Mobile Home Insurance In Florida: What Might I Need To Know About?
There are a lot of people who reside in mobile homes throughout Florida, and many of these people are unaware that mobile home insurance is even available to them. What most Florida residents don’t realize is that mobile home insurance is usually very inexpensive. Once people learn about mobile home insurance in Florida the first question they often have is in regards to the differences between mobile home insurance and regular homeowners insurance. There are a few differences and grey areas when it comes to the comparison between home owner insurance and mobile home insurance, but here are some basic guidelines of things to know.
Taking inventory of the property in your mobile home
The property in your mobile home is bit of a grey area because you must be able to prove that you own each item you want to claim otherwise you may have a tough time getting it properly covered by the insurance company. The best way to go about doing this would be to list the items you own along with the price that was paid and the purchase date. This makes everything easy to verify, and you should have a much easier time getting your items insured. Remember documentation is one of your biggest friends when dealing with insurance companies. Proof is what they want to see which leads me to the next point.
Attaching sales receipts
Mobile home insurance in Florida is very similar to mobile home insurance in other parts of the country. What I mean by this is you will experience difficulty insuring certain items if you do not have the original sales receipt. Insurance companies can some time give a harder time when it comes to insuring items in a mobile home, that is why it is best to go the extra mile to show proof of ownership and value. I know most people aren’t going to save the sales receipts from the items they purchase, but saving them and then attaching them to certain in your mobile home can help a great deal. This may be a bit too much for certain people, but it gives you all the leverage with the insurance company that you need and will ensure that your possessions get covered for the proper value.
The purpose of attaching sales receipts
You will not actually be leaving sales receipts on individual items in your mobile home, the main purpose is to attach them and take photographs or create a video to substantiate the inventory you possess. If you take pictures you want to write the photo date and other relevant information on the back of the photograph. With video cameras all this is automatically done. In this day in age its easy to timestamp photos or videos, even the most basic cell phones can do this. Basically anything you can do to show proof of the item and its value is always going to be a good thing.
Items that are most likely to be stolen
Mobile home insurance in Florida comes with a sad reality, and that is that for those living in a mobile home they are far more likely to be victimized by theft than those living in regular homes. The insurance companies know this. In this case you can take inventory of items you feel are most likely to be stolen and then engrave them with an identifying number. Make sure to take pictures of these items with the engraved identifying number.
The mobile home as a whole doesn’t represent any serious grey area, but the property contained within it does. Insurance companies look at mobile homes as a higher risk to insure then a regular house, this is why showing as much proof of value is so important. If you are looking for mobile home insurance in Florida then make sure you follow this specified criterion before purchasing insurance.
