Low Cost Mobile Home Insurance in Asheville and all of North Carolina

Mobile Home Insurance to fit your budget & needs

​Keep Your Mobile Home Protected!
It's important that mobile home owners understand they have different insurance coverage requirements. We provide mobile home insurance policies for all types of manufactured and mobile home owners. When you choose our agency, you will receive the following:

• Customized coverage options for your mobile home insurance policy
• Liability coverage if you are responsible for an accident on your property
• Coverage for your mobile home insurance additions

Insurers commonly provide coverage for mobile/manufactured homes by modifying a conventional homeowner policy with provisions called endorsements. The endorsements change key definitions and other elements of a conventional policy to fit a mobile or manufactured home situation. The result is a modified homeowner package that protects the home, outbuildings (unattached garages, sheds, etc.) and personal property. They also provide insurance for personal liability. Regardless of the type of home you own or live in, it is important that you learn about the coverage options that are available. You may find that different policies vary considerably in coverage and price.

Coverage for mobile/manufactured homes is generally offered using two approaches. Some policies include a laundry list of items (or perils) that may cause a loss. Other policies protect your home against everything EXCEPT for a host of specified perils. Either approach includes liability coverage that protects you for injuries or losses to others which you accidentally cause.

Property Insurance Needs
Any coverage option you choose is likely to reflect the fact that mobile homes are, well, mobile. Therefore coverage is affected by the fact that mobile homes:

• are able to move under their own power (or are capable of being easily transported);
• are more susceptible to wind damage,
• tend to lose value with age.

The mobility of such homes creates a special need to protect the financial interest of the business that lent the money to purchase the home. For example, a mobile home owner who lives in Georgia decides to drive his home to Alabama. The soon-to-be Alabama resident "forgets" to mention his plan (and his new address) to his Georgia Mortgage Company. The Georgia lender would be out of luck if the policy didn't include protection for this whimsical act. Another way in which a mobile or manufactured homeowner policy differs from conventional homeowner coverage involves coverage for unattached buildings. This coverage is usually minimal for, say, $2,000. Such a provision helps keep the premiums for policies lower by avoiding paying claims on very low value structures. The coverage is likely to be offered on an actual cash value basis. Unfortunately, mobile and manufactured homes tend to lose value over time.

​The policy is likely to include a provision that requires you to get permission to move your home. Once granted, you're likely to get thirty days of special transportation protection for collision; sinking, upset or stranding (a special, higher deductible may apply during the move). Another common coverage feature is coverage for your attempt to move the home in order to prevent damage from an insured cause of loss. For example, you move your mobile home fifty feet to get away from a neighboring trailer that is on fire. IMPORTANT: coverage for moving endangered property usually has a modest limit (several hundred dollars is typical) because of owners who may be too heroic or clumsy for anyone's good.
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Liability Insurance Needs
The liability protection connected with mobile or manufactured homes is, for all practical purposes, identical to the liability provided to conventional home owners. Why? The likelihood of guests to be hurt at your home, or your probability of being sued, tends to be the same. The important thing to remember is that one of our agents is a tremendous source for getting the information you need to be sure that your home and property are adequately protected at a reasonable price.

​Insurance for Manufactured Homes
Our agency represents the top insurers of manufactured and mobile homes in the nation, so why not go with the leader?
We offer a policy that insures your home, personal property ,and other structures against accidental physical loss.
We understand not every lifestyle is the same, so our standard and optional coverages are tailored specifically to what you want covered.
Contact our office today to save money and rest easier when the wind blows!

Whether you bought a new or used mobile home, odds are that when you purchased it the design wasn’t exactly what you wanted. Builders may not use the most high-end materials on new builds, and if it’s an older model, it may be time for an update. If you ever plan to revamp a room in your mobile home, consider starting with the kitchen. It can make your mobile home look more modern, and they can have some of the best return-on-investment rates.*
If you’re not sure where to start in your kitchen or if you’re looking for inspiration, you’re in the right place. Foremost® has done some research for you and put together a list of ideas you can use to give your kitchen a more updated look!

• Paint your cabinets.
  This can be a great option to give your kitchen a completely new look. If it’s in your budget, consider having professional painters do the job. However, if you’re up for the challenge, there are plenty of step-by-step tutorials online that explain how to prep and paint your cabinets. You can definitely save some money if you go this route, but it is not an easy task!
• Add an island.
  This could be a nice way to add more counter space without doing extensive work. We’ve learned that there is such a thing as a mobile kitchen island. They have wheels and will allow you to move the island where you need it. There are a wide variety of styles to choose from, so you are likely to find one that matches your kitchen.
• Update the lighting.
  Switching out your light fixtures can be a game changer. Replacing the light fixtures with more decorative options is a simple change that can make the space look trendier, more unique and improve the overall style of your home. If you want to save a few dollar bills on your electric bill, consider going with energy saving LED lighting.
• Paint the walls.
  This can be an inexpensive way to change the look of any room. With kitchens, you typically want to brighten up the space, so you may want to go with a lighter color. The wall color will depend on what your cabinet colors are, so make sure you pick one that pairs nicely. White is timeless (and popular right now), so that is a color you can’t go wrong with!
• Install backsplash.
  Adding backsplash to your kitchen or switching out your current backsplash can instantly give the space a facelift. If you’re into DIY projects there is plenty of free information and videos online that explain how to install it. However, if it looks too intimidating, it may be best to get it professionally installed.
• Switch out the hardware.
  Replacing the knobs and handles on your kitchen cabinets is an easy, inexpensive way to give your kitchen a new look! There are tons of different colors and styles to choose from; you can visit your local hardware store to see what your options are or search online.
• New window treatments.
  Giving your windows a more polished look can really complete the look of your kitchen. There are certain styles that are popular for kitchens right now and will be sure to make a statement in the room whenever you have guests over. Window treatment styles to consider are: Roman shades, faux wood blinds, wood shutters and roller shades.

We hope some of these suggestions fit into your budget and give you the motivation to get started. Good luck on your DIY journey!