Let Morrison Insurance Agency help You find the perfect Insurance Policy!

Mobile Home Insurance to fit your budget & needs

Low Cost Mobile Home Insurance in AL, FL & GA

Keep Your Mobile Home Protected!
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:

• Customized coverage options for your mobile home insurance policy
• Liability coverage if you are responsible for an accident on your property
• Coverage for your mobile home insurance additions

Call us today for our best mobile home insurance rates!

​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:

• are able to move under their own power (or are capable of being easily transported);
• are more susceptible to wind damage,
• tend to lose value with age.

The mobility of such homes creates a special need to protect the financial interest of the business that lent the money to purchase the home. For example, a mobile home owner who lives in Georgia decides to drive his home to Alabama. The soon-to-be Alabama resident "forgets" to mention his plan (and his new address) to his Georgia Mortgage Company. The Georgia lender would be out of luck if the policy didn't include protection for this whimsical act. Another way in which a mobile or manufactured homeowner policy differs from conventional homeowner coverage involves coverage for unattached buildings. This coverage is usually minimal for, say, $2,000. Such a provision helps keep the premiums for policies lower by avoiding paying claims on very low value structures. The coverage is likely to be offered on an actual cash value basis. Unfortunately, mobile and manufactured homes tend to lose value over time.
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