Vivema

  "Wir bieten leistungsstarke Versicherungen zu günstigen Konditionen, langjähriges Know-How und enge Kooperationen mit renommierten Versicherungsunternehmen."   

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Mobile Homes Insurance - How to Buy Insurance For a Mobile Home

vivema provides coverage similar to a homeowner's insurance policy, but is tailored to meet the specific needs of the owners of mobile homes.

Insurance for mobile homes is generally more expensive to insure than a conventional homeowner's policy because mobile dwellings are constructed differently and are more vulnerable to damages from wind.

How to Buy Mobile Home Insurance

There are several ways to buy insurance. The first thing to keep in mind is that not all insurance policies offered by insurance companies are created equal. Before buying mobile-home insurance, make sure that your insurance agent fully explains your coverage insured by the policy. Do not forget to discuss total costs.

Insurance is typically available to cover mobile or manufactured homes in the event of loss. Coverage can also be extended to provide liability protection and insurance against loss from theft.

Insurance policies for mobile dwellings can cover you against all risks or only narrowly against specific risks. In general, a policy against a specific risk covers losses from the residence and its contents in case of fire, lightning, explosion, transport, theft, windstorm, riot or civil disturbance. Personal property in a home can also be covered as well.

An all-risk policy covers losses from damage to property where at least two conditions are met: the cause of damage must be direct, sudden and accidental and should not be listed in the exclusions of the policy.

An all-risk insurance policy covers all risks (causes of loss) that do not appear to be specifically excluded. Read your policy carefully to ensure that you understand your insurance company's responsibilities. Insurance coverage will vary depending on the policy and the policyholder's individual needs.

Types of Insurance Coverage

If you own one or more mobile homes, you may want to have insurance protection against three types of claims:

1. Damage to housing caused by fire, windstorm or other physical damage 2. Theft of personal property 3. Liability for injury or damage not related to your person and that are from its negligence or that of other members of his family.

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Texas Mobile Home Insurance - Where to Get the Cheapest Rates

Thanks to global warming, hurricanes, tornadoes, floods, and fires are increasing at an alarming rate. If you don't have insurance to protect your mobile home you could lose everything you own. Here's how to get cheap Texas mobile home insurance with a top company.

Mobile Home Insurance Coverage

Mobile home insurance covers more than just your mobile home. It also covers your personal property and protects you from liability lawsuits. Here's what Texas mobile home insurance covers:

Your mobile home - Mobile home insurance reimburses you for any damage done to your mobile home caused by fire, smoke, water leaks, explosions, vandalism, or natural disasters. It will also replace your mobile home if it's been destroyed. Basic mobile home policies do not cover damage caused by floods, so if you live in a flood-prone area you'll need to purchase flood insurance.

There are two types of coverage:

* Replacement cost coverage pays to replace your mobile home when it's been destroyed.

* Cash value coverage also pays to replace your home when it's destroyed, but you'll only be reimbursed for it's depreciated value.

To determine how much coverage you need, find out what your mobile home is worth, then use that figure for your mobile home insurance amount.

Your personal property - Mobile home insurance reimburses you for damage done to your personal property. There are limits on the amount a company will pay for expensive items like jewlery, computers, and antiques, so check your policy limits and purchase additional insurance if you need it.

To determine how much personal property coverage you need, total the value of all your personal property - furniture, clothing, electronics, computers, linens, appliances, sports equipment, tools, etc. - and use that total for your personal property coverage.

Your assets - Mobile home insurance reimburses you for liability lawsuit damages when your found guilty of injuring someone or damaging their property. It also pays your legal defense fees and court costs.

To determine how much liability insurance you need, total the value all your assets - checking accounts, savings accounts, CD, stocks, bonds, etc. - and use that total for your liability coverage.

Where to Get Cheap Texas Mobile Home Insurance

Insurance can vary by hundreds of dollars between insurance companies, so to get the best price on Texas mobile home insurance you should get quotes from a number of companies. The quickest way to do that is to visit an insurance comparison website. All you do is fill out one simple questionnaire on the site, wait for your quotes, then choose the best one.

The best of these sites only work with A-rated companies, so you won't have to worry about not getting reimbursed for a claim. Some of these sites feature an online chat service so you can ask questions and get advice from insurance experts (see link below.)