Alabama Mobile Home Insurance

Find the Best Mobile Home Insurance Options in Alabama

In recent years, there have been nearly 306,000 reported mobile homes in Alabama. The state of Alabama actually has the fifth-highest number of mobile homes in the US, currently. If you own a mobile home, you should consider protecting it with Alabama mobile home insurance due to the state's risk of natural disasters like hurricanes, severe storms, and wildfires, as well as the higher-than-average crime risk. Though mobile home insurance isn't sold by every insurance carrier, coverage is available.

An Alabama independent insurance agent knows where to look to find you the best mobile home insurance in your area. Working together with an independent insurance agent is always a wise decision when you're ready to get the coverage you need. First, though, here's an overview of mobile home insurance in Alabama. 

How Much Does Mobile Home Insurance Cost in Alabama?

The average cost of mobile home insurance in Alabama is about $1,548 per year or $129 per month. However, the cost of your coverage varies depending on several different factors. The insurance company you go through is one of them. Another factor is whether you qualify for any discounts on your coverage.

Mobile home insurance rates in Alabama may seem higher than in other states due to the heightened crime risk in various areas, as well as the rate of natural disasters like hurricanes and wildfires. Regardless, an Alabama independent insurance agent can help you find the most affordable policy around. They'll make sure you get matched to the policy you need at the right price.

What Factors Impact Mobile Home Insurance Cost in Alabama?

A number of different factors can affect the cost of a mobile home insurance policy in Alabama. The value of the mobile home you need to insure plays a major role in the calculation of your premiums. 

But there are also many other factors that can affect your policy's costs. Here are just a few of the most common factors that go into the calculation of mobile home insurance premiums in Alabama:

• Zip code: The specific area you live in impacts the cost of your insurance due to property values, crime rates, and more.
• Age of mobile home: The older your mobile home, the more expensive it may be to insure due to the need for maintenance.
• Size of mobile home: The larger your mobile home is, the more expensive it may be to insure.
• Estimated replacement cost: The higher your mobile home's estimated replacement cost is, the more you'll likely pay for insurance.
• Value of belongings: The higher the value of the belongings in your mobile home you need coverage for, the more you'll likely pay for your policy.
• Coverage limits: The higher the coverage limits you need, the higher your policy's premiums will have to be as a result.
• Insurance claim history: If you've filed claims in the past, you'll likely have higher mobile home insurance premiums than if you've remained claims-free.
• Deductible: Choosing a higher deductible can mean lower premium costs, but you'll have to pay more out-of-pocket if you file a claim.

An independent insurance agent in Alabama can further explain all the factors that go into determining your mobile home insurance costs.

What Does Alabama Mobile Home Insurance Cover?

Mobile homes, otherwise known as manufactured homes, differ from traditional houses in that they are manufactured off-site and then strapped to a foundation or set of piers at the home site. For this reason, manufactured homes require slightly different coverage than site-built homes. 

However, the major components of a mobile home policy are the same as a typical homeowners insurance policy. They include the following coverages:

• Liability coverage: This coverage can help with the cost of a bodily injury or property damage claim against you if an incident occurs on your property. This coverage can also protect the mobile home itself and the land it sits on and cover your settlement costs, court fees, and legal defense in case of a lawsuit.
• Structural coverage: This can help pay the cost of repairing or rebuilding your home after a fire, burglary, tornado, or another covered event. Because mobile homes depreciate in value, you may purchase replacement cost coverage, rather than actual cash value coverage. That way, if your home is a total loss, your coverage can pay for the cost of a new mobile home, rather than the depreciated cost of your old home.
• Contents coverage: This covers the items you keep in the home, such as electronics, clothing, furniture, appliances, and other belongings. Most people keep about $20,000 of personal property in their home, but the value of your property may be greater. You can speak with a local Alabama independent insurance agent to get a quote for full coverage for your home's contents.

Your Alabama independent insurance agent will ensure you get equipped with the right amount of coverage for all your belongings, as well as enough protection for your mobile home's dwelling and your personal liability. 

Additional Mobile Home Insurance Coverage in Alabama

A typical Alabama mobile home insurance policy may not provide coverage for everything you're anticipating it will. There are certain things that may be explicitly excluded by your policy that you should be aware of before a disaster occurs. 

Here are just a couple of things to keep in mind that you may need additional coverage for:

• Additional valuables: If you have valuable property like jewelry, art, collectibles, or electronics in your mobile home, you may need additional coverage in the form of endorsements or riders. Otherwise, this property may exceed your policy's coverage limits if it gets destroyed, or it may be explicitly excluded in the first place.
• Flooding disasters: Mobile home insurance does not cover the cost of damage due to natural flooding, such as from heavy rainfall. If you live in an area of Alabama that is subject to natural flooding from river run-off, excess rain, or storm surges, you could benefit from getting a flood insurance policy. 

Work together with an Alabama independent insurance agent to find the additional coverages your mobile home insurance policy may require.

What Isn’t Covered by Mobile Home Insurance in Alabama?

Certain things are typically never covered by standard mobile home insurance policies in Alabama. Being aware of what your policy does and doesn't cover from the very beginning is critical to ensuring you can receive the reimbursement you need following any kind of disaster. 

Here are some disasters not typically covered by Alabama mobile home insurance:

• Earthquakes
• Flooding from the outside
• In-transit accidents
• Wear and tear of the mobile home
• Insect or animal infestation
• Malicious acts against others by the homeowner

As previously mentioned, you'd need a separate flood insurance policy to protect your Alabama mobile home against natural flooding disasters. You'd also need a separate earthquake insurance policy to protect your mobile home against this type of natural disaster damage.

What Types of Risks Do Mobile Homes Face in Alabama? 

Mobile homeowners in Alabama face certain types of risks that could easily damage or destroy their property. That's why having coverage in place before disaster strikes is crucial. Without mobile home insurance, if a wildfire or windstorm damaged or destroyed your mobile home, you could be stuck paying for repairs or replacements out of your own savings. 

Here are just a few common Alabama disasters for mobile homeowners to be aware of:

• Tornadoes: Alabama gets an average of 44 tornadoes per year.
• Hurricanes: Alabama is ranked sixth-highest in the US for the number of hurricanes it experiences.
• Flooding: Alabama gets about 56 inches of rainfall each year, increasing its risk of flood disasters.
• Property crimes: In one recent year, more than 105,000 property crimes annually were reported in Alabama.

Protecting your mobile home against these disasters starts with having the right Alabama mobile home insurance policy.

What Are the Best Mobile Home Insurance Companies in Alabama?

You can find mobile home insurance from many different carriers in Alabama. However, when you're ready to find the coverage you need, you want only the best. 

Certain mobile home insurance companies are known for providing a mix of quality coverage and affordable rates. Here, we've compiled a list of a few of the best mobile home insurance companies in Alabama for your convenience.

• Foremost: This carrier provides the best overall coverage package for mobile homes in Alabama, including agreed loss settlement coverage and optional replacement cost coverage. Foremost also provides coverage options for earthquake damage, business liability insurance for home-based businesses, and protection for incidents that could occur while transporting the home. 
• American Modern: This carrier is ranked the best for older mobile homes in Alabama. After 1976, the Department of Housing and Urban Development (HUD) regulations were instated, and many insurers have since been hesitant to insure mobile homes built before that year. However, American Modern is an exception and readily covers older mobile homes.
• Allstate: This carrier is ranked the best for discounts on Alabama mobile home insurance. Allstate offers several discount options, including welcome and loyalty discounts, multipolicy discounts, easy pay discounts, and early signing discounts. Thanks to the carrier's affordable rates and numerous discounts available, mobile homeowners can easily find a policy that fits within their budget from Allstate.

An Alabama independent insurance agent can help you find a mobile home insurance policy from one of these top-rated carriers in your town.

Alabama Mobile Home Insurance Discounts

It's possible to save money on your mobile home insurance in Alabama thanks to various available discounts. The mobile home insurance discounts offered vary by insurance company and your eligibility. 

However, there are a handful of discounts you can typically expect to find offered by most Alabama mobile home insurance companies, such as:

• Mobile park discounts
• Smart home protective device discounts
• Mobile homeowners over 50 years of age discounts
• Continuous coverage for more than three years discounts
• Claims-free discounts
• Mobile home as a primary residence discounts
• Electronic policy discounts

Your Alabama independent insurance agent can easily help you score all the discounts you qualify for on mobile home insurance, saving you the most money possible.

Mobile Home vs. Manufactured Home vs. Modular Home

There are some distinct differences between mobile homes, manufactured homes, and modular homes to be aware of. The biggest defining factor is when the homes were produced. Mobile homes, for example, consist of fabricated homes that were built on or before June 15, 1976. 

From this date forward, the HUD standards were enforced. Properties that would've previously been considered mobile homes now were called manufactured homes. Modular homes, in contrast, are homes that are built entirely off-site and then transported to the location where builders install the properties into the foundation.

• Mobile homes: These homes were built before the second half of 1976 and do not adhere to the HUD's standards. This type of home is often on wheels and able to be transported or driven anywhere the homeowner desires.
• Manufactured homes: These are very similar to mobile homes, with the key difference of having been built after the second half of 1976. Manufactured homes adhere to the standards dictated by the HUD.
• Modular homes: These are homes that are built in sections called "modules" entirely off-site, typically indoors. Later, the homes are transported to their ending location where builders finish assembling them and installing them into the area's foundation to stay permanently. 

Understanding the differences between mobile, manufactured, and modular homes can help you locate the right kind of insurance for your property.

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How to Get an Alabama Mobile Home Insurance Quote

Alabama is home to a number of independent insurance agents, who can help you find quotes and the right coverage for your mobile home. A local Alabama independent insurance agent can be an invaluable resource in a time of disaster and help you file claims or update your coverage as necessary. Contact an independent insurance agent in your area today for customized quotes and coverage for your mobile home.

Alabama Mobile Home Insurance FAQ