|
The
Hannify Insurance
Specialists Agency
1-800-734-6544
|
|
Our
Services
|
 |
|
Here are some of our policy highlights:
 | Replacement of a new (2000) Home. |
| Replacement with Brand New Furniture. |
| Liability from $100,000 to $500,000. |
| Flood Insurance available (No Waiting period needed). |
| Earthquake protection. Deductible range from 10 to
15%.
(Better than the State's CEA/Program) |
| Payment programs available: Zero Down, Two Pay,
Quarterly and even
10 payments. |
| We Insure all types of homes: In Parks, Private
Land, Seasonal, and
even Rental Units with Full Replacement Cost. |
| Many discounts to offer: Age 50+, Park Rates
Discounts, No Pets,
Alarms and Lien Free Homes. |
|
|
|
 A
top-quality insurance policy can provide you with a measure
of financial security in an uncertain world, and help protect
your home, your possessions, your family and your lifestyle.
To learn more about what you should consider when purchasing
insurance for your mobile home, read on.
What to look
for in mobile home insurance
For the most security, a mobile home
insurance policy – like all property/casualty policies
– should do two things:
| It should pay for certain kinds
of accidental damage to your home,
belongings, or other
structures. Coverage for this kind of damage is
called
physical damage coverage. Common examples of events that
cause physical damage to your property include fire, wind,
vandalism,
and falling objects. |
| It should protect you against
claims or lawsuits filed against you by
people who are
accidentally hurt by your actions or because of your
activities.
Coverage for these kinds of claims and lawsuits is called
liability coverage. Claims might include medical expenses,
lost wages,
pain and suffering, and even property damage.
Liability coverage should
also help you pay for your defense
in the event of a lawsuit. Liability
coverage does not
pay claims for injuries to you or the members of
your
household. |
Policies
are not all alike
Most mobile home insurance policies
provide these two basic kinds of coverage. However, the
amount and degree of coverage can vary dramatically from
one policy to another. That’s why it’s so important
to compare policies before buying. What looks like a bargain
at first glance can end up costing you hundreds, even thousands
of dollars in the event of a claim.
That’s particularly true when
it comes to physical damage coverage. Some policies only
cover specific causes of loss. These "named peril"
policies can leave you financially vulnerable if you suffer
a loss not specifically covered in the policy.
Policies like those from Foremost,
on the other hand, automatically cover most direct, sudden
and accidental perils, and list the few causes of loss that
they don’t cover in the policy. These are sometimes
called "comprehensive" policies.
Similarly, liability coverage can
vary from policy to policy. Not so much in terms of the
type of coverage, but in the amount of coverage. You need
to be sure that whatever policy you choose provides enough
liability coverage to protect you in the event you are sued
and a judgment is made against you. That amount may be $100,000,
$200,000 or more – not necessarily what comes "standard"
with a policy.
Other things
to consider
Be sure to check the deductibles and
coverage limits in a policy, too. A deductible is the portion
of the loss that you agree to pay out of your own pocket.
A coverage limit is the maximum amount a company will pay
for a covered loss. Obviously, all other things being equal,
a policy with lower deductibles and higher limits would
be preferred. However, lower deductibles and higher limits
can result in higher premium costs.
Then there are the intangibles. Things
like claim service, company reputation and accessibility
can make a big difference in which policy will give you
real peace of mind. You want to make sure that the company
behind the policy has the dedicated personnel and financial
resources to be there when you need them most.
Check out
our mobile home policy
We invite you to compare what a
Hannify mobile home policy offers you with any other insurance policy
on the market today. We also invite you to review our financial
statement and the ratings we've received from independent
financial rating companies. We're convinced that when you
look at the total package - coverage, service, financial
stability and value - you'll choose Hannify.
|
|
|
|
|
|
|
