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The average price for home owners insurance in the United States is right around $1,000, according to S&P Global. Premium amounts will vary based on the age, type, and location of your home. Premium amounts will also vary based on the potential risk to your home. For example, if you’re in a coastal area on the east coast, your home is at risk for hurricanes tropical storms, so your premium will be higher. Because of the value in manufactured housing, Covertree is able to keep our premiums low and affordable. Contact us today to start the insurance application process and see how affordable manufactured housing insurance can be for you and your family.

If you financed your home, you need to speak with your lender to see their requirements. At minimum, they’ll require the loan amount to be covered, and sometimes they will require replacement coverage. If you did not use financing, you need enough coverage to keep your family secure if something happens to your manufactured home. Click here to learn more about different coverage levels.

To get a quote for manufactured home owners insurance, you’ll need to provide the agent with your personal identifying information. This is typically your name, address, phone number. We’ll also need to know the make and model of the home, it’s condition, and where you will be placing it. If you’ve done extensive renovations or made large improvements to the property, we will need to record of those as well. We may need additional documentation for specific insurance types.

If you finance your home, your lender will require insurance for the home. And even if you didn’t need use financing, your home is one of the largest, and most important, investments you’ll ever make. Manufactured Homeowner’s insurance gives you peace of mind, knowing that your investment is secure in case of disaster.

Purchasing manufactured home insurance is simple with Covertree. Our team of experts have created an industry leading digital application, and you’ll be amazed how easy it is. We’ll be here for you though the entire process, from beginning to end. Here are some questions to ask yourself before purchasing your manufactured home insurance:

How much coverage do I want?

Where will my home be located?

What type of home am I purchasing?

What deductible am I comfortable with?

Not sure about the answers to these questions? Contact us today and we can help you start the process.

CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.

CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.

Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.

Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.

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