Is Your Mobile Home Properly Insured Against Severe Weather?

Living in Alabama means facing the reality of severe weather. From powerful thunderstorms and tornadoes to heavy winds and hail, the state’s climate can pose significant risks to mobile and manufactured homes. It’s crucial for mobile home owners to have the right insurance coverage to financially protect their property and provide peace of mind.

Understanding Mobile Home Insurance

Mobile home insurance is designed to help safeguard your home and belongings from a range of risks, including those caused by unpredictable weather. Standard policies typically cover damage from wind, hail, lightning, and even tornadoes. However, not all policies are equal, and coverage details can vary.

Key Coverage Areas to Consider

• Storm and wind damage—Storms and tornadoes can cause significant structural damage. Make sure your policy includes robust protection for wind and hail.
• Personal property—Severe weather can damage not just your home, but also your belongings inside. Coverage for personal property helps you recover after a loss.
• Additional living expenses—If your mobile home becomes uninhabitable due to storm damage, some policies may help cover temporary living costs.
• Flood insurance—Standard mobile home insurance does not cover flood damage. If you live in a flood-prone area, consider adding separate flood insurance.

Why the Right Coverage Matters

Mobile and manufactured homes can be more vulnerable to severe weather than traditional houses. Having the right insurance means you’re better prepared to recover quickly after a storm, minimizing financial stress and disruption to your life.

Contact Us

At Freedom Auto Insurance in Albertville, AL, we work closely with mobile home owners to assess their unique risks and find policies that offer the right level of protection. Our team understands the local weather challenges and can help you compare options and explain coverage details so you aren’t left with costly gaps.

Don’t wait until severe weather is in the forecast to review your insurance. Contact us today for a personalized quote or more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.