Homeowners Insurance for a Mobile Homes in Virginia

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Installing smoke detectors in every room of a home is one of the cheapest and best ways to protect your family in the event of a fire. It's not enough to simply install the alarms and leave them be though. They do need to be checked frequently to ensure that they are indeed operational. Another way to protect your family's well-being is to purchase homeowner's insurance for your mobile home.

The Virginia Department of Housing and Community Development actually keep a watchful eye on the manufactured housing industry within this state. They ensure that the manufactured homes being sold in the state meet certain minimum safety requirements and they also are responsible for making certain that all paperwork is in place when a home is moved from one location to a new location. They do not however play any part in the insurance industry, so it's up to the homeowner to do their own research work to find the right deal for them.

One of the first steps that any mobile homeowner should undertake is to check with three or more insurance companies about a quote. It's often very surprising how much the price of a policy can differ from one insurance company to another. One common mistake that new homeowner's make is to contact one insurance company and purchase a policy from them. This can result in the individual paying high premiums without even realizing it.

It's also a good idea to mention to any prospective agent whether you have anything in the home that does not fall within the standard scope of a mobile homeowner's insurance policy. This can include something like expensive jewelry, a coin collection and even an antique that was passed down. Items like this are often not covered and they need to have extra coverage purchased just for them. The homeowner is solely responsible for securing this insurance.



Source by Deborah Mills