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It's important that mobile home owners understand they have different insurance coverage requirements. We provide mobile home insurance policies for all types of manufactured and mobile home owners. When you choose our agency, you will receive the following:
Jewelry And Other Expensive Valentine’s Day Gift Items Require Special Insurance Coverage
So, your honey popped the big question on Valentine’s Day. You couldn’t be more thrilled, and the ring is to die for! But, what if it’s lost or stolen? While there is no way to insure the sentimental value of such a gift, having the right insurance coverage will provide financial protection.
Please contact our agency for a non-obligation review of all your insurance needs.
The word ‘insurance’ is not likely to be the first word on many lovers lips this Valentine’s Day. However, if an expensive gift of jewelry is lost or stolen it can certainly soothe the sting of losing a cherished gift. Your first step after receiving a valuable engagement ring—well, maybe your second after saying yes!—should be to call our insurance agency.
Jewelry losses are among the most frequent of all home insurance content-related insurance claims. Fortunately, there are four relatively simple steps everyone can take to ensure adequate protection for their new jewelry:
1) Contact your insurance professional immediately.
Find out how much coverage you already have and whether you will need additional insurance. Most standard homeowners and renters insurance policies include coverage for personal items such as jewelry; however, many policies limit the dollar amount for the theft of high-value personal possessions—such as jewelry—to $1,000 to $2,000. So, you would be covered if the item were destroyed by disasters listed in the policy such as a fire or hurricane, but if your expensive new present is lost or stolen you would need separate insurance to be covered.
To properly insure jewelry, consider purchasing additional coverage through a floater or an endorsement. In most cases, these add-ons to a homeowners or renters policy would also cover you for “mysterious disappearance.” This means that if your ring falls off your finger and is flushed down a drain, or is lost, you would be financially protected. Floaters and endorsements carry no deductibles, so there is no out-of-pocket expense to replace the item.
2) Obtain a copy of the store receipt.
Forward a copy of the receipt so that your insurance company knows the current retail value of the item. Keep a copy for your records and include it with your home inventory. If the item was purchased on sale, also get a copy of the appraised value of the item.
3) If you received an heirloom piece, have the item appraised.
Heirlooms and antique jewelry will need to be appraised for their dollar value. You can ask your insurer to recommend a reputable appraiser.
4) Add the item to your home inventory.
An up-to-date inventory of your personal possessions can help you purchase the correct amount of insurance and speed up the claims process if you have a loss, so remember to add your new jewelry to your inventory. And if you don’t yet have an inventory, celebrate your engagement by creating one with your fiancée.
Finally, if you don’t think you need renters insurance, think again. A recent poll found that 96 percent of homeowners had homeowners insurance but only 35 percent of renters had renters insurance. If you rent your home, renters insurance can provide important financial protection in the event your belongings are stolen or destroyed.
Insurance for Manufactured Homes
Our agency represents the top insurers of manufactured and mobile homes in the nation, so why not go with the leader?
We offer a policy that insures your home, personal property ,and other structures against accidental physical loss.
We understand not every lifestyle is the same, so our standard and optional coverages are tailored specifically to what you want covered.
Contact our office today to save money and rest easier when the wind blows!
Insurers commonly provide coverage for mobile/manufactured homes by modifying a conventional homeowner policy with provisions called endorsements. The endorsements change key definitions and other elements of a conventional policy to fit a mobile or manufactured home situation. The result is a modified homeowner package that protects the home, outbuildings (unattached garages, sheds, etc.) and personal property. They also provide insurance for personal liability. Regardless of the type of home you own or live in, it is important that you learn about the coverage options that are available. You may find that different policies vary considerably in coverage and price.
Coverage for mobile/manufactured homes is generally offered using two approaches. Some policies include a laundry list of items (or perils) that may cause a loss. Other policies protect your home against everything EXCEPT for a host of specified perils. Either approach includes liability coverage that protects you for injuries or losses to others which you accidentally cause.
Property Insurance Needs
Any coverage option you choose is likely to reflect the fact that mobile homes are, well, mobile. Therefore coverage is affected by the fact that mobile homes: