Mobile Home Insurance in Arizona
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|Arizona Home Insurance Facts||Details|
|Median Home Prices||$241,660|
|Biggest Home Insurance Company||State Farm|
|Average Annual Rate||$825|
|Direct Premiums Written Annually||$1,687,244,000|
|Homeowners Insurance Incurred Losses||$1,028,336,000|
|* Stats displayed are for entire Arizona housing market which includes mobile homes.|
Mobile home ownership is growing in Arizona, but insurance for mobile homes is still a niche market for most companies, making the comparison of mobile home versus home insurance often doubly hard and even more time-consuming. When looking for mobile home insurance, Arizona residents will find most quoted prices are not even available for mobile homes.
So, how much is homeowners insurance for a mobile home in Arizona? What should I look for in a mobile home insurance policy? Is mobile home insurance more expensive? Which insurance companies cover mobile homes in Arizona? Who has the best mobile home insurance coverage? You can find out all you need to know about how to find the best mobile home insurance in Arizona with our detailed guide.
If you want to get a jump start on the whole purchasing process and find Arizona mobile home insurance rates, then try out our free online quote engine. All you have to do is type in your ZIP code, and we will provide you with estimates from the leading Arizona mobile home insurance companies in no time. It’s that simple.
Arizona Mobile Home Insurance Coverage Rates
What is covered in a mobile home policy? Standard mobile home insurance coverage options, which include dwelling, other structures, personal property, liability, and loss of use, are on average the same state by state, but the rates for those coverage options do vary in price depending on your location, age of home, and type of manufactured home.
To give you a better idea of where you stand price-wise for an insurance policy covering your mobile home in Arizona, we have gathered some average rates from the top insurance companies that are particular to the state.
Average Mobile Home Insurance Rates In Arizona
Coverage options are important, but when it comes down to it, the actual mobile home insurance quotes are still a top priority for most mobile homeowners. What good is a policy that provides all your coverage needs if you can’t afford to pay the premium?
The table below gives you an overview of the average rates for home insurance in Arizona.
|States||Average 2017 Rates||Average 2016 Rates||Average 2015 Rates|
These rates are an average for all types of homeownership in Arizona, so they do not directly apply to mobile home ownership. It is not the best snapshot for how much homeowners insurance is for a mobile home as those types of insurance policies are generally higher than your standard home insurance. However, it does give you an idea of what the insurance market looks like in Arizona.
As the data provided shows, Arizona’s average homeowners insurance rate is significantly lower than the national average. The difference of $200 may not seem like a lot, but it certainly adds up over time.
And depending on your mobile home location, age, and quality, you can expect from a brief overview of these figures to spend significantly less on your mobile home insurance needs than you would in another state in the nation. Of course, older mobile home insurance rates will be higher, but in general, you’d rarely hear the question why is mobile home insurance expensive in Arizona.
Additional Coverage in Arizona
Risk factors such as flooding and earthquakes are important when discussing what to know about insuring a mobile home in Arizona. Parts of Arizona can be prone to both natural disaster events.
Flood damage is excluded under standard homeowners and renters insurance policies. However, flood coverage is available as a separate policy from the National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA), and from some private insurers.
|Total Number of Claims||Total Claim Payments (in million dollars)|
Arizona is not immune to flooding, but currently has a very low risk as shown in the chart above. In comparison to more coastal regions, it probably is not a high priority to look into flood insurance for your mobile home. However, you should be aware of your location and check Fema’s FloodSmart site to see if your mobile home location is in a high-risk, flood-prone area.
According to ILL, Arizona carries a total of 31,131 flood policies for an estimated $7,982.4 million. This suggests that although flooding is low risk in most areas of Arizona, there are those regions of the state that may be more susceptible to flooding. Be sure to check your area and purchase flood insurance accordingly.
Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary Arizona homeowners insurance policies do not cover earthquake loss.
Since the number of earthquakes in the U.S. has increased dramatically since 2001, Arizona mobile homeowners may want to purchase additional earthquake insurance; a quick survey of the changes in earthquake frequency in the southwestern region of the U.S. shows significant increases in just a ten year period.
In 2000, there were only 2,342 earthquakes while the figures for 2010 show an increase of close to 6,000 events at a grand total of 8,496.
In the past century or more, 14 tremors of intensity V to VII have centered within Arizona’s borders. Probably the most famous earthquake in this region occurred in 1887 near Bavispe, Mexico, about 190 miles southeast of Tucson.
Since mobile homes may be more at risk for damage from earthquakes, Arizona mobile homeowners should speak with their insurance agent about the costs and needs of adding on earthquake insurance. Earthquake insurance can often be costly, so many mobile homeowners do not add it to their existing policies. However, it is important to know your options.
Add-Ons, Endorsements, and Riders in Arizona
As mentioned previously, what is covered in a mobile home policy does not differ state to state, but the available add-ons can vary depending on which state you live in as well as which insurance company you choose as your primary source of coverage.
Add-ons, endorsements, and riders are policy options generally not covered under your standard mobile home insurance plan, and mobile homeowners are given the option of “adding-on” coverage for an additional charge.
Are there any policy riders I should consider? We have provided a shortlist of add-ons, endorsements, and riders that are particular to the Arizona area.
- Sewer and Water Backup: This coverage helps cover the cost to clean up and repair in case of a sump pump failure.
- Equipment Breakdown: This provides additional coverage for appliances that may break or be damaged within your home.
- Inflation Guard/Guaranteed Replacement Cost: This coverage automatically increases the amount of dwelling insurance to help prevent your home from being underinsured.
- Personal Property Replacement Cost: what it would cost to completely replace your house or the damaged part of a house. In reference to private property, it is the cost to replace the contents of the house or your personal property with new items of “like kind and quality”, and the amount paid may be affected by depreciation.
- Home Business: This coverage would cover any damages to a business run at home.
- Watercraft: This coverage would be for any boat or water vehicle.
- Identity Theft: This coverage would add additional coverage options in case of identity theft.
- Personal Injury: This coverage would provide additional liability coverage in case you, a family member, or a third party are injured on your property.
- Secondary Residence: This would be an additional policy added on to your existing to cover a temporary residence.
- Limited-Term Endorsements: This offers coverage when vacancy permits for home renovation or fumigation.
- Floaters/Riders for high-value items:
- Fine arts
- Computer hardware and software
- Business personal property
We would like to point out that it is important that you consult with your chosen insurance company to go over your mobile home insurance coverage checklist for the particulars of your policy to find out what is and what is not covered. There is nothing worse than finding out you were not covered for damages especially when you could have been covered with these additional coverage options.
Arizona Homeowners Insurance Exclusions
Exclusions eliminate coverage for some type of risk. Most insurance policies are very broad and not too specific, they use exclusions to take away coverage for unwanted risks. Here are some reasons coverage may be excluded:
- Catastrophic — war is a common exclusion, as it will likely affect a huge number of people, damage caused by war would not be covered.
- Covered elsewhere — if a cause of loss is covered by another type of policy, the insurance company will avoid double coverage.
- Easy to control — if the damage could be easily prevented by an insured, that may be excluded. A common example would be excluding damage to personal property left out in the open caused by rain, snow, ice, or sleet.
- Not accidental — Most policies will not cover damage caused on purpose.
- Wear and tear — if proper maintenance or replacement would have prevented the damage, normal wear and tear are not covered.
It is important to review your policy and ask your agent any questions you have about coverage.
So, what isn’t covered in a mobile home policy? For Arizona, the most important exclusion would probably be earthquakes. The area is more prone to earthquakes so mobile homeowners will want to understand what is and what is not covered in case of earthquake damage.
The state also passed new laws that forbid Arizona’s cities and counties from enacting or enforcing breed-based dog regulations. BSL is still in effect in hundreds of jurisdictions across the country, but with Arizona’s new law, 20 states now have so-called “BSL-preemption” laws.
Best Arizona Home Insurance Companies
Since mobile home insurance is still a niche market for most companies, it is sometimes twice as hard to find an insurance company that will provide the coverage you need at a price you can afford.
Fortunately, Arizona has a growing mobile home community making the search a little easier. To even the playing field, though, we have gone through the local stats to find you who has the cheapest mobile home insurance in Arizona.
With this key information in hand, you should be better able to find the cheapest mobile home insurance company offering the right coverage to meet your needs.
Largest Mobile Home Insurance Companies in Arizona Financial Rating
A lender would not provide you a loan without doing a thorough background credit check, and you should not invest in an insurance company without doing the same. Before choosing an insurance company, you need to make sure that it has a solid financial background so that when damage or loss occurs, it will be able to pay out your claims.
A.M. Best is the top credit ranking agencies in the insurance business providing financial ratings for insurance companies, so you can make a better-educated decision when choosing the right mobile home insurance provider.
Below is a chart with the top ten insurance providers as well as their ratings from A.M. Best.
|Rank||Companies||Direct Premiums Written||Market Share||A.M. Best Financial Rating|
|1||State Farm||$312,537||17.4%||A++ (Stable)|
|2||Farmers Insurance Group||218,043||12.1||NR|
|3||USAA Insurance Group||166,150||9.3||A++ (Stable)|
|4||Liberty Mutual||156,950||8.7||A (Stable)|
|5||American Family Insurance Group||155,713||8.7||NR|
|6||Allstate Corp.||152,916||8.5||A+ (Stable)|
|7||Travelers Companies Inc.||93,867||5.2||A++ (Stable)|
|8||Hartford Financial Services||42,023||2.3||NR|
|9||CSAA Insurance Exchange||38,157||2.1||A (Stable)|
The information provided above is for the entire home insurance industry in Arizona which includes the mobile home division of insurance. It is not an exact picture of mobile home insurance companies, but it is a good jumping-off point to see which companies provide the best mobile home insurance policies with credit rankings in your area.
So, which of these home insurance companies covers mobile home insurance? Each of the top 10 insurance companies in Arizona provides some form of mobile home insurance either through the parent company or a subsidiary.
State Farm by far is the most popular provider with strong financial backing. However, any of the top ten companies all seem to have above favorable financial rankings and would make for a solid investment for your mobile home insurance policy.
Foremost mobile home insurance, would take second as it is a subsidiary of Farmers, which has a large hold of the home insurance market in Arizona. Other national heavy hitters, like Allstate mobile home insurance, each have above-average financial ratings making for good candidates for mobile home coverage.
Other top companies in the field, like Assurant mobile home insurance or even Geico Mobile Home insurance, do not show up on this top ten list as their specialty is in the mobile home market. This chart is measuring the entire home insurance market in Arizona. However, Assurant acts as a subsidiary of Liberty Mutual which places fourth overall in financial rankings making the company a trusted investment for mobile home coverage.
Arizona Companies with the Best Ratings
Financial stability is definitely important when picking a mobile home insurance company, but customer service and the quality of insurance coverage offered can be equally as important. What good is a financially stable mobile home insurance company if it is impossible to file a claim or receive a payout for said claims?
In order to find the best customer service in the mobile home insurance market, we turn to J.D. Power, leading customer service and quality product analyst. J.D. Power has made a name for itself in the auto industry. It also conducts yearly studies to measure customer service and product quality in the insurance industry.
Below is a table of the top 10 Arizona home insurance companies and how they ranked in the J.D. Power Home Insurance Study.
|Rank||Companies||J.D. Power Customer Satisfaction Rating (Out of 1,000 Points)|
|2||Farmers Insurance Group||808|
|3||USAA Insurance Group||878|
|5||American Family Insurance Group||808|
|7||Travelers Companies Inc.||796|
|8||Hartford Financial Services||806|
|9||CSAA Insurance Exchange||807|
The J.D. Powers Home Insurance Study for 2019 is not a regional survey limited to Arizona, but an insurance company’s overall grade in customer service is just as useful when choosing the right mobile home coverage.
Each of the top 10 insurance companies in Arizona scored well in the J.D. Power home insurance study with most rated above 800 points, which is more than favorable. But which of these insurance companies cover mobile homes?
Each of the top six insurance companies in Arizona offers some form of mobile home insurance either themselves or through a subsidiary company. For example, Liberty Mutual Insurance Company can assist you in purchasing mobile home coverage from Assurant, a leading mobile home insurance company.
Companies with Most Complaints in Arizona
The National Association of Insurance is a watchdog organization that holds the insurance industry up to higher standards. The company measures complaints from individual insurance companies to help consumers make better-educated decisions when purchasing their insurance policies.
The table below lists the NAIC number of complaints and complaint index scores for the top ten insurance companies in Arizona.
|Rank||Companies||NAIC Recorded Complaints||NAIC Complaint Index Score|
|2||Farmers Insurance Group||1||0.34|
|3||USAA Insurance Group||0||0.49|
|5||American Family Insurance Group||0||0.72|
|7||Travelers Companies Inc.||0||0|
|8||Hartford Financial Services||0||3.63|
|9||CSAA Insurance Exchange||4||3.71|
The data above is for the entire home insurance market which includes the mobile home division of insurance. The number of home insurance complaints in Arizona is minimal which is a good sign for mobile homeowners.
State Farm has the most complaints, which most likely has more to do with the size of the company and a large number of policies than it does with the company’s degree of customer service. The rest of the top ten show limited or no complaints.
The NAIC complaint index score in the table is a national average of complaints about each company. With the national average measured at one, the only companies that provide red flags in mobile home insurance policies are those at the bottom of the list, so you may want to tread cautiously if planning on purchasing a mobile home insurance policy from them.
Largest Home Insurance Companies in Arizona
There are benefits to larger insurance companies, such as assurances that your claims will be paid out. However, smaller companies may provide more hands-on customer service. You should take both of these options into consideration when making your decision for mobile home insurance coverage. The table below lists the top ten home insurance companies in Arizona.
|Rank||Companies||Direct Premiums Written||Market Share|
|2||Farmers Insurance Group||$218,043||12.1%|
|3||USAA Insurance Group||$166,150||9.3%|
|5||American Family Insurance Group||$155,713||8.7%|
|7||Travelers Companies Inc.||$93,867||5.2%|
|8||Hartford Financial Services||$42,023||2.3%|
|9||CSAA Insurance Exchange||$38,157||2.1%|
The largest home insurance company is clearly State Farm with the top five being rounded out by Farmers, USAA, Liberty Mutual, and American Family. Each of these companies offers mobile home insurance and should have no problem paying out claims in the near future.
Number of Insurers in Arizona
The number of insurers within a state is measured by whether they are domestic or foreign. Domestic insurance companies would have their main headquarters located within the state of Arizona while foreign would mean that the insurance company’s headquarters is located elsewhere.
Arizona currently has 40 domestic home insurance companies and 943 foreign. The foreign far outweighs the domestic when it comes to home insurance within Arizona, but what does this mean for you as a mobile homeowner?
Is it better to buy mobile home insurance online or through an independent agent?
For the most part, foreign and domestic insurance company differences are very limited in the modern age. Technology has allowed foreign companies to operate in other states without missing a beat. However, domestic insurance companies would have a more intimate knowledge of Arizona and the needs of the state’s mobile homeowners.
Is mobile home insurance more expensive than other homeowners policies? Find out right now with our free online quote option. You simply type in your ZIP code, and we’ll send you a list of detailed mobile home insurance quotes from multiple insurance companies.
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Arizona Homeowners Insurance Law
The laws governing insurance for mobile homeowners are generally the same state by state. There can be some differences, though, so, in the section below, we discuss the mobile homeowner’s insurance laws that apply to Arizona residents to help you better evaluate the pros and cons of insuring a mobile home in Arizona.
Home Insurance Laws in Arizona
You are not required by law to purchase homeowners insurance for your mobile home. But, many mortgage companies and trailer parks require proof of insurance.
High-Risk Insurance in Arizona
Mobile homeowners in areas that are prone to high risk of damage such as flood plains or those prone to wildfires may have difficulty securing a fair and affordable insurance policy. In these areas, insurance prices can either be very high or severely limited as most insurance companies have moved out of the areas.
So, if you are residing in high-risk areas and policies are too pricey through most insurance companies, then you can still apply for coverage through the Fair Access to Insurance Requirements (FAIR) Plan insurance. It is important to mention that this should be regarded as a last resort option or a temporary band-aid for a situation that you resolve with more comprehensive insurance at a later time.
In most states, you still have insurance options in high-risk areas under the FAIR Plan, but this is not the case if your mobile home’s location is in Arizona.
The Fair Access to Insurance Requirements (FAIR) Plan has not been set up in Arizona to assist mobile homeowners in high-risk areas. It offers limited insurance packages that provide basic coverage options at affordable options.
Valued Policy Law in Arizona
Valued policy laws require an insurer to pay the face amount of any policy in the case of total loss to a structure. In these situations, it does not matter whether the replacement cost is lower than the face amount; the insurance company must pay the full value.
Arizona does not have a valued policy law for insurance property coverage.
Home Insurance Fraud in Arizona
Home insurance fraud occurs when either a policyholder or an insurance company report false or misleading information on claims in order to obtain more money.
According to the Insurance Information Institute (III), the FBI estimates that the total cost of insurance fraud (excluding health insurance) is more than $40 billion per year. Insurance fraud costs the average U.S. family between $400 and $700 per year.
According to Department data, in the fiscal year 2019, Arizona’s fraud department received more than 3,000 fraud referrals and completed 345 investigations using its six investigators.
You should be familiar with insurance fraud laws, so that you do not get scammed by an insurance company or accidentally commit insurance fraud yourself. Below is a video that better explains how to go about making a fraud complaint in Arizona.
If you or someone you know is either committing or the victim of insurance fraud, you should contact the Arizona State Insurance Dept Fraud Division.
- Physical Address of the Arizona Insurance Fraud Unit:
100 N. 15th Avenue, Suite 261
Phoenix, AZ 85007-2630
- You can go to the fraud section of the Arizona state insurance website.
- Phone: 602-364-2140
Arizona Home Insurance Risks
The most costly claims generally come from areas where high-risk weather patterns create multiple large scale damage. Floods, earthquakes, and wildfires are all severe events that should be accounted for when purchasing your mobile home insurance plan.
Arizona mobile homeowners should also be aware of neighborhood-related statistics that may influence coverage options like property crimes. In the sections below, we will give you a rundown of each of these insurance risks as they apply to Arizona mobile homeownership.
Property Crimes in Arizona
Depending on the Arizona neighborhood crime rate, you may want to lower or raise your liability and property coverage options on your mobile home. We have compiled and listed the most recent crime statistics in the table below:
|Lake Havasu City||54,678||830||155|
The FBI states that 67 percent of burglaries are residential, and the data provided in the table is for all burglaries, not just homes.
Home Fires in Arizona
In 2019, the number of buildings fires in Arizona was at 111; these include any and all structures including residential homes.
The majority of home fires could have been avoided with the simple installation of a fire alarm. Three of every five home fire deaths come from homes with no smoke alarms (40 percent) or smoke alarms that were not working (17 percent).
Catastrophic Risks in Arizona
Wildfires and earthquakes are two of the most high-risk catastrophes that can occur in Arizona, so it is not unusual that 30-39 percent of all claims in Arizona come from catastrophe-related events.
|Rank||States||Number of Fires||Rank||States||Number of Acres Burned|
Arizona currently ranks seventh in the nation for the most wildfires, and second for the total number of acres burned.
Flooding in Arizona
Arizona is a relatively low risk when it comes to flooding. Below you will find a list of the most recent major flood events in Arizona state history.
Significant Arizona Floods
- Record Floods of February 18-26, 1891
- Spring Flood of 1978 (February 23-March 3)
- 1970 Labor Day Floods
- Tropical Storm Octave, October 1-3, 1983
- Winter Floods of January 6-19 1993
You can type in your address at the website for the FEMA Flood Map Service Center (MSC) and find out exactly how high of a risk flooding is to your mobile home.
This site is the official public source for flood hazard information produced in support of the National Flood Insurance Program (NFIP). You can use the MSC to find your official flood map, access a range of other flood hazard products, and take advantage of tools for better understanding flood risk.
If you are interested in purchasing flood insurance, contact your insurance agent to find out more about flood coverage; you can only purchase flood insurance through an insurance agent or an insurer participating in the NFIP. You cannot buy it directly from the National Flood Insurance Program (NFIP). If your insurance agent does not sell flood insurance, you can contact the NFIP Referral Call Center at 1-800-427-4661 to request an agent referral.
Wildfires in Arizona
The growing threat from wildfires is concentrated in four states, Texas, California, Arizona, and Nevada, where more than 35 million people live in the high threat zone, known as the wildland-urban interface (WUI), where wildlands and development converge.
|States||Number of Fires||Number of Acres Burned|
Arizona received a D- grade from AMERICA’S PREPAREDNESS REPORT CARD in 2015. 2.9 million people or 45 percent of Arizona’s population is at high risk of wildfires that will only increase in the years to come. In Arizona, almost four times more large wildfires (larger than 1,000 acres) burned each year in the past decade, on average, than a typical year in the 1970s.
By 2050, Arizona’s average number of days each year with high wildfire potential is projected to increase from 80-115.
Earthquakes in Arizona
Arizona has a moderate risk for earthquakes with increases seen closer to the border of California.
At this point, Arizona mobile homeowners may be asking themselves: how can I easily compare policies and rates on mobile home insurance? And the answer is with our free online quote option. All you have to do is type in your ZIP code, and you’ll receive quotes from multiple mobile home insurance companies.
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Homeownership in Arizona
The rate of homeownership within your state can affect the pricing and effectiveness of your policy. States with higher rates of homeownership will draw the attention of multiple insurance companies expanding the home insurance market, but the higher rate of homeownership also will mean insurance companies in your area will operate with more claims.
Stability is what you should be looking for in a home insurance market, and a state with healthy and steady growth in homeownership bodes well for insurance prices. Below we list the homeownership statistics for the entire housing market of Arizona which includes mobile homeownership as well.
Homeownership Statistics in Arizona
The homeownership rate in Arizona is 64.8 percent, which is higher than the national average of 63.9 percent.
Average Home Price in Arizona
The median home sales price in Arizona is $241,660; Arizona has some of the lowest mortgage debt in the nation at $202,148. This is significantly lower than their neighbor to the west California which has the highest mortgage debt in the nation.
Arizona Coconino County has the most expensive mortgage debt pricing as listed below:
- Median home value: $297,468
- Median monthly housing costs w/ mortgage: $1,490
Mortgages in Arizona
According to Experian, Arizona has seen a close to 1.5 percent rise in mortgage debt, which is not too alarming considering California mortgages are close to twice as much with an increase of almost 2 percent between 2018 and 2019.
|States||Average Mortgage Debt in 2018||Average Mortgage Debt in 2019||Percentage Change|
The Arizona mortgage prices are significantly lower than neighboring states and should be even lower for a mobile home dependent on cost and location.
Property Taxes in Arizona
The state of Arizona has relatively low property tax rates, thanks in part to a law that caps the total tax rate on owner-occupied homes. The average effective tax rate in the state is 0.72 percent, which is well below the 1.08 percent national average.
Arizona Mobile Homeowner’s Insurance: The Bottom Line
Mobile home ownership is growing in the nation and nowhere has seen bigger increases than in Arizona. Although the mobile home insurance is still a niche market, each of the top providers in Arizona offers some form of mobile home insurance. With mobile home’s growth trending upward in Arizona, the insurance market should only become more accessible to mobile homeowners.
Did we answer all your Arizona mobile home insurance questions?
Either way, we know that the search for the right mobile home insurance provider is difficult and hope our informative guide has helped in that process.
If you’re still asking yourself how should I compare policies and Arizona mobile home insurance quotes today, then try our free online quote option. All you have to do is type in your ZIP code and we will guide you through the process and help you find affordable Arizona mobile home insurance. Before you know it, you’ll receive multiple estimates from local insurance companies.
Frequently Asked Questions: Mobile Home Insurance Arizona
Do mobile homes get a different policy type than regular homes in Arizona? Now you know. For any unanswered questions, look at our list below.
#1 – Is it cheaper to insure a new or old mobile home?
Similar to your standard homeowners policy, policies for older mobile homes will generally cost more to insure.
Since most companies do not offer replacement cost coverage, it can end up being even more expensive to insure you mobile home as it ages.
Questions like what factors will determine the rate of my mobile home policy and what information will I need when getting a quote will be best answered by the individual mobile home insurance Arizona based companies.
#2 – How can I save money on mobile home insurance?
Bundling options and discounts for securing your mobile home are some of the best ways to save money on home insurance.
Can I set the deductible on my policy in order to save in the long term? Higher deductibles are also another way mobile homeowners can save on insurance.
#3 – How do I file a claim on my mobile home insurance policy?
Filing a claim for your mobile home should be no different than filing with a standard home insurance policy. Most insurance companies have online services now available to customers for the claims process. Contact your insurance provider to learn more about its mobile home insurance claims process.
#4 – Will filing a claim make my rate go up?
Not necessarily, and it all depends on the particulars of the situation as well as the frequency of claims. Your insurance is there to protect you which means you should not be penalized for using it. Most insurance companies offer no claims rewards, but it is rare to hear about increased rates through no fault of a policyholder.
#5 – Will getting a quote affect my credit?
Whether requesting a quote from mobile home insurance Florida companies or those based in Arizona, your credit score will not be affected.