Mobile Home Insurance
Tennessee
- Kentucky
Modular Home Insurance
Tennessee
- Kentucky
Insurance Agent for Mobile
Homes and Modular Homes:
Charlie Taylor is a licensed agent to sell insurance in the state of Tennessee and Kentucky for mobile homes and modular homes. He represents both American Modern and Foremost. Two of the largest and well respected companies that offer flexible coverage for your mobile home insurance needs or modular home insurance needs.
Modular or Mobile Home Insurance: replacement cost coverage offered!
Remember this is your home. If something happens to it you want to be able to replace it. You buy insurance for peace of mind. This is why we suggest replacement cost coverage where applicable.
What to look for when selecting mobile home insurance or modular home insurance in tennessee or kentucky
- How well does the insurance company understand the needs of manufactured home owners that need mobile home insurance or modular home insurance? How long have they been insuring mobile and modular homes? Are they a recognized leader in the industry?
- Is the coverage broad and comprehensive enough to thoroughly protect your home and personal property or is it a "named peril" policy? Does it provide personal liability protection?
- If you suffer a total loss, is the value of your mobile or modular home subject to depreciation? Many insurance policies decrease then value of your home over time, leaving you with a settlement that does not cover the cost of a new home. You want to be able to go to a mobile or modular home dealer in tennessee or kentucky and be able to replace your home.
- Can you select a number of optional coverages, or increase policy limits, so the mobile home insurance or modular home insurance will fully meet your needs?
- How financially stable is the insurance company? Is it among the best in the industry when it comes to service and commitment to customers?
- Does the company have a history of quick responses and fast claim handling? Can you file a claim at any time?
- Is the company providing the mobile home insurance or modular home insurance expert in handling catastrophe claims? Will you get the assistance you need in these situations?
American Modern Modular or Mobile Home Insurance: Broad / Affordable / Flexible
- Full time owner program available on single wide mobile homes, double wide modular homes and triple wide modular homes provides protection for your mobile or modular home, personal property and adjacent structures (such as: sheds and unattached garages).
American Modern Insurance: a solid, caring and customer friendly company
- American Modern's parent company: Midland has been in business since 1938
- Rated by A.M. Best at "A" or "A+" for more than 20 consecutive years
- Easy claim filing by toll free number or online
- Fast reliable claim service 8 a.m. - 7 p.m. (Eastern Time) Monday through Friday
- Superior Customer Service
Mobile Home Fire Safety Tips
- Install a smoke detector in every bedroom and hallway of your house
- test regularly and replace batteries every 6 months
- replace detectors every 10 years
- plan and practice an escape fom your home, pick a spot outside the home to meet.
- have your central heating system maintained yearly
- keep supplemental heating devices away from drapes and other flammable materials. I know kerosene heaters are popular here in tennessee and kentucky, but they can cause a fire.
- Do not store flammables under or near your home. I personally know of a man whose house burned down because of storing flamables near the home.
There is a perception that mobile homes are more vunerable to fire than other forms of single family housing. If your mobile home was built prior to 1976 when the National Manufactured Home Construction and Safety Standards Act went into effect I could understand. However, a national fire safety study (by Foremost Insurance) conducted showed that site built homes are more than twice as likely to experience a fire than manufactured homes. According to another study the number of fires for site built homes was 17 per 1,000 and only 8 per 1,000 for manufactured homes. The study also showed that the HUD code had helped significantly.
HUD Code fire resistant features:
- strict standards for flame spread and smoke generation in building materials
- egress windows in all bedrooms that allow for emergency exit
- no carpeting near furnace or water heater
- smoke detectors
- pipe and vent openings tight-fitted or fire stopped
- minimum of 2 exterior doors
Perception is what is mainly responsible for it being hard to find mobile home insurance in your area. There are many companies who discriminate against mobile homes. So they will not do a mobile home insurance quote. There is very few major companies that will write a mobile home insurance policy. You want a company with financial strength. When you have a loss it would be a bad time to find out the company is in bankruptcy. Is it not better to get a mobile home insurance quote from a company who has a track record of financial stability and good management?
Foremost Insurance Company
- Part of Farmers Insurance Group
- Began insuring mobile homes in 1952
- By 1958 Foremost was doing business in 35 states
- In 1961 Foremost began insuring travel trailers
- First Automobile policy was sold in 1978
- 1982: started insuring site built homes
- 1993 Foremost Insurance Company developed a special dwelling insurance program for landlords and owners of older homes.
- 1999: Luxury Motor Coaches
- 2000: motorcycle and off-road vehicle
- 2002 snowmobiles
- 2003 family boaters
The growth of Foremost has not only come from innovation but also a commitment to superior claims service. Foremost's claim representatives are well trained, professional and committed to fast, fair and friendly service.
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