Fight Common Perils with Manufactured Home Insurance

Posted on: December 29, 2014 by Aegis Security Insurance

Fight Common Perils with Manufactured Home Insurance  

Manufactured and modular home owners face a number of unique risk exposures that differ widely from other property owners; as such the average homeowner’s insurance policy is not enough to protect their investments. Mobile and manufactured homes are an excellent housing choice for many homeowners, whether they are first time buyers or retirees. However, they do pose a unique blend of sedentary and mobile risk exposures. Here are a few common risks manufactured homeowners need to lookout for.

  • Moisture Build-up: Moisture build-up between walls, floors, roofing and other structural elements is a major safety and liability concern. Moisture accumulation can lead to molding, rotting, rusting, corrosion and other damages which can affect the stability and longevity of the motorhome.
  • Fire: Fire is a huge threat to manufactured homes due in large part to their construction. According to the National Fire Protection Association (NFPA), the top causes of fires in manufactured homes include electrical distribution equipment, heating complications, and cooking accidents. Unfortunately, many older models lack the proper fire alarms and alert systems to warn occupants of impending treats of fire and carbon-monoxide.
  • Wind/ Weather Damage: Manufactured homes are often light weight and portable, designed to be easily assembled, disassembled and moved, as such they are highly vulnerable to weather and natural disaster damage. This can make these dwelling challenging and expensive to insure due to their high risk potential and loss exposures.
  • Transportation: Because of the portable nature of this structure, there is an increased risk of damages and losses during the transportation process. Whether a manufactured home is only moved the day it is originally sold or if the owner moves around more frequently, mobile homeowners must plan for the need to protect their homes while in transit.

For nearly 40 years, Aegis Security has specialized in providing Manufactured Home Insurance solutions. We provide coverage for mobile, manufactured and modular homes to protect not only the roof over your clients’ heads and everything inside but also the liability risks they face. Our product focuses on protecting your clients from perils common to manufactured homeowners, allowing agents and brokers to get the exact coverage their clients need. To learn more about our operation and all of our personal insurance lines, give us a call today at (800) 233-2160.

Posted in: Manufactured Home Insurance