
A variety of add-on policies are available from mobile home insurance companies. These policies can provide coverage for things such as tree replacement after storms, food spoilage, and debris removal. However, these optional coverages can increase your insurance costs.
Comparing mobile insurances
You might be curious about which insurance companies offer the lowest rates for your mobile home. Your home's condition and roof are just a few of the factors that insurers consider when determining your premium. They also consider the type of floor plan and features of your home. For example, a single-wide floor plan might be more expensive than a double-wide one, and the older the mobile home is, the higher the premium will be. Thankfully, there are a number of companies that offer discounts for certain safety features, which can reduce your premium.
Another important factor to consider is the amount of coverage you need. Most policies provide coverage according to square footage. But your mobile home may only have $50-100 per square feet. Your home's age will affect how much coverage you need. Insurers will often offer coverage based on replacement cost for newer mobile homes, while older homes may only receive coverage of 35 percent of their original cost.

Types available for coverage
Mobile home insurance companies offer a variety of coverage options. The first type of coverage is called dwelling coverage and covers the mobile home. The second type of coverage, called "other structures", covers features that are not mobile home-related. In addition to protecting you financially from lawsuits, liability coverage covers you as well. You can also opt for medical payments coverage, which is an offshoot of liability coverage, which covers the medical expenses for injuries suffered by you or your family members.
Mobile home insurance also covers personal property. Your belongings will be covered if they are lost, stolen, or damaged. Personal property insurance will cover medical expenses as well as loss of wages, if you are temporarily unable to live in your mobile house due to an accident. Personal property insurance will cover your possessions while you're away from home, but your car will not be covered. It's also worth considering liability coverage. It will cover legal fees and medical expenses resulting from accidents you may cause.
Get Discounts
There are many ways you can get a mobile home insurance discount. Many mobile insurers offer discounts to homeowners who have multiple policies or bundle their insurance with others. Additional discounts may be available for setting up auto-pay or installing a security alarm system.
A few insurers will give discounts for customers who pay their premiums on time every year. You can also qualify for a discount if you sign up for autopay or opt for electronic delivery of your bills. Some insurers offer discounts for multiple vehicles. A discount may be available if you're a senior homeowner or a first-time buyer.

Use credit-based insurance score to assess the likelihood of filing an insurance claim
A credit-based credit score is a three digit number that is calculated on the basis of statistical analysis of a consumer’s past credit history. It has been shown that it is a good indicator of future claim costs. Research from Tillinghast Towers Perrin as well as the Casualty Actuarial Society has shown that claims rates are higher for those with lower credit scores than for those with higher credit scores.
Insurers use credit-based insurance scores in order to establish risk and set rates. Lower premiums can be achieved by having a good insurance rating. On the other hand, having a poor insurance score will lead to higher premiums. A credit score ranges from 200 up to 997. Higher scores are indicative of a lower risk. Insurers calculate these scores based on relevant financial data, such as debt, payment history and the length of time you've had credit.