Mobile home insurance is required which has been fairly inexspensive -about $250.00 per year is what I was paying or $30.00 per month. It is similar to homeowner’s insurance, but it’s written specifically to meet the needs of owners of mobile homes.
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. Coverage would typically include financial protection for the house, personal items, injuries incurred on other people for whom you are liable and additional living expenses. It also insures you while you are one the move. Coverages and benefits can vary dramatically from policy to policy and from company to company.
Homeowner’s policies are designed to provide financial protection in the event of damage to your home, such as fire, lightning or windstorm. Your policy will also protect your personal property, such as furniture that is damaged as a result of a fire, or the theft of electronic equipment.
Prices can be different from one company to another. The Insurance Information Institute recommends getting at least three price quotes on home owner insurance. Price too low and prospects doubt you’re any good and you lose credibility. But if you’re new to the market, how do you know where to position yourself for maximum results and success?
Shopping for mobile home insurance is slightly different than shopping for insurance on a stationary home. The best home insurance is the one that provides you with the most benefits policy-wise. Shopping for mobile home insurance is slightly different than shopping for insurance on a stationary home. Although the coverages are similar, there are a few differences.
Mobile home insurance is similar to homeowner’s insurance, but it’s written specifically to meet the needs of owners of mobile homes. Your policy covers your mobile home and its contents and offers personal liability protection. It is also available from the company and this is available with a range of benefits. For example, free continental travel cover is provided as part of the policy which means that a family can have peace of mind when travelling on the continent.
Mobile home insurance is often provided on an actual cash value basis, so significant depreciation can be a major concern for owners of mobile homes. The policy’s coverage extends to the mobile home’s equipment and accessories that were originally built into the structure.
Mobile home insurance is essential yet few mobile home owners actually take it out. If you think about it, you are leaving a home that you actually spend very little time in completely unguarded and vulnerable.
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Article Source: ArticlesBase.com – Mobile Home Insurance Coverage
Filed under Home Insurance by on Jan 5th, 2010. Comment. 
Before the credit crunch, good builders were hard to find and you had to sometimes wait for up to a year before they were free to carry out work on your property. However, now with new homes being built at an all time low, they are easier to find – but that doesn’t mean you don’t have to choose your builder with care.
Builder Checks
1. The builder is who they say they are!
2. You need to verify their material and labour costs.
3. That they understand the job in hand and exactly what they are responsible for.
4. Ensure they know exactly what quality of work you are expecting.
5. Understand how and when you will pay for materials and their work.
Top 10 Steps to Finding a Good Builder!
One: Is the builder who they say they are?
Some builders claim to be other people when securing references and have even been known to pretend to be the brother – who WAS a good builder. Unfortunately they were not the brother. Â
Two: References
Try to get references or make sure they have been independently verified, for example, Federation of Master Builders, or the OFT’s Trademark.
Three: Agree in Writing
Ask them to quote for the job in writing, ideally signed on company paper. Check whether the work includes VAT.
Four: Quotes
Ensure all quotes are separated out by job, both for materials and labour costs.
Top Tip Five: Responsibilities
Agree who is responsible for ensuring the work adheres to any plans passed by the local authority planning office and building regulations AND who pays for any work that has to be re-done to secure the certificates.
Six: Start and Finish Dates
Agree a start and finish date and penalties if the builder doesn’t finish on time, as long of course if it’s their own fault, ie you can’t penalise them for not being able to work due to bad weather.
Seven: Contractors
Ask for references of any third party tradespeople the builder employs.
Eight: Insurance
Check the builder has the right insurance cover, which includes insurance should something go wrong with the job, the builder has an accident and can’t continue, cover for materials, any third party labour.
Nine: Clean up!
Make sure that you agree who cleans up after each day – and what happens if you don’t have use of toilet, bathroom and/or kitchen facilities.
Ten: Payment Schedule
Agree a payment schedule upfront, what you pay for and when. Always agree to keep 10% of the cost of the job back after the builder has finished the work and left the site just in case there are any problems after the job has finished. Agree who buys the materials, where they are kept and who is responsible for replacing them if they go missing.
I am one of the UK’s top property experts being regularly quoted in the press including the Telegraph, Independent, Times, Daily Mail and Express and have appeared on BBC2, featured on BBC Radio 4, Channel 4 and a number of local BBC Radio stations.
I have been a consultant to the property sector for a number of years and renovating properties for over 20 years. I have also written a number of books, including four for Which? – Buy, Sell, Move House, Renting and Letting, Develop your Property and the Property Investment Handbook.
For answers to all your property questions, contact me at Designs on Property on 0845 838 1763 or visit our website and blog using the links below:-
Filed under Home Insurance by on Dec 14th, 2009. Comment.