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There are two different types of mobile home insurance, replacement value and market value. If you choose to have the market value of your mobile home, then you will only be able to claim what the property is actually worth at the time you make your claim.
If you want to be able to claim the full cost of what you paid for your mobile home, then you should opt for the replacement value.
Remember, you don’t really need to insure your land against perils, and if you do, you will have to pay a higher insurance premium.
Whether it's considered modular, manufactured or mobile we have competitive rates for your home. Insurance Programs are designed for both homes in a park and homes placed on property you own.
- Comprehensive Coverage.This means we cover most direct, sudden and accidental physical losses like: fire, lightning, explosion, vandalism, landslide, falling objects, explosion, attempted or actual burglary or robbery, water damage from bursting pipes, damage by wild or stray animals, collapse from the weight of ice and snow, and wind or hail damage.
- Optional Replacement Cost.Purchase Optional Replacement Cost coverage and get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation. In most states, you can receive up to an additional 20% of the amount of insurance for your home if needed to replace your home!
- Agreed Loss Settlement.If your home is destroyed by an insured loss, you receive the full amount of insurance for your home (minus any applicable deductible). No hassles.
- Liability Coverage.This provides coverage if you’re found legally responsible for an accident that causes injury or property damage to someone who doesn’t live in your home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage.
- We Offer All The “EXTRAS!”
- Additional Living Expenses
- Trees, shrubs, plants and lawns
- Debris removal
- Emergency Removal Service and
Emergency Repair after a loss
- Credit card and check forgery
- Fire Department service
- Food spoilage coverage
- Popular Coverage Options To Choose From:
- Hobby farm or ranch liability
- Identity fraud expense and management including monitoring
- Incidental business liability
- Personal injury
- Water damage from sewers and drains
- Earthquake coverage
- Trip coverage when moving your home
- Personal Liability coverage on additional residences
- Scheduled Personal Property coverage
- Replacement cost coverage (mobile home, other structures and personal belongings)
Already Have Coverage? Just text a picture of your current coverage levels to 616-916-2009 and Ryan will find the best insurance option for your manufactured home.
Blue Bridge Insurance Agency LLC
300 Washington Ave Suite 100
Grand Haven, MI 49417
Blue Bridge Insurance Agency LLC
300 Washington Ave Suite 100
Grand Haven, MI 49417
