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Home > Property Insurance Coverage > Mobile And Manufactured Homes > Shopping around for Mobile Home Insurance
Shopping around for Mobile Home Insurance
Before buying an insurance policy, be sure to do a thorough research. Be a smart shopper, obtain price quotes from different insurance companies and compare the coverage and premium charges. Include independent insurance agents in your investigation, since some insurance agents simply embody a single company or a company group. On the other hand, independent insurance agents usually correspond to several companies and can provide many insurance quotes at one time.
Once you settle on an insurance company, decide what kinds of coverage you want to get and which ones you actually need. For example, if you have valuable electronic equipment or if you require additional coverage than the basic residential coverage for collections, jewelry, or other valuables, you might want endorsements that modify or include additional coverage. Endorsements that include additional coverage usually increase your premium charge. When you ask insurance companies for quotes, make sure you answer questions honestly, since incorrect information can result in an erroneous price quote, refusal of your insurance application, or even cancellation of policy.
Something else to consider is getting higher deductibles. Your mobile home insurance policy will almost certainly have deductibles. Deductibles are the sums of money you must pay out of pocket on your claim in advance, before the mobile home insurance company pays its portion. If you pay higher deductibles, you will reduce your premium, and for this reason, make sure you pick the highest deductibles that you can afford. Additionally, you can look for discounts. Some insurance companies offer policy discounts that will reduce your premium charge. Ask your agent if the company offers any discounts and which of those discounts you can apply to.
Taking your time to shop for mobile home insurance can reward you with better prices and better service. This way, you can get not only the best premium charge, but also an excellent customer service and ensure the company you are choosing is financially stable.
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