On average, there are twenty-three tornadoes in the state of Alabama each year. For someone living in a mobile home, a tornado is one of the worst disasters that can occur. With the sheer force of the wind, a manufactured home can be ripped apart in just a few seconds during a storm like this. That is one of the reasons it's so important to have homeowners insurance for a mobile home for individuals living in Alabama.
Virtually every company that supplies traditional homeowner's insurance in this southern state will also accommodate individuals living in a mobile home. As with any type of insurance there are generally several different types of policies to choose from. Although a mobile homeowner may be tempted to take the policy that offers the lowest priced premiums, this may not supply all the coverage that is needed.
It's a good idea to invest in a policy that provides coverage from many different acts of nature. These can include:
Damage that is sustained as the result of a flood may not be offered by all insurance companies. It is typically dependent on where the mobile home is located, and it's wise to inquire about it with the agent you purchase your home insurance from. If there is little risk of your manufactured home being flooded, you can probably forego it, but if there is a real concern, be certain to ask about it and its availability for your particular situation.
You may also want to consider the level of liability coverage you purchase. If you are concerned about someone tripping and falling on your property, or if you have an aggressive dog, seek out a higher level of liability insurance. Although you may never need it, it's good to know it's there just in case.