Mobile home insurance –What is Insurable?

Directors: TM Gleeson; NP Maher BA ACII; Secretary DP Collins FCCA TMITI

Finsure is a brand name of O’Brien Finlay Insurance Associates Ltd. which is regulated by the Central Bank Of Ireland. Registered in Ireland Number 39988. Irish Brokers Association member.

• The relative affordability of mobile homes gives thousands of people in Ireland the opportunity to invest in a holiday home without breaking the bank. As with any investment, it’s important to ensure you are adequately protected in the event of a claim

Standard Cover

• Here are some general insurable perils that most companies will consider standard cover:

• Burglary

• Fire

• Hail

• Landslide

• Personal property

• Roof collapse from snow or ice

• Vandalism

What To Insure For• Wind

• Falling Objects

• Water damage from plumbing

• Debris removal

• Earthquake

• Emergency removal service

• Emergency repairs

• Additional living expenses

• Coverage while moving home (during trip)

• Damage to trees, lawns and landscaping

• Food spoilage

• These are generally insurable on a standard policy but don’t simply expect them to be there.

• Always read over the covered items and insurable events on any policy before you decide If you are looking for more mobile home insurance protection than what is offered by a standard policy, there are many more options available

Points To Take Away

• If in doubt ask questions

• Not all insurance companies are the same

• Not all policies are the same

• It is important, in order to get the most complete protection you are seeking, to find the policy that is right for you. It may take some time but it will be well worth the effort and hopefully you will be a happy customer when finished!

Mobile Home InsuranceDirectors: TM Gleeson; NP Maher BA ACII; Secretary DP Collins FCCA TMITI

Finsure is a brand name of O’Brien Finlay Insurance Associates Ltd. which is regulated by the Central Bank Of Ireland. Registered in Ireland Number 39988. Irish Brokers Association member.