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Homeowners Insurance For Mobile Homes In Alaska

Most people do not consider Alaska to be a locale where strong winds occur, but they'd be wrong. Mobile home manufacturers who supply products to this northern of all states must abide by some strict regulations when it comes to construction and how it relates to the wind.

A manufactured home in this state must now be able to withstand 130 miles per hour winds. That provides some peace of mind for people living in Alaska, but in addition to a strong home, they must also purchase homeowner's insurance to protect their investment.

As is the case in every other state, a mobile home owner in Alaska can choose a policy that best meets their individual needs. Some people own more personal belongings than others, or they own things of value that are not covered under a standard mobile home insurance policy. For them, they can purchase a deluxe policy or even add on additional riders that are in place to cover specific items, such as artwork or jewelry.

Mobile homes are designed to be moved from one location to another. Many people take advantage of this mobility and will decide to relocate at some point. It's very important that you speak to your insurance agent about trip insurance. This covers your manufactured home in the event that it is damaged in transit. This is generally not included in a standard policy so it's important to inquire about it before you decide to make a move.

If a person is living in a mobile home community they'll want to seriously consider liability coverage as part of their homeowner's insurance policy. This will generally protect you in the event you cause damage to someone else property. This can occur if you happen to throw a ball that breaks the window on another property or if someone visiting you is hurt while in your home.