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
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
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.
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.
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,
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
330 Harper Park Dr, Beckley, WV 25801
Asseff Insurance Agency
335 2nd Ave SW Suite 200, South Charleston, WV 25303
Mountain State Insurance
1206 Kanawha Blvd E, Charleston, WV 25301
Mountaineer Insurance Group
600 Gaston Ave, Fairmont, WV 26554
Henderson Insurance Inc
3275 Teays Valley Road, Hurricane, WV 25526
Bowling Insurance Services
1016 Wal St, Summersville, WV 26651
Pioneer Insurance Agency Inc
200 Davis Ave, Elkins, WV 26241
White Insurance & Associates
3512 Staunton Ave SE, Charleston, WV 25304