Homeowners Insurance for a Mobile Homes in North Carolina


North Carolina is a great place to live. With all the affordable housing choices in the state, it's not surprising to learn that over 200,000 people live in mobile homes. This naturally creates a demand for affordable homeowner's insurance for a mobile home in the state. Even a novice homeowner can follow a few simple tips to ensure they are getting the best insurance deal possible.

If you decided to purchase a used mobile home in the state of North Carolina you may be surprised to learn that you are actually likely to pay more in home insurance costs than someone who bought a more recent model. That's because newer manufactured homes have safety features built right into them. These often include items like smoke detectors and storm shutters. Insurance companies view these things as a bonus and reward customers with a lower rate.

The thing to do if you happen to live in an older mobile home is to perform some upgrades. Install smoke detectors and then show proof of purchase to your insurance company. Also hire a contractor to add things like storm shutters and to upgrade the electrical system. This will likely result in much lower rates as your home will not be viewed as high risk any longer.

Non-smokers often qualify for a discount without even being aware of it. Mention to your mobile homeowner's insurance agent if you do not smoke and if no one who lives with you smokers. This may result in a small percentage discount on your annual promotions. The same holds true of homeowner's who fall within the realm of senior citizenship. Companies often provide lower rates for individuals over the age of fifty-five, so if you are in this age bracket, be certain to point that out when the policy is being written.

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