Mobile Home Insurance

Charlie Taylor Mobile Home Insurance
1326 South Waters Ave  Gallatin, Tn 37066
(877) 589-1904 Toll Free
Email: insurance@charlietaylorhomes.com
 Charlie Taylor is a licensed American Modern and Foremost agent for mobile home insurance, manufactured home insurance, and modular home insurance in all of Tennessee and Kentucky

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Get a quote on mobile home insurance for a mobile home in Tennessee or Kentucky
Get a quote on manufactured home insurance for a manufactured home in TN or KY
Get a quote on modular home insurance for a modular home in TN or KY

     Call me, Charlie Taylor toll free during regular business hours: Mon. - Saturday 9AM - 6PM or fill in my quick response form:

What to look for when selecting mobile 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 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 home 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 replacement cost of your home.  
Can you select a number of optional coverages, or increase policy limits, so the modular home or mobile home insurance fully meets 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 expert in handling catastrophe claims?  Will you get the assistance you need in these situations?

American Modern Mobile Home Insurance or Modular Home Ins.: Broad / Affordable / Flexible

Full time owner program: available on single wide mobile homes, double wide mobile homes and triple wide mobile homes provides protection for your mobile home, personal property and adjacent structures (such as: sheds and unattached garages).  Program provides protection against the perils of: Lightning, Fire, Windstorm, Hail and falling objects for example.  

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 & Modular 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.  
Do not store flammables under or near your home.  

     There is public perception that mobile homes are more vunerable to fire than other forms of single family housing.  Mobile homes built prior to 1976, before the implementation of the National Manufactured Home Construction and Safety Standards Act could be at more risk than newer homes.  A national fire safety study conducted by Foremost Insurance showed that site built homes are more than twice as likely to experience a fire than manufactured homes.  According to another study by the Tennessee Fire Marshall's office, 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
Carpeting not permitted near furnace or water heater
Smoke detectors
Pipe and vent openings tight-fitted or fire stopped
Minimum of 2 exterior doors

     Public Perception is mainly responsible for the difficulty in finding mobile home insurance in your area.  There are many companies who are uneducated about today's manufactured homes.  

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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