of living. As a matter of fact, it is 14% cheaper to live in this state than anywhere else in the country. There are a lot of good neighborhoods that offers housing for minimal investments as well. Renting the most expensive apartment can only cost around $1,000 per month, and that is in an expensive city like Charleston. You can find 50% cheaper homes in other cities. If you want to save more and live comfortably, you can opt for mobile homes.

If you plan on living in a mobile home in West Virginia, then you should know about the importance and benefits of mobile home insurance.

Cheap Mobile Home Insurance Quotes

Is mobile home insurance required in West Virginia?

As with most traditional homeowner's insurance, mobile home insurance is not required by law in the state of West Virginia. But there are important reasons why you need to insure your mobile dwelling. For one, if you have it mortgaged, your lender will require you to acquire an insurance policy until you paid off the loan. As a matter of fact, lenders can force their borrowers to get an insurance policy that covers the cost of the mortgage.

Also, most mobile home parks landlords and owners require would-be homeowners to have their mobile dwelling insured to mitigate the risks involved in running and managing their housing community.

Cheap Mobile Home Insurance Quotes

Consider the average cost of acquiring a mobile home, it is only wise to have it insured and protect your finances from the financial burden that could arise from perils like strong wind, storm, fire, lightning, theft, vandalism, etc.

Also, if you live in an area that is prone to flooding or has history of flood, the mortgage company or bank will require you to purchase flood insurance for your mobile home.

What's in a mobile home insurance coverage?

A mobile home insurance policy is largely similar to the traditional homeowner's insurance policy; it provides two basic types of coverage, namely property damage and liability damage.

Property damage coverage - this coverage pays for the repairs and/or rebuilding necessary to fix policy holder's mobile home in case of damage caused by various perils such as wind, storm, hail, lightning, fire, and even theft, and vandalism.

Personal property coverage or replacement cost - this coverage pays the policy holder should their valuables kept inside the mobile home get damaged or stolen from various perils.

Homeowner's liability coverage - this coverage pays for the medical expenses should someone (your guests, park employees, etc.) gets injured due to an accident while inside your property. This will also provide financial assistance for policy holders should they get sued and found liable for the accident that led to injury.

Reimbursements for accommodations - mobile home owners can get reimbursement claims up to their coverage limit should they need to live elsewhere (i.e. hotel) if their mobile home becomes severely damaged by storm, fire, etc., and while it's being fixed.

In many cases, mobile home insurance also provides protection for permanently attached structures in the mobile home, such as tool sheds and garage, or detached structures like decks, and patios.

Depending on your needs, you need to compare various quotes online from different insurance companies. This is the only way you can get the best cheap insurance that will give you the protection you need.

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

Manufactured Home Insurance Companies Near Me

Best Cheap Mobile Home Insurance West Virginia

Wickline Insurance

330 Harper Park Dr, Beckley, WV 25801

(304) 252-1483

Asseff Insurance Agency

335 2nd Ave SW Suite 200, South Charleston, WV 25303

(304) 205-7926

Mountain State Insurance

1206 Kanawha Blvd E, Charleston, WV 25301

(304) 720-2000

Mountaineer Insurance Group

600 Gaston Ave, Fairmont, WV 26554

(304) 366-2200

Henderson Insurance Inc

3275 Teays Valley Road, Hurricane, WV 25526

(304) 562-9681

Bowling Insurance Services

1016 Wal St, Summersville, WV 26651

(304) 872-2300

Pioneer Insurance Agency Inc

200 Davis Ave, Elkins, WV 26241

(304) 636-2300

White Insurance & Associates

3512 Staunton Ave SE, Charleston, WV 25304

(304) 926-6662