Today more than ever, people are seeking alternative residential options in place of the common house. Some find it a lot more affordable to go for other types of dwellings such as apartment rentals, condominiums, and mobile homes. Regardless of the type of property you call home, it’s important to avail of property insurance in Arizona to make sure that your dwelling and your possessions are all protected.
If you own a mobile home and want to find out more about property insurance for mobile homes, these following pointers should lead you towards a better understanding of the policies from arizona-insurance.website that protect this type of dwelling.
More about Mobile Home Property Insurance in Arizona
There are commonly two type of mobile home property insurance in Arizona and depending on the potential risks and threats you suspect, you can opt to purchase either of the two. The first type is named peril policy which protects your mobile home from multiple perils such as fires, lightning, explosions, transportation, theft, windstorms, civil commotions, and riots. The second type of property insurance for your mobile home is called comprehensive policy and protects your home against physical loss with a few exceptions, depending on what you and your insurance provider agree on. Your mobile home property insurance can also include coverage for personal property, personal liability, and medical payments.
Tie Down Requirements
Sometimes, you will come across an insurance provider like this, that will require you to tie down your mobile home in order for you to avail of the benefits of your policy. This is usually required if your mobile home is seen as a risk if untied, particularly in areas that slope or areas with high occurrence of theft. It is left up to the insured to provide the certified ties to keep the mobile home in place as these will not be supplied by the insurance provider. It’s also important to keep in mind that ties to be used are not simply any ties, but those that are approved tie down materials. Before you purchase your property insurance, make sure that you and your insurance provider have an understanding regarding this particular scenario. If you prefer your mobile home to be untied, discuss your concerns with your insurance company and find out if you can meet in the middle. If your insurance provider continues to deny your request, you can opt to avail of your policy from a different company.