Mobile Home insurance is very similar to homeowners insurance. A mobile home policy will provide coverage for the dwelling, or the actual structure of the mobile home and anything permanently attached to it.
Usually, the dwelling coverage is set at a "stated value". This is generally the purchase price of the mobile home, not including the land value. The policy should also provide coverage for contents. Contents are the moveable items on the inside of the mobilehome.
The best policies provide coverage for contents on a replacement cost basis. This type of coverage is very nice to have because it pays based on what it would take to "replace" the item rather than a "depreciated value" or actually what the used item is worth. The policy should also provide family liability protection. Liability protects against damage done to another individual by an insured person that might result in a law suit. It covers the legal defense and any subsequent judgment against an insured person.
Obtaining Mobilehome coverage is easy except in coastal areas where the number of companies offering coverage is very limited. We have coverage for mobile homes in Myrtle Beach, and recommend using only companies that are rated highly by the A M Best rating agency. Their website is located at www.Ambest.com
At Todd Insurance Agency, Inc. we represent only the highest rated companies when available. Currently we provide Mobile Home Insurance in Myrtle Beach through the American Modern Insurance Group.
Mobile home insurance premiums in North & South Carolina vary greatly depending on the amount of coverage requested, age of the mobile home, and location in proximity to the coast. If you are inland from the coast, we may have the best mobile home insurance rates anywhere! We will be happy to give you a quote on your mobile home. Click for our Online Quote Form and we'll contact you as soon as possible.