Where can I find the cheapest mobile home insurance rate in West Virginia?
Finding affordable mobile home insurance in West Virginia is easier than you might think. Although there are not too many companies that sell mobile home insurance compared to other insurance products, there are still enough mobile home insurance companies to where you can find a decent rate.
One of the problems of finding an affordable mobile home insurance rate in West Virginia is the fact that most quotes are done one company at a time. You are much better off getting a mobile home insurance quote with an independent agent that can do the shopping around for you.
Can I still find coverage if I have filed a major claim in the past 5 years?
More and more, insurance companies are cancelling mobile home insurance policies simply for filing a single claim. This is especially true if the claim resulted from a fire, or liability was paid out due to a dog bite. Fortunately, I do have companies who go easy on mobile homeowners who have had previous claims. Filing a recent claim will most likely not cause you to be denied coverage with the companies I carry.
What type of mobile home insurance coverages are offered?
This is not an all inclusive list, but here are the basic coverages that any good mobile home policy should offer:
Can I insure my home on a replacement cost basis?
This answer varies from company to company, but with most companies, a mobile home can be insured on a replacement cost basis if the home is 10 years or newer. Once insured on a replacement cost basis, you can keep it that way until the home reaches 16 years old. At that time, your policy will automatically revert to insuring on an actual cash value basis.
If you would like to get a online mobile home insurance quote through my companies, I will be happy to do the shopping around for you. Select the level of coverage that you prefer and I will see which company comes out the cheapest. And as always, all quote information is handled personally and privately by myself. I do not sell or share your information with anyone.
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..