Tornadoes, hail and earthquakes are just some of the property damage perils you face as a mobile home owner. Not a day goes by when you want to be uninsured. Before you risk losing your home, get a mobile home insurance online quote to learn how much it will cost to protect your property. When you apply for a new policy, here is what insurance companies will look at when determining your premium:
- Mobile Home Value – The benchmark amount of coverage is determined by the value of your mobile home or modular unit. Most companies will send an appraiser to assess the age, value and condition of your property.
- Deductible – Your deductible is the amount of risk you share with your insurance company. Your premium is often greatly influenced by the size of your deductible. A lower deductible means your insurer bears more risk, thus you will likely have a higher premium. A high deductible will lower your rate, but you will face larger out of pocket expenses if a loss occurs.
- Environment – Your insurance company will factor environmental hazards into your policy. While most policies cover the common perils, you may be required to have special coverage for more extraordinary events.
Apply for a mobile home insurance online quote, and discover how to protect your mobile home from catastrophe.
Small- and medium-sized businesses should purchase a Business Owners Policy (BOP) from their trusted insurance company. While coverage may vary between different insurance providers, the general purpose of a BOPs is to bundle property insurance with liability insurance to create attractive and affordable options for business owners.
Carmel business owner policies can include Business Interruption insurance, which keeps your company covered when operations are stalled. Sometimes unforeseen accidents, repairs and rebuilding will incur losses, but this coverage will help you through those tough times. Your employees and bills can still be paid when your doors are closed for business.
Coverage Geared Specifically Towards You
You know your business is unique, which is why you should seek a Carmel business owner policy that is flexible and will tailor its coverage to your company’s needs. Your insurance professional can help you figure out what extra coverage would benefit your system. You can usually broaden either your liability or your property insurance as you see fit to cover your bases and keep you and your employees safe.
Your insurance professional can assist you in finding the Carmel business owner policy that is best suited to your business needs. Shop around and find the best policy for your trade and get the peace of mind that comes with being properly insured.