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With over 1200 mobile home parks in the state, residents here have a lot of choice when it comes to where to live.
They also have alternatives in insurance companies and that's a plus.
Finding affordable homeowners insurance for a mobile home in Kentucky isn't nearly as difficult as it first appears.
Virtually every company that offers traditional homeowner's insurance policies also offers insurance for manufactured homes.
Some of the insurance concerns of a mobile home are unique and a homeowner should have a good understanding of these before seeking out a policy.
The value of the home itself is incredibly important when it comes to insurance.
Most homeowners recognize that should their mobile home be destroyed they would need to be able to replace it with a home of similar value.
Therefore having a strong sense of what the value is helps when deciding on a level of coverage.
There is also a very real concern about transporting the home.
It's obviously very convenient to move a mobile home from one location to another.
Many people take advantage of this when they decide to relocate from one area of Kentucky to another.
Although the home itself may have coverage, there is also a need for transportation coverage.
Even if a homeowner believes they are covered by the insurance they already have in place, this isn't always the case.
Asking your agent about what additional coverage you need during a move is always best.
Although most late model manufactured homes already come equipped with smoke alarms, if your home is older, consider the importance of installing them.
They do save lives each and every year by alerting homeowners of the start of a blaze, they also bode well with insurance companies who view them as a safety device they are willing to offer a premium reduction for.
So if you do decide to purchase them and put them in your home, tell your agent so you can enjoy any related discounts.
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