Month: December 2021

When you buy a home, you are required to get homeowners insurance. However, with a mobile home, you may not need to. You may go back and forth, trying to decide what you should do. 

Here are many reasons why you may want to consider getting insurance. 

If you have a mortgage, you are probably going to have to get some. Most loan companies require insurance to protect their investment. They want to make sure that your mobile home is going to be protected while you are still paying for it. Once it is paid off, you may consider canceling your plan if you decide that you want to. 

You can’t afford to replace it. Insurance is there to protect you and give you peace of mind. If something happens to your mobile home, are you going to be able to afford to fix it? If not, you will want to have insurance to fix it for you. Otherwise, you may not have many options if something happens. 

So, what is covered with mobile home insurance? 

Mobile home insurance is just like homeowners insurance. It covers both physical damage to your home, as well as any structures that surround it. This could be a deck or even a shed in your backyard. 

It will also cover any liability. This will protect you if someone is hurt while they are visiting you. It will cover medical bills and any legal fees that you may face if you get sued. 

In order to make the right decision for your home, it is important to talk to a professional. Don’t hesitate to contact us at Bajorek Agency Inc in Rochester, NY.