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If mobile homes appeal to you, you might already be rolling high to the tunes of your lifestyle. However, you should be aware that these homes often come integrated with specific additions and features. Well, when you have made an intelligent lifestyle choice for your family, it makes sense to secure it with the right kind of insurance policy.

Given that you have specific, unique considerations while insuring your mobile home, make sure to get the policy customized. The insurance experts at Surex have been helping mobile homeowners personalize their policies for years and have a fantastic track record for providing quotes.

Considering the weightage of the investment you are about to make, you may want to consult one of the experts regarding the coverage you might need for your mobile home.

What does a mobile home insurance policy in BC cover?

A mobile home insurance policy would cover almost everything that a typical property insurance covers. However, reputable insurers have come up with special packages to suit specific requirements. Have a look at what type of coverage you might get when you buy the policy.

1. Poor weather conditions

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The weather can be unpredictable, and over the years, harsh weather conditions are becoming more frequent. With mobile home insurance Canada can remain financially secure from unforeseen storms and other natural disasters. Some packages also offer flood coverage as an add-on. Depending on your location, you may or may not want to include this addo-on.

2. Smoke and fire

While residing in a mobile home, you would likely be traveling to different locations in BC over the years. Therefore, you cannot possibly rule out the chances of a fire destroying the home, along with its contents. A mobile home insurance BC policy would provide you mental security against these perils.

3. Vandalism and crime

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Chances of vandalism are high when you move around the country. After all, you likely have many of your precious personal belongings in the mobile home. In case you become a victim of vandalism, theft, or robbery, the policy would have you covered.

4. Personal liability

While moving around in your mobile home, you might accidentally injure someone. While you might be worried about the legal hassles about to befall you, medical expenses can also burn a hole in your pocket. Therefore, you should have adequate personal liability coverage in the policy.

5. Damage caused by water

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Well, you might have elegant hardwood furniture in your mobile home. A simple pipe burst event can end up staining the wooden surface. Moreover, you need to protect the wooden floors and other appliances. Insurance coverage would secure you against all these dangers.

6. Securing specialty items

Even when you reside in a mobile home, you need to protect valuables like bikes, watches, cameras, computers, and jewelry. Some insurers would not cover these items when the cost exceeds a certain level. In these cases, you need to go for an insurer ready to give you a customized quote.

7. Additional bylaws

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In case you have been residing in an older property, some insurers would provide you with coverage if you need to rebuild it. Of course, they would adhere to the current law standards in these cases.

Why does it make sense to purchase this type of policy?

As you continue residing in your mobile home, the value of your belongings will keep on building. Considering the high replacement cost for these belongings, purchasing a mobile home insurance policy makes sense. Moreover, if you have valuables at home, you need to secure them against vandalism, theft, or damages caused by natural calamities.

Every homeowner would want to spruce up the interior of their property, whether or not they live in a mobile home. Think of gazebos, decking, small garages, or storage sheds in these homes. Along with these, you have some skirting expenses too. With proper insurance coverage, you can get these adequately secured.

At the same time, you need to have adequate financial cushioning to manage situations when you are liable for accidents. Even if you accidentally happen to damage a hotel room while travelling, your liability insurance would bail you out.

Sometimes, mobile homes need to be removed on an emergency basis. During these incidents, you would have to disconnect the water and power lines. Moreover, there’s always a cost for towing the home or hiring other means of transportation to get your home to a different location.

With the right kind of policy, you can have all these expenses under your control. Certain policies also provide trip collision coverage. In case your mobile home sustains damage during the transit from one location to another, this coverage kicks in.

What’s not covered in these policies?

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Before purchasing a mobile home insurance policy, you need to be aware of the coverages that are not included. However, this is true for any kind of policy whatsoever. Here are certain aspects that the policy would not be covering.

  • Earthquakes: If you reside in a seismically active area, it would be wise to go for separate coverage for earthquakes. Most insurers would not compensate the loss in case your mobile home gets damaged following an earthquake.
  • Natural wear and tear: Every type of property undergoes natural wear and tear due to ageing. Therefore, these damages do not come under the scope of your insurance coverage. Certain accidental damages are also not a part of the coverage.
  • Infestations: Please note that your ordinary maintenance largely determines whether you can secure your property from animal or insect infestations. Therefore, damages caused by animals or insects due to improper maintenance would not be compensated.
  • Damage due to commercial use: If your mobile home sustains damage while you have been using it for commercial purposes, the insurers will not cover the losses.

What have you learned about mobile home insurance BC?

The premium you need to shell out to purchase a mobile home insurance policy in BC largely depends on the property’s age and your location. Other factors also decide how much you need to shell out, such as your credit record and deductible.

Reputed insurers would also estimate the cost needed to get your home replaced while deciding the premium. It would be a logical move to get across to the insurance specialists for the best deals available.

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